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Overview / Commentary
1250 Highway 35, South
Middletown, NJ 07748

Two River Community Bank is headquartered in Middletown and is the 28th largest bank in the state of New Jersey. It is also the 730th largest bank in the nation. It was established in 2000 and as of December of 2017, it had grown to 157 employees at 15 locations. Two River Community Bank's savings rates are 3X the national average, and it boasts an A+ health rating.

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Reviews (1)

Local Bank

Posted by: RadioRight | Nov 3, 2017

The local bank I chose to work with originally was Two River Community bank. The workers in the institution were exceptional always helping me with all my needs, but as a millennial I do things mostly online. The mobile banking app was dreadful and I was not able to transfer funds freely. Now I am banking with PNC and their mobile support is much better. Their app is easy to use and I find that very important in my banking. Two River Bank is a local bank so it is difficult for them to compete with the large banks like Chase, PNC, and Wells Fargo. If they were able to implement a better mobile banking experience I'd be willing to give them another chance.


Health Grade Components

FDIC Certificate #35426
Year Established2000
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD6.14%
Annual Interest Income$38.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.04B$939.7MM
LoansQ4 2017vs Q4 2016$842.8MM$748.1MM
DepositsQ4 2017vs Q4 2016$864.3MM$779.0MM
Equity CapitalQ4 2017vs Q4 2016$115.5MM$110.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$10.7MM$9.6MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.1MM$1.5MM
Real Estate OwnedQ4 2017vs Q4 2016$0$259.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Two River Community Bank Savings Account Rates

1.50%*-$1mUltra Savings
OTHER TIERS: 0.15% $1mm+
1.50%*-$1mBusiness Ultra Savings
OTHER TIERS: 0.15% $1mm+
0.60%*$500k*-Prestige Savings
OTHER TIERS: 0.05% $1k - $10k | 0.15% $10k - $50k | 0.25% $50k - $100k | 0.50% $100k - $250k | 0.55% $250k - $500k
0.60%*$500k*-Business Prestige Savings
OTHER TIERS: 0.05% $1k - $10k | 0.15% $10k - $50k | 0.25% $50k - $100k | 0.50% $100k - $250k | 0.55% $250k - $500k
0.15%*$25k*-Health Savings Account (HSA)
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k
0.05%--Statement Savings
0.05%--Club Accounts
0.05%--IRA Statement Savings
0.05%--Roth IRA Statement Savings
0.05%--Business Statement Savings

Two River Community Bank Money Market Rates

0.15%*$10k*-Preferred Money Market
OTHER TIERS: 0.05% Up to $10k
0.15%*$25k*-Business Money Market
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k
0.15%*$10k*-Preferred Business Money Market
OTHER TIERS: 0.05% Up to $10k

Two River Community Bank Checking Account Rates

0.10%*$5k*-Platinum Checking
OTHER TIERS: 0.05% Up to $5k
0.10%--50 + Free Checking
0.10%--Business Interest NOW Checking
0.05%--VIP Free Interest Checking

Two River Community Bank CD Rates

2.50%$10k-55 Month CD Special
2.15%$5k-35 Month CD Special
1.76%$5k-19 Month CD Special
1.00%$500-5 Year CD
0.80%$500-4 Year CD
0.70%$500-3 Year CD
0.60%$500-30 Month CD
0.50%$500-2 Year CD
0.40%$500-18 Month CD
0.30%$500-1 Year CD
0.30%$500-13 Month CD
0.25%$1k-9 Month CD
0.20%$1k-6 Month CD
0.15%$1k-3 Month CD

Two River Community Bank IRA Rates

2.50%$10k-55 Month IRA Special
2.15%$5k-35 Month IRA Special
1.76%$5k-19 Month IRA Special
1.00%$500-5 Year IRA
0.80%$500-4 Year IRA
0.70%$500-3 Year IRA
0.60%$500-30 Month IRA
0.50%$500-2 Year IRA
0.30%$500-1 Year IRA
0.30%$500-13 Month IRA