Total Assets
$1.2B
Total balance-sheet footings
FDIC Cert #58013 · Burlington, Iowa · Est. 2005
Two Rivers Bank & Trust - FDIC Bank Health Profile
A community-scale look at Two Rivers Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.2B
- Total assets
- B
- Health grade · Good
- 1.04%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
Two Rivers Bank & Trust earns a PlainBankData health grade of B (72/100), with well-capitalized at 11.69% Tier 1, profitable at 1.04% ROA, 62% efficiency ratio.
- #901
- largest of 4,313 FDIC banks by assets
- 79th
- percentile by asset size, nationally
- 11.69%
- Tier 1 ratio - above the 10% well-capitalized line
- 46th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Two Rivers Bank & Trust's 72/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Two Rivers Bank & Trust's composite health score
Tier 1 Capital Ratio (11.69%) 28/40
Return on Assets (ROA) (1.04%) 20/25
Texas Ratio (6.63%) 16/20
Efficiency Ratio (61.86%) 8/15
72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.0B
Customer-funded liabilities
Net Loans
$872M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Two Rivers Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Two Rivers Bank & Trust's score of 72/100 falls in the highlighted band.
Two Rivers Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Two Rivers Bank & Trust's $1.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.69%
Texas Ratio
6.63%
Equity Capital
$146M
Profitability metrics
Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
8.78%
Efficiency Ratio
61.86%
What the numbers say about Two Rivers Bank & Trust
Two Rivers Bank & Trust is an FDIC-insured institution (Certificate #58013) headquartered in Burlington, Iowa, established in 2005. It holds $1.2B in total assets - 901st of 4,313 FDIC-insured banks, $1.0B in customer deposits, and $872M in net loans. On safety, its Tier 1 capital ratio of 11.69% is above the 10% well-capitalized threshold, and its Texas Ratio of 6.63% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (72/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Iowa, Two Rivers Bank & Trust ranks 24th of 230 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$56M
Interest Income
$11M
Non-Interest Income
$30M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Two Rivers Bank & Trust reports a Texas Ratio of 6.63% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.63% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Two Rivers Bank & Trust (FDIC Cert #58013) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | A | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is Two Rivers Bank & Trust's health grade?▼
Two Rivers Bank & Trust receives a health grade of B (72/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Two Rivers Bank & Trust?▼
Two Rivers Bank & Trust holds $1.2B in total assets and $1.0B in deposits, ranking 901st of 4,313 FDIC-insured banks by asset size. It is headquartered in Burlington, Iowa.
Is my money safe at Two Rivers Bank & Trust?▼
Yes, deposits at Two Rivers Bank & Trust (Certificate #58013) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Two Rivers Bank & Trust's Tier 1 Capital Ratio?▼
Two Rivers Bank & Trust has a Tier 1 Capital Ratio of 11.69%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Two Rivers Bank & Trust?▼
Two Rivers Bank & Trust has a Texas Ratio of 6.63%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Two Rivers Bank & Trust?▼
Two Rivers Bank & Trust has an Efficiency Ratio of 61.86%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Two Rivers Bank & Trust's profile as a depositor or analyst.
- Two Rivers Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Two Rivers Bank & Trust against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.