This institution is no longer active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

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.39%

Is this bank safe?

TWO RIVERS BANK & TRUST holds a Satisfactory CRA rating (2023), meets basic financial requirements (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%

Below avg for Community banks. Peer avg: 0.90%

ROE

3.29%

Risk-Based Capital

0.00%

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).

ROA0.39%Peer avg: 0.90%▼ Below avg

Risk-Based Capital0.00%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate14.67%Peer avg: 10.20%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.0B

1-Year Change

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	334	70.36%	14.67%
2023	343	79.01%	7.29%
2022	475	80.21%	9.26%
2021	458	73.14%	10.70%
2020	428	66.82%	15.42%
2019	395	71.14%	13.16%
2018	435	76.78%	8.74%

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
Mar 2023	Satisfactory	Intermediate Small Bank
Feb 2020	Satisfactory	Intermediate Small Bank
Apr 2017	Satisfactory	Intermediate Small Bank

3 previous ratings locked — 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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