# TWO RIVERS BANK
BLAIR, NE · FDIC certificate 34468 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $146.1M | |
| Deposits | $122.4M | |
| Loans and leases | $77.0M | |
| Total equity | $20.2M | |
| Loans / deposits | 61.82% (p48 of band) | 63.26% |
| Liquid assets / assets | 41.16% (p49 of band) | |
| Uninsured deposits / deposits | 23.01% (p65 of band) | 18.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.05% (p64 of band) | |
| FHLB advances / assets | 2.05% | |
| Tier 1 leverage | 12.86% (p74 of band) | 10.61% |
| Unrealized securities loss / equity | 6.95% (p93 of band) | 0.71% |
| AOCI / equity | -1.25% (p43 of band) | |
| ROA (annualized) | 1.10% (p54 of band) | 1.03% |
| Net interest margin | 3.41% (p56 of band) | 3.29% |
| Efficiency ratio | 70.29% (p58 of band) | |
| Noncurrent loans | 0.18% (p40 of band) | 0.32% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 923.74% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 16.00% (p53 of band) | |
| Auto loans | $1.3M (1.74% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.6% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, charge-offs p90 |  |
| 2011-09 | 3 |  | losing money |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 5 | capital falling, expense ratio p90, charge-offs p90 |  |
| 2012-06 | 4 |  | charge-offs p90 |
| 2012-09 | 2 |  | reserve under noncurrent, capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | capital falling | expense ratio p90 |
| 2013-06 | 3 | AOCI drag >20% of equity, uninsured deposits leaving | capital falling |
| 2013-09 | 2 |  | AOCI drag >20% of equity |
| 2013-12 | 5 | capital falling, AOCI drag >20% of equity, reserve under noncurrent |  |
| 2014-03 | 2 |  | capital falling, AOCI drag >20% of equity, reserve under noncurrent |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | brokered >10% | uninsured deposits leaving |
| 2015-03 | 3 | reserve under noncurrent |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | charge-offs p90 |  |
| 2015-12 | 5 | capital falling |  |
| 2016-03 | 2 |  | reserve under noncurrent, charge-offs p90, capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | brokered >10% |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | assets shrinking |  |
| 2017-12 | 1 |  | assets shrinking |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | wholesale funding >15% |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-12 [Two Rivers Bank & Trust locations to reopen as First Mid Bank & Trust - Corridor Business Journal](https://news.google.com/rss/articles/CBMimwFBVV95cUxQa1dield6SmJyQlhxdnFBQnBYU1k2bERYR2FoYjJVbEEzdWxHVmNNc0I1cXFhRWkxUXlJQktwa2tpYjdpY05HYVdodnRPT1ZhUGVIeVBVRk1pRV90eXp5b1lOaVJXOU5sVVpFS1pjczlYZS1oT1d0RVhod2Z0Qi1WVjI0Z2tNWjkyRU50LWZHUDV4VHlROVc2S0dfQQ?oc=5) · Corridor Business Journal
- 2026-06-09 [Two Rivers Bank & Trust becomes First Mid Bank & Trust - Illinois Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxNdzZ3Nnk4LUtUMzJWREFMX3UxQldpRUk1Sm9DNndjajdHS244c1hRVDNoM1JGaXVmNW9RVVpldnpWMHN3LUZrMkhIczUxTERVaC1FdWRsXzczVkJlY0hLb1hiOHg1WVhuX1BaakZzVGxJRlpxYXJwMUlIeGEwcHlBVEhEWHFGZlM2WWRONEZQVUQ4dw?oc=5) · Illinois Business Journal
- 2026-04-28 [First Mid announces June 15th transition at Two Rivers - Pen City Current](https://news.google.com/rss/articles/CBMiogFBVV95cUxQc0NZV2tjWGxGbXNROHVqS1gwSjd0ZllmZk1pNlhPdzlvWk8wbnBMR3RScncwUEwyTDhUOUhNdWdld2FEVFhWMFNVcXZMT0MyRGFQN3JVdC0tdkNCckt3MnpKemdnLWRCTnpuMWhxSkNSSXlUYlpZUnhPNllzVWJlYUFPcElmZWFuams3c0lFR2g0YW5ka2k1ZGR5VloyamJiTGc?oc=5) · Pen City Current
- 2023-06-17 [RVR Bank discusses name change - Washington County Enterprise](https://news.google.com/rss/articles/CBMif0FVX3lxTE1tSDE3WmxmLW91X0NObTVhakRraWRaMjZORHNYX2tSaWxKWjhaRWEwRTh1dEc3MkZpN3Y1Ump1VnZ0RWhiOHNXWmliQUNFZ0hfR0Q0dkdOVTQ1blJCLTd5cGY4b0JYZnNVZTBEd1A2VkRBcGRtS0tWS0JJUzBYUjg?oc=5) · Washington County Enterprise
- 2022-10-28 [Cool City Brewing opening soon in former Two Rivers bank building - OnMilwaukee](https://news.google.com/rss/articles/CBMibkFVX3lxTE9IVllwcHh2ZEpLYmo0YnIyQWEzRG4zeXVLbFdBRW5JLXl0dktaMmx3N0hKN29zM005b0RmQ2R0a1RJV2otc0hOQVR1dGRyaGxIbFh3dEdreFh3X2pvYjlqdkNETElwS1dDOW84Ny1R?oc=5) · OnMilwaukee
- 2025-11-18 [Illinois-based bank taps bigger competitor to fill C-suite post - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxPVHRMbGgtOFY0bmZLV3dKeWRWRkdZXzhMN0kzd2FlUmF6SWRrOXhuOEg3TjVXZEh3aDk4RG51OFdGcWp2QWw5SjcxeEp4d1UtSENMbi12VS15TE11c3FrMnQyZnkwcnZCVU5WMEhLRE1MZjMtcnIxLVRjS3p6aHNHOXM3WHZvQjM3ZzNWajBRZWlwaENwSDJucWt2eUItTk1Y?oc=5) · The Business Journals
- 2021-09-30 [NOTICE OF PROPOSED MERGER First State Bank & Trust Company, Fremont, Nebraska, intends to apply to the Federal Deposit Insurance Corporation for permission to merge with Two Rivers Bank, Blair, … - Washington County Enterprise](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQNVF1dG5lMkdRSkdUN01uLTY3N0hBdzZNXzFOSGl4azQwQzlmRlRIR29jUnVhU2x3M0ZjbHRlOWNEeVo5VnU2VGljZGNKNEFQNkRkTmJqSXhVRVN5Wlg2RHprQkw4UTRwS1FWVDJFR0pscDd3S291Yk5RNDhVSEs0d2trbVZsUER3bmZRWEZERXlnX3FYTVdBaUhrZGNTeGpEUWFMVTdhb3VxYlZCdmJoTktNVEczTkptajdTSHBMLXpQZ01kRG5zRVllNXczcU5TRno4?oc=5) · Washington County Enterprise
- 2009-05-03 [Gary Williby Obituary (2009) - Omaha, NE - Omaha World-Herald - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQYTMzaVMxbGJnQWZEZ1ZCdl84UUZncm1sYjg2bk5fNUUtamVwTW5GLUtRbVBfM3RCd3hoSVRKd3hVU0ZZOGlEQ2Z6QXdobnZhRm41WVEzRTRMVktKUUZHYmVoQUVhMjE4RldUVlpmZWx4cmdvaXptYnZYR1BtTHE3YXppbWtwcFU?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34468 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "34468", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide