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This institution is no longer active

Operations ceased on June 12, 2026. CRA examination history below reflects the period it was active.

TWO RIVERS BANK & TRUST

BURLINGTON, IA · Supervised by FDIC

Est. 2005FDIC #58,013RSSD: FDIC-58013
Part ofFIRST MID BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.39%

Institution Profile

FDIC BankFind

Address

222 N Main St, BURLINGTON, IA

County

Des Moines County

Established

May 2, 2005

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.1B

Net Loans

$865M

Net Income

$1M

ROA

0.39%

ROE

3.29%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate14.67%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

14

Branch Deposits

$1.0B

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202433470.36%14.67%
202334379.01%7.29%
202247580.21%9.26%
202145873.14%10.70%
202042866.82%15.42%
201939571.14%13.16%
201843576.78%8.74%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2007

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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