# TWO RIVER COMMUNITY BANK
TINTON FALLS, NJ · FDIC certificate 35426 · asset band $1-10B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.12B | |
| Deposits | $942.9M | |
| Loans and leases | $952.6M | |
| Total equity | $132.1M | |
| Loans / deposits | 99.79% (p81 of band) | 89.69% |
| Liquid assets / assets | 10.05% (p7 of band) | |
| Uninsured deposits / deposits | 26.25% (p46 of band) | 28.16% |
| Brokered deposits | 4.53% | |
| Wholesale funding | 7.83% (p55 of band) | |
| FHLB advances / assets | 1.76% | |
| Tier 1 leverage | 10.13% (p44 of band) | 10.32% |
| Unrealized securities loss / equity | -1.01% (p14 of band) | 0.58% |
| AOCI / equity | 0.17% (p14 of band) | |
| ROA (annualized) | 0.78% (p16 of band) | 1.20% |
| Net interest margin | 3.62% (p49 of band) | 3.62% |
| Efficiency ratio | 68.10% (p72 of band) | |
| Noncurrent loans | 0.17% (p17 of band) | 0.48% |
| Net charge-offs (annualized) | 0.02% (p38 of band) | |
| Reserve coverage of noncurrent | 708.78% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 98.33% (p93 of band) | |
| Auto loans | $15,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $228,000 (0% of equity) (p77 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 151 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 | construction >100% equity | reserve under noncurrent |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 0 |  | construction >100% equity |
| 2014-06 | 1 | construction >100% equity |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | construction >100% equity |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | capital falling, construction >100% equity |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | construction >100% equity |
| 2016-09 | 1 | loans exceed deposits |  |
| 2016-12 | 1 | construction >100% equity | loans exceed deposits |
| 2017-03 | 1 | capital falling | construction >100% equity |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | construction >100% equity | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | construction >100% equity |

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

- 2019-08-09 [OceanFirst buying spree adds Two River Bank, Country Bank for $285M - Asbury Park Press](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPNnFTbGlmVlc3YzRHZHY0OTNCYmtINDZvUzRkYWdtdDFIaUJRcFBRdUVxUWJiUXFVZ2NFUlUwNTVWNjNUUjEya0kyTnA5YjYyaGU3R2JtY2ZLZmJUWS1DZDVJMUE4VjZiUUZ2YmdLZHhTTGFZdllTR0ZNbFU5YVQ1R0lwVExaWVRiZWFKaVA4Z1oxSFJtQTd3T2NOOGlnZFA3YTdONi15TGp3d2txeGY2YXZ0MW41SUFVYTF2bnBJWTRmZw?oc=5) · Asbury Park Press
- 2020-01-02 [OceanFirst completes Two River, Country Bank acquisitions - NJBIZ](https://news.google.com/rss/articles/CBMigAFBVV95cUxOS0JJZXJkbE5HMEZyQ0pLTzc4bXdwRmdHQ0JKWnFjWktfMWlsNnVlYk1YLW1seGhUaHU5MDBNcUJMQXU0MEFxNWNkT2pPLTRaRmFpTi1tMkVaWmJnUzFVenlNd29HVHBYelNTR0F0dnVsYnZuU2lQbVpJRGZIWlIyTw?oc=5) · NJBIZ
- 2019-08-13 [Country Bank merges with OceanFirst in $102M deal - The Riverdale Press](https://news.google.com/rss/articles/CBMihwFBVV95cUxQc3ljVENLZ3VsR3hRb0FoSld3ZW90S19FSGYzVWVsME9INDdUNzJzR2lUM2F1Y0pjdS1uR1hoTmkyWVZfa0lwY1RlbjR0RlI4N3A0NFlMdnJwZUpJaVlNS1UxVW1sQkhwZWFqU181OFRXbUdaRXhQa2l0OGhhcElnWU1YTHVJeHc?oc=5) · The Riverdale Press
- 2019-08-12 [Two River Community Bank to merge with OceanFirst Bank - TheMonmouthJournal.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQZWNOZV9wYnZheFl3YzA4UUFydWxCLU9KYjdNNVVjTUQ2eE92azEtZDQyY1FiTUxSZEtYMmR5LVgzNUhmTlJjeW5kMWdYME8zVU1iaUdLQ3gyczZ4aVdERzhnYWRyeGZvM0VHclFic3NEQWdQeG1Cb0EzdlhSMk90VTl4OHluTGw3MlRPYnVMWS1aMlgyamZpSW41TE5iQQ?oc=5) · TheMonmouthJournal.com
- 2013-10-04 [Business Beat - Two River Times](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5vaGROc21NV25xOHBQQXBDblZnSzVfNlUyVjRkbGZLTUJFSFZ3eDRMTm5NclA4U3VyUmlxLTR1MnJTcVdRYWphOW8xNDM3N2hmOVNfTFZn?oc=5) · Two River Times
- 2018-07-01 [Briefs: Two River Community Bank chief leads NJ Bankers Association - Asbury Park Press](https://news.google.com/rss/articles/CBMiygFBVV95cUxQczUzV3RSS3o0VFhRdmdoNjc4Y25MaUhrOFByblNpVEJVZmFkdmxLRWxMbGhfMTZnT0drbkxSYlhtaTFfVTlkTVdNTTl0NkQwR3ZxNGpuZWE3SVlvUTJlMFVTZHI2OUxsaHdIMURSRGlQZ3RHSnNJbFNRUFBrcVk2RDdSQmVOSjR5b01IUzF1ZjBScE14M3RnY2NrZGdYYV9pM0FjZndrblRJOVBQYXVySmZaZWMyejR1bjlBMmIzWWd4aGEyR1g1T3Nn?oc=5) · Asbury Park Press
- 2019-02-08 [Monmouth Day Care Center Celebrates 50 Years - Two River Times](https://news.google.com/rss/articles/CBMie0FVX3lxTFBtRnNZVTFGWVZ6N1hqVFR0djc1Q2Vidlc4OHgwdzVIWFZocGdMLU9NRUtZdl80SkswQ25fVnZXRkRwQ2QxSks0dTNyXzdkOVZ6ZFAxMTZ4VHZZSVdBdmQ1WmlucGwzUHNQNUlCVGNDU3c5cWN0Y04zVzE2Yw?oc=5) · Two River Times
- 2018-12-16 [Briefs: William Moss named chairman of Two River Community Bank - Asbury Park Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxPTEZQYTF2X1MwNWNUS1NYOHR3ZkZfTGdmcm5UdmNXUmdsLVZLYkNudkNMNkp3RWE5LVpXaDBVUTY3RzFyNjBqUVdYNUNqWVUxY3lEc25QaUhRZTVaRURCMkRXYTRSRktRNUMwdEdWT0U2NURvcHhaYTJMWWxLb1AyNWZEaW8yQjFhS0Q5dWxNN1ItNExKQjdZdUNhbEhMd0Zn?oc=5) · Asbury Park Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35426 (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/34.json (key "35426", 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