Two Rivers Bank & Trust: Bank Stress & Real-Estate Credit Exposure
FDIC Certificate #58013 · Burlington, IA. This institution (Two Rivers Bank & Trust) no longer appears in the current FDIC branch and deposit filings (#58013) that DLRadar scores; FDIC records the last Two Rivers Bank & Trust day as a separately insured institution (#58013) as June 12, 2026. FDIC event for Two Rivers Bank & Trust: Participated in Absorbtion/Consolidation/Merger (2026-06-12). DLRadar last scored Two Rivers Bank & Trust (#58013) on September 20, 2026. The Two Rivers Bank & Trust facts below are its last recorded footprint (#58013), kept as a permanent Two Rivers Bank & Trust public record; the Two Rivers Bank & Trust figures are not refreshed.
Two Rivers Bank & Trust (#58013) carried no scored branch footprint (Two Rivers Bank & Trust) in the FDIC filings DLRadar reads; the Two Rivers Bank & Trust record exists because FDIC certificate 58013 was a separately insured Two Rivers Bank & Trust institution in Burlington, IA, last seen by DLRadar (#58013) on September 20, 2026.
What the Two Rivers Bank & Trust (#58013) record holds: FDIC certificate 58013 for Two Rivers Bank & Trust, closed as a separate Two Rivers Bank & Trust charter on June 12, 2026; successor First Mid B&T NA (FDIC #3705) carries the Two Rivers Bank & Trust footprint forward; FDIC event for Two Rivers Bank & Trust: Participated in Absorbtion/Consolidation/Merger (2026-06-12); Two Rivers Bank & Trust (#58013) first entered DLRadar on September 20, 2026.
How Two Rivers Bank & Trust (#58013) was scored while active: the Two Rivers Bank & Trust stress score read FDIC call-report financials (#58013) and the Summary of Deposits branch file for Two Rivers Bank & Trust, mapped Two Rivers Bank & Trust branches to counties and ZIP codes (#58013), and weighted the Two Rivers Bank & Trust real-estate loan concentration against its peers; the Two Rivers Bank & Trust (#58013) figures on this page are the last such Two Rivers Bank & Trust run and are not refreshed.
Two Rivers Bank & Trust (#58013) net interest margin 1.25% against an eight-quarter Two Rivers Bank & Trust (#58013) average of 2.86% (Two Rivers Bank & Trust (#58013) compression 1.62 points); Two Rivers Bank & Trust (#58013) real-estate loans 0.7% of equity; Two Rivers Bank & Trust (#58013) non-residential real estate 32.5% of equity; Two Rivers Bank & Trust (#58013) rate-exposure score 40/100, Two Rivers Bank & Trust (#58013) fixed-rate trap 40/100; Two Rivers Bank & Trust (#58013) risk type credit driven; Two Rivers Bank & Trust (#58013) rate regime rates elevated, Two Rivers Bank & Trust (#58013) snapshot August 25, 2026.
Two Rivers Bank & Trust (#58013) stress score held at 76.6 across 65 daily snapshots, June 22, 2026 to August 25, 2026.
Two Rivers Bank & Trust (#58013) is chartered in Burlington, IA; FDIC lists Two Rivers Bank & Trust (#58013) as inactive, succeeded by First Mid B&T Na.
Why this Two Rivers Bank & Trust page exists: bank identities are historical data (#58013). When an institution such as Two Rivers Bank & Trust merges or its charter ends, DLRadar keeps the Two Rivers Bank & Trust profile so citations, links and the Two Rivers Bank & Trust score history stay resolvable (#58013), and points Two Rivers Bank & Trust to the successor where the FDIC records one. Every Two Rivers Bank & Trust figure traces to public FDIC data (#58013).