Unverified listing What this means
The Lender Report built this page from public records. Two Rivers Bank & Trust has not reviewed it. Every lender's page starts this way, and it says nothing about Two Rivers Bank & Trust itself. Each figure shows its source and date. Work at Two Rivers Bank & Trust? You can claim this page for free.
Depository, Burlington, IA
Two Rivers Bank & Trust
Two Rivers Bank & Trust no longer files under this name. FDIC records show it merged into First Mid Bank & Trust, National Association on June 12, 2026. Before that it made 20 multifamily loans in 2025, all in Iowa, at a typical size of $270K, and 43 1-4 unit investor or business-purpose loans in 2025.
- Kind
- Depository, no June 2026 call report
- Data as of
- HMDA 2025, SBA September 30, 2026
- Page last changed
- November 12, 2026
- Multifamily loans made, 2025
- 20
- HMDA,
- HMDA, 5 or more units
- Investor loans made, 2025
- 43
- HMDA,
- 1-4 units or business purpose
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Multifamily dollars, 2025
- $9.87M
- HMDA,
How to reach them
Each line shows where it came from
- Phone
- No phone number or website is on record for this lender.
- Address
- 222 N Main St, Burlington, IA 52601FDIC institution record,
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| June 12, 2026 | Merged into First Mid Bank & Trust, National Association on June 12, 2026.FDIC structure history. | FDIC history, |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Johnson County, IA | Purchase, 50 to 99 units | $1.9M | 6% | 5 yr | 77% | HMDA 2025 |
| 2025 | Muscatine County, IA | Refinance, 25 to 49 units | $1.4M | 5.99% | 5 yr | 37% | HMDA 2025 |
| 2025 | Johnson County, IA | Purchase, 5 to 24 units | $1.1M | 6% | 5 yr | 80% | HMDA 2025 |
| 2025 | Johnson County, IA | Purchase, 25 to 49 units | $840K | 5.99% | 5 yr | 71% | HMDA 2025 |
| 2025 | Johnson County, IA | Purchase, 5 to 24 units | $820K | 6.95% | 5 yr | 75% | HMDA 2025 |
| 2025 | Johnson County, IA | Purchase, 25 to 49 units | $800K | 6.35% | 5 yr | 72% | HMDA 2025 |
| 2025 | Iowa | Purchase, 5 to 24 units | $560K | 6.5% | 5 yr | 79% | HMDA 2025 |
| 2025 | Johnson County, IA | Purchase, 25 to 49 units | $360K | 6.35% | 5 yr | 72% | HMDA 2025 |
| 2025 | Washington County, IA | Purchase, 5 to 24 units | $360K | 6.5% | 5 yr | 58% | HMDA 2025 |
| 2025 | Johnson County, IA | Purchase, 5 to 24 units | $280K | 6.35% | 5 yr | 75% | HMDA 2025 |
| 2025 | Johnson County, IA | Purchase, 5 to 24 units | $260K | 6.75% | 5 yr | 75% | HMDA 2025 |
| 2025 | Des Moines County, IA | Refinance, 5 to 24 units | $220K | 6.75% | 5 yr | 26% | HMDA 2025 |
| 2025 | Johnson County, IA | Purchase, 5 to 24 units | $200K | 6.75% | 5 yr | 75% | HMDA 2025 |
| 2025 | Johnson County, IA | Purchase, 5 to 24 units | $180K | 6.75% | 5 yr | 75% | HMDA 2025 |
| 2025 | Johnson County, IA | Purchase, 25 to 49 units | $140K | 5.9% | 5 yr | 70% | HMDA 2025 |
| 2025 | Johnson County, IA | Purchase, 25 to 49 units | $120K | 6.15% | 5 yr | 72% | HMDA 2025 |
| 2025 | Des Moines County, IA | Purchase, 5 to 24 units | $100K | 6.75% | 5 yr | 66% | HMDA 2025 |
| 2025 | Des Moines County, IA | Purchase, 5 to 24 units | $100K | 6.75% | 5 yr | 63% | HMDA 2025 |
| 2025 | Johnson County, IA | Purchase, 5 to 24 units | $85K | 6.5% | 5 yr | 75% | HMDA 2025 |
| 2025 | Des Moines County, IA | Purchase, 5 to 24 units | $45K | 6.75% | 5 yr | 47% | HMDA 2025 |
| 2024 | Polk County, IA | Purchase, 25 to 49 units | $7.3M | 7.5% | 1.5 yr | 83% | HMDA 2024 |
| 2024 | Johnson County, IA | Purchase, 25 to 49 units | $3.5M | 6.85% | 5 yr | 78% | HMDA 2024 |
| 2024 | Des Moines-West Des Moines, IA | Purchase, 5 to 24 units | $1.5M | 6.75% | 5 yr | 80% | HMDA 2024 |
| 2024 | Polk County, IA | Purchase, 5 to 24 units | $1.3M | 7.5% | 1.5 yr | 80% | HMDA 2024 |
| 2024 | Johnson County, IA | Purchase, 5 to 24 units | $660K | 7.5% | 5 yr | 76% | HMDA 2024 |
| 20 multifamily loans made in 2025 | $9.87M | HMDA 2025 | |||||
A blank means the source did not report it.
What it lends on
HMDA and SBA files
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 20 | $9.87M | $270K | $1.9M | HMDA, |
| Multifamily, 5 or more units | 2024 | 15 | $15.7M | $145K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 43 | $7.11M | $75.0K | HMDA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Iowa HQ | 1 | 20 | 40 | 0 | 0 |
| Arizona | 0 | 0 | 1 | 0 | 0 |
| Illinois | 0 | 0 | 1 | 0 | 0 |
| Missouri | 0 | 0 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Johnson County, IA | 15 | $11.3M |
| Des Moines County, IA | 8 | $1.17M |
| Lee County, IA | 5 | $205K |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Iowa City, IA | 16 | $11.6M |
Peers
Same kind of lender, similar size and book
What we don't know
- Whether it is taking new loans today, or on what terms.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Two Rivers Bank & Trust, FDIC certificate 58013. Compare it with the regulator's record.
- Loans made. 78 recorded loans from the HMDA file, in 2024 and 2025: 20 HMDA multifamily 2025, 15 HMDA multifamily 2024, 43 HMDA 1-4 unit investor 2025. Each has its source and date. [How each file was tied to Two Rivers Bank & Trust]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of HMDA 2025, SBA September 30, 2026. Page last changed November 12, 2026.
- FDIC certificate
- 58013
- LEI
- 549300TN34NXD7N44O04
- The Lender Report ID
- lr_009303
- Originated 20 multifamily loans totaling $9.9M in 2025 (HMDA).
- Originated 15 multifamily loans totaling $15.7M in 2024 (HMDA).
- Originated 43 1-4 unit investor or business-purpose loans totaling $7.1M in 2025 (HMDA).
- Merged into First Mid Bank & Trust, National Association on June 12, 2026. Source: FDIC records.
Cite this
Source: The Lender Report, Two Rivers Bank & Trust, https://lender.report/lender/two-rivers-bank-and-trust-ia/, data as of December 31, 2025.
Sources
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem