TWO RIVERS BANK & TRUST

BURLINGTON, IA | Large | Est. May 2, 2005, midnight | FDIC #58013 | RSSD #3320781 | FDIC
Latest Report: 2025-12-31

TWO RIVERS BANK & TRUST is aln large FDIC-insured commercial bank headquartered in BURLINGTON, IA, established in May 2, 2005, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.0B. Profitability stands at 1.29% ROA and 10.35% ROE, with a net interest margin of 3.40%. The bank's CET1 capital ratio is 8.89%. Asset quality metrics show a non-performing loan ratio of 1.18% and a Texas Ratio of 6.61%. FDIC Certificate #58013.

Assets

$1.2B

Deposits

$1.0B

Loans

$883M

Equity

$146M

Profitability

Return on Assets (ROA) 1.29%
Return on Equity (ROE) 10.35%
Net Interest Margin (NIM) 3.40%
Yield on Assets 5.23%
Cost of Funds 3.19%

Asset Quality

NPL Ratio 1.18%
Net Charge-Off Ratio 0.12%
Texas Ratio 6.61%
NPA Ratio 0.89%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 8.89%
Tier 1 Capital 8.89%
Total Capital Ratio 9.34%
Leverage Ratio 11.69%
Loan-to-Deposit 86.49%

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