Two Rivers Bank and Trust

Overview / Commentary
222 North Main Street
Burlington, IA 52601

Two Rivers Bank and Trust is headquartered in Burlington and is the 26th largest bank in the state of Iowa. It is also the 993rd largest bank in the nation. It was established in 2005 and as of September of 2021, it had grown to 155 employees at 12 locations. Two Rivers Bank and Trust has an A health rating.

Reviews (1)

Two Rivers is great!

Opened a checking account through this bank. As i currently live in Iowa and I wanted something that was not quite as big name and something a little more local. I checked out this bank. I was needing an account to pay bills and receive direct deposits as I do not like cashing a check every week. I went in and talked to the teller told her i wanted to open an account. She got someone to assist me rather fast and within thirty minutes I was out of there with my bank account. I even was able to set up direct deposit rather fast. The following day I called them with some questions and they sat on the phone for a good twenty minutes going over the rates and fees for their checking as I was generally wanting to be sure was excellent service. It was a ten out of ten experience.


Health Grade Components

FDIC Certificate #58013
Year Established2005
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD11.36%
Annual Interest Income$25.1MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$1.00B$931.6MM
LoansQ3 2021vs Q3 2020$628.0MM$749.1MM
DepositsQ3 2021vs Q3 2020$849.9MM$787.3MM
Equity CapitalQ3 2021vs Q3 2020$102.0MM$93.8MM
Loan Loss AllowanceQ3 2021vs Q3 2020$10.1MM$10.5MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$8.3MM$7.0MM
Real Estate OwnedQ3 2021vs Q3 2020$0$121.00K

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