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Two Rivers Bank & Trust


Two Rivers Bank & Trust is an FDIC insured institution headquartered at 222 N Main St, Burlington, IA 52601.
It was founded in 2005 and has approximately $1 billion in assets. Customers can open an account at one of its 12 branches.

Deposit Rates - March 19, 2026

SAVINGS RATES APY MIN
Savings
0.03% $1 Compare
Savings
0.05% $1 Compare
CD RATES APY MIN
6 Mo CD
0.20% $1,000 Compare
6 Mo CD
0.15% $1,000 Compare
12 Mo CD
0.28% $1,000 Compare
12 Mo CD
0.20% $1,000 Compare
18 Mo CD
0.34% $1,000 Compare
18 Mo CD
0.20% $1,000 Compare
24 Mo CD
0.40% $1,000 Compare
24 Mo CD
0.26% $1,000 Compare
30 Mo CD
0.34% $1,000 Compare
36 Mo CD
0.47% $1,000 Compare
36 Mo CD
0.38% $1,000 Compare
48 Mo CD
0.50% $1,000 Compare
48 Mo CD
0.47% $1,000 Compare
60 Mo CD
0.60% $1,000 Compare
60 Mo CD
0.59% $1,000 Compare
MM RATES APY MIN
Money Market
0.07% $1 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $1
Int Ckg
0.03% $1,500
Int Ckg
0.10% $1,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58013
Date Established 2005
Assets $ 1,147.78 million
Loans $ 888.96 million
Deposits $ 988.48 million
Capital $ 144.15 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 21.10 million
Interest-bearing balances $ 3.62 million
Total securities $ 175.28 million
Federal funds sold and reverse repurchase $ 0.66 million
Net loans and leases $ 888.96 million
Loan loss allowance $ 11.60 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 25.34 million
All other assets $ 24.02 million
     Total Assets $ 1,003.63 million

LIABILITIES
Total deposits $ 988.48 million
      Interest-bearing deposits $ 839.72 million
      Deposits held in domestic offices $ 988.48 million
      % insured (estimated)" 85.96%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.01 million
Subordinated debt N.A.
All other liabilities $ 2.56 millionn
      Total Liabilities $ 1,003.63 million
      Shareholders’ Equity $ 144.15 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 42.09 million
Total Interest Expense $ 15.41 million
Net interest income $ 26.68 million
Provision for loan and lease losses $ 0.96 million
Total non interest income $ 8.22 million
Total non interest expense $ 22.88 million
Pre-tax Net Operating Income $ 4.11 million

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