Two Rivers Bank & Trust
- Company typePrivate
- Founded1904
- HeadquartersBurlington, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
Two Rivers Bank & Trust firmographics
Firmographics- Name
- Two Rivers Bank & Trust
- Legal name
- Two Rivers Financial Group, Inc.
- Website
- https://tworivers.bank
- Company type
- Private
- Founded year
- 1904
- Operating status
- Acquired
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Where Two Rivers Bank & Trust is headquartered
LocationHeadquarters
- HQ city
- Burlington
- HQ country
- United States
- HQ region
- North America
Markets served
Two Rivers Bank & Trust business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Two Rivers Bank & Trust product offering
Product offeringCore offering
Two Rivers Bank & Trust was a community bank providing personal and business deposit accounts, consumer and commercial loans (including agricultural, SBA, and specialty financing such as campground, healthcare, and municipal), mortgages, wealth management, and treasury management services to individuals, small businesses, and agricultural operators in Iowa. Following its February 2026 acquisition, banking operations were integrated into First Mid Bank & Trust.
Product overview
First Mid Bank & Trust offers a unified banking platform combining personal and commercial banking services. The core product portfolio includes personal banking (checking, savings, credit cards, debit cards), business banking (commercial checking, treasury management, business cards), various lending products (commercial, agricultural, specialty lending, mortgages, auto loans), wealth management, and insurance services. Following the acquisition of Two Rivers Financial Group in February 2026, the bank also maintains legacy Two Rivers-branded products including wealth management and 401(k) services. Digital banking is delivered through online and mobile banking platforms with companion mobile applications for iOS and Android.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Banking
- Business Banking
- Commercial Lending
- Agricultural Lending
- Specialty Lending
- Mortgages
- Auto and Consumer Loans
- Wealth Management
- Insurance
- Treasury Management
- Online and Mobile Banking
Companies that use Two Rivers Bank & Trust
Customer profileIdeal customer profiles3 records
Two Rivers Bank & Trust technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Two Rivers Bank & Trust partnerships and signals
Strategic signalScale indicators2 records
Recent moves3 records
Expansion highlights3 records
Two Rivers Bank & Trust competitors and assessment
Company assessmentBroad incumbents
- QCR Holdings: Quad Cities / Iowa regional bank holding company operating community banks with broader commercial and mortgage capabilities — a larger incumbent operating in overlapping Iowa markets.
- Heartland Financial USA (HTLF): Dubuque, Iowa-headquartered multi-state community bank holding company; broader geographic footprint but directly comparable business model and product suite to Two Rivers.
- West Bancorporation: West Des Moines, Iowa-based bank holding company with personal, commercial, and mortgage banking — operates in the same Iowa deposit/lending market as Two Rivers at a larger scale.
Regional players
- First Interstate BancSystem: Multi-state community-bank franchise operating across the Midwest and Western U.S.; comparable community-banking model but does not directly compete in Iowa, making it a regional benchmark rather than a direct competitor.
- Stockman Financial Corp: Montana-based community bank holding company with personal, commercial, ag, and wealth services — comparable community-bank product mix but operating in a different regional footprint.
Direct peers
- BankIowa: Iowa-headquartered community bank with a similar personal/commercial/ag lending focus and roughly comparable deposit base, making it a close comparable to the Two Rivers franchise.
- Raccoon Valley Bank: Smaller Iowa community bank offering personal, business, ag, and mortgage lending — comparable in rural Iowa market focus and product scope to Two Rivers.
- MidWestOne Financial Group: Iowa-based bank holding company operating community banks with personal, commercial, ag, and mortgage products — a scaled but directly comparable regional peer.
- GreenState Credit Union: Iowa-headquartered depository institution serving retail and commercial members with deposit, lending, and wealth services — overlaps with Two Rivers' Iowa consumer and small-business footprint.
- Hills Bank and Trust Company: Iowa-based community bank offering personal, commercial, ag, mortgage, and wealth services — directly comparable in market, product mix, and deposit-funded lending model to Two Rivers Bank & Trust.
Market position
Strengths3 records
Weaknesses4 records
Competitive moat3 records
Key risks4 records
Key highlights5 records
Customer concentration
Two Rivers Bank & Trust financial estimates
Financial estimateRevenue estimate
Valuation estimate
Two Rivers Bank & Trust leadership team
Management profileNumber of profiles
Two Rivers Bank & Trust funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Two Rivers Bank & Trust M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Two Rivers Bank & Trust
What does Two Rivers Bank & Trust do?
Two Rivers Bank & Trust was a community bank providing personal and business deposit accounts, consumer and commercial loans (including agricultural, SBA, and specialty financing such as campground, healthcare, and municipal), mortgages, wealth management, and treasury management services to individuals, small businesses, and agricultural operators in Iowa. Following its February 2026 acquisition, banking operations were integrated into First Mid Bank & Trust.
Is Two Rivers Bank & Trust a public or private company?
Two Rivers Bank & Trust is a private company. It is classified as corporate owned and is currently acquired.
When was Two Rivers Bank & Trust founded?
Two Rivers Bank & Trust was founded in 1904. It employs 51 to 100 people.
Where is Two Rivers Bank & Trust based?
Two Rivers Bank & Trust is headquartered in Burlington, United States, in the North America region.
Who are Two Rivers Bank & Trust's main competitors?
Broad incumbents on record are QCR Holdings, Heartland Financial USA (HTLF) and West Bancorporation. Regional players are First Interstate BancSystem and Stockman Financial Corp. Direct peers are BankIowa, Raccoon Valley Bank, MidWestOne Financial Group, GreenState Credit Union and Hills Bank and Trust Company.
Does Two Rivers Bank & Trust have an API?
No public API is recorded for Two Rivers Bank & Trust.