BlastPoint's Banking Scorecard
Two Rivers Bank & Trust
Community
Specialty: Commercial
IA
FDIC cert 58013
Burlington, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Two Rivers Bank & Trust faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 21% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+1.0% YoY
+2.6% QoQ
|
-$214.1M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$871.8M
-5.2% YoY
-1.9% QoQ
|
-$103.7M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$1.0B
+1.2% YoY
+3.3% QoQ
|
-$143.4M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
1.04%
+24.1% YoY
+8.1% QoQ
|
-0.12% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.27%
+10.8% YoY
+0.4% QoQ
|
-0.39% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
61.86%
-6.9% YoY
-1.4% QoQ
|
-0.78% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
1.20%
+10.2% YoY
-1.3% QoQ
|
+0.57% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
85.37%
-6.4% YoY
-5.1% QoQ
|
+2.31% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
14.18%
-8.7% YoY
-5.8% QoQ
|
-6.86% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.89%
-1.2% YoY
-5.6% QoQ
|
+0.39% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.93%
+5.7% YoY
+30.5% QoQ
|
+0.19% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#90 of 432 · Bottom 21% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Non-Interest Income / Assets
Current: 0.93% · Tier avg: 0.74%
62
62th pctile
Total Loans
Current: $871.8M · Tier avg: $975.5M
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
52
52th pctile
Loan-to-Deposit Ratio
Current: 85.37% · Tier avg: 83.06%
51
51th pctile
Efficiency Ratio
Current: 61.86% · Tier avg: 62.63%
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.66%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.50%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.18% · Tier avg: 21.05%
21
21th pctile
Delinquency Rate
Current: 1.20% · Tier avg: 0.63%
Top Weaknesses
21
21th pctile
Delinquency Rate
Current: 1.20% · Tier avg: 0.63%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.18% · Tier avg: 21.05%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.50%
29
29th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
51
51th pctile
Efficiency Ratio
Current: 61.86% · Tier avg: 62.63%
52
52th pctile
Loan-to-Deposit Ratio
Current: 85.37% · Tier avg: 83.06%
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
62
62th pctile
Total Loans
Current: $871.8M · Tier avg: $975.5M
84
84th pctile
Non-Interest Income / Assets
Current: 0.93% · Tier avg: 0.74%