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 - August 02, 2025

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 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58013
Date Established 2005
Assets $ 1,191.58 million
Loans $ 908.95 million
Deposits $ 1,040.83 million
Capital $ 135.82 million

Summary Balance Sheet as of March 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 52.59 million
Interest-bearing balances $ 35.33 million
Total securities $ 167.14 million
Federal funds sold and reverse repurchase $ 0.14 million
Net loans and leases $ 908.95 million
Loan loss allowance $ 12.16 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.04 million
Goodwill and other intangibles $ 26.00 million
All other assets $ 24.02 million
     Total Assets $ 1,055.76 million

LIABILITIES
Total deposits $ 1,040.83 million
      Interest-bearing deposits $ 890.67 million
      Deposits held in domestic offices $ 1,040.83 million
      % insured (estimated)" 85.49%
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 $ 1,055.76 million
      Shareholders’ Equity $ 135.82 million

Summary Income Statement as of March 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 13.74 million
Total Interest Expense $ 5.28 million
Net interest income $ 8.46 million
Provision for loan and lease losses $ 0.20 million
Total non interest income $ 2.65 million
Total non interest expense $ 7.46 million
Pre-tax Net Operating Income $ 4.11 million

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