Two River Community Bank

Two River Community Bank is headquartered in Middletown and is the 36^th largest bank in the state of New Jersey. It is also the 964^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 138 employees at 16 locations. Two River Community Bank has a 5-star health rating.

Related Posts

Data for Q1 2012

Institution Statistics Two River Community Bank FDIC Certificate # 35426 BankRate Report View Year Established 2000 Employees 138 Primary Regulator FDIC Assets and Liabilities Assets $684.86 million Loans $529.65 million Deposits $562.04 million Equity Capital $88.26 million Loan Loss Allowance $7.03 million Unbacked Noncurrent Loans $5.00 million Real Estate Owned $7.28 million Historic Data - March 2011 Assets $652.67 million Equity Capital $81.06 million Loan Loss Allowance $6.54 million Unbacked Noncurrent Loans $6.22 million Real Estate Owned $7.69 million Profit Margin - Quarterly Net Interest Margin 4.2% Return on Assets 0.7% Return on Equity 5.45% Interest Income $7.73 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Two River Community Bank had $12.28 million in non-current loans and owned real-estate with $95.28 million in equity and loan loss allowances on hand to cover it. This gives Two River Community Bank a Texas Ratio of 12.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Two River Community Bank decreased slightly from 15.87% as of March 31, 2011 to 12.89% as of March 31, 2012, resulting in a positive change of 18.80%.This indicates that the balance sheet and financial strength for Two River Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Two River Community Bank has increased its total deposits by $24.16 million, resulting in 4.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Two River Community Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Two River Community Bank has $684.86 million in assets with $95.28 million in equity, resulting in a capitalization level of 13.91%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.