Two Rivers Bank


555 South 19th Street
Blair, NE 68008
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Notable Rates APY Vs.Others
Savings 0.05% 1.60% →
1-Year CD 0.75% 1.55% →
2-Year CD 0.90% 2.65% →
5-Year CD 1.21% 1.66% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Two Rivers Bank is an FDIC insured institution located in Blair, NE. It was founded in 1997 and has approximately $0.14 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 34468
Date Established 1997
Assets $ 141.67 million
Loans $ 88.08 million
Deposits $ 110.39 million
Capital $ 19.08 million

For a more detailed analysis of Two Rivers Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 3, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.05% $1 - Learn More
Money Market
0.05% $1 $49,999 Learn More
3 Mo CD
0.40% $500 - Learn More
6 Mo CD
0.55% $500 - Learn More
12 Mo CD
0.75% $500 - Learn More
Special: 15 Mo CD
1.00% $500 - Learn More
24 Mo CD
0.90% $500 - Learn More
36 Mo CD
1.10% $500 - Learn More
48 Mo CD
1.15% $500 - Learn More
60 Mo CD
1.21% $500 - Learn More

Fixed IRA
0.25% $500 - Learn MoreShow Less

Loan Rates - June 3, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Two Rivers Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.019% 3.000% 0.25 $625 $1,055 Learn More

Note to Two Rivers Bank
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Financial Details

Two Rivers Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Two Rivers Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
Two Rivers Bank U.S. Bank Average
1.33% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Two Rivers Bank had $268,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,081,000 in equity and $1,145,000 in loans loss reserves. That gives it a Texas Ratio of 1.33%.

Return on Equity
Two Rivers Bank U.S. Bank Average
9.52% 9.41%

Two Rivers Bank has a Return on Equity of 9.52% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Two Rivers Bank U.S. Bank Average
13.47% 12.82%

Two Rivers Bank has a Capitalization of 13.47% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Two Rivers Bank Balance Sheet Analysis

As of December 31, 2019, Two Rivers Bank had assets of $141,670,000, loans of $88,084,000, and deposits of $110,394,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
Cash & Balances due from depository institutions $ 2.79 million
Interest-bearing balances $ 0.64 million
Total securities $ 38.63 million
Federal funds sold and reverse repurchase $ 0.95 million
Net loans and leases $ 88.08 million
Loan loss allowance $ 1.15 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 6.72 million
     Total Assets $ 122.59 million
Total deposits $ 110.39 million
      Interest-bearing deposits $ 81.67 million
      Deposits held in domestic offices $ 110.39 million
      % insured (estimated) 82.38%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 11.98 million
Subordinated debt N.A.
All other liabilities $ 0.22 million
      Total Liabilities $ 122.59 million
      Shareholders’ Equity $ 19.08 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 5.93 million
Total Interest Expense $ 1.15 million
Net interest income $ 4.78 million
Provision for loan and lease losses $ 0.07 million
Total non interest income $ 0.72 million
Total non interest expense $ 3.91 million
Pre-tax Net Operating Income $ 1.52 million

Bank Loan Profile?

The top three loan types in Two Rivers Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial Real Estate.

Compared to other banks in Nebraska, Two Rivers Bank has a significantly higher percent of 1-4 Family Residential Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 28.86
Credit Card Loans 0.00
Consumer Auto Loans 1.48
Small Business Loans 13.11
Construction and Development Loans 3.82
Commercial Real Estate 14.35
Commercial and Industrial Loans 9.91
Farm Loans 16.48

Frequently Asked Questions About Two Rivers Bank

Branches and Savings

Is Two Rivers Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34468.

Why does Two Rivers Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Two Rivers Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Two Rivers Bank a commercial bank?


Where are Two Rivers Bank locations?

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Is Two Rivers Bank open on Saturdays?

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Do Two Rivers Bank checks expire?

Does Two Rivers Bank require US citizenship to open account?

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Does Two Rivers Bank offer mortgages?

Compare mortgage rates here.

Does Two Rivers Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Two Rivers Bank offer personal loans?

Compare personal loan rates here.

Does Two Rivers Bank offer student loans?

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Background on The Bank

Who owns Two Rivers Bank?

How long has Two Rivers Bank been around?

Can Two Rivers Bank transfer to other banks?

Does Two Rivers Bank have quick pay?

Does Two Rivers Bank accept rolled coins?

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