This institution is no longer active

Operations ceased on January 1, 2020. CRA examination history below reflects the period it was active.

TWO RIVER COMMUNITY BANK

TINTON FALLS, NJ · Supervised by FDIC

Est. 2000FDIC #35,426RSSD: FDIC-35426

Part ofCOMMUNITY PARTNERS BCORP→ View all charters

Outstanding Same

Current rating · Exam: May 2019

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.78%

Is this bank safe?

TWO RIVER COMMUNITY BANK earned an Outstanding CRA rating (2019), meets basic financial requirements (ROA +0.78%).

Institution Profile

FDIC BankFind

Address

766 Shrewsbury Avenue, TINTON FALLS, NJ

County

Monmouth County

Established

February 28, 2000

Total Assets

$1.1B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2019Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$943M

Net Loans

$941M

Net Income

$9M

ROA

0.78%

Below avg for Community banks. Peer avg: 0.90%

ROE

6.81%

Risk-Based Capital

12.68%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA0.78%Peer avg: 0.90%▼ Below avg

Risk-Based Capital12.68%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate7.38%Peer avg: 10.20%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	366	74.32%	7.38%
2018	331	78.85%	8.46%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2019	Outstanding	Intermediate Small Bank
Apr 2016	Outstanding	Intermediate Small Bank
Jan 2013	Satisfactory	Intermediate Small Bank

3 previous ratings locked — back to 2002

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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