Two River Community Bank

Headquartered in Tinton Falls, NJ, Two River Community Bank operates 15 branch locations and 2 Regional Lending Offices serving Monmouth, Middlesex, Union and Ocean Counties. We are a full-service bank offering personal banking, residential mortgages, business banking, commercial loans, and medical/private banking and lending. Since opening our doors in 2000, our focus has been on our customers, as we strive to make their banking experience the very best it can by meeting their financial needs and goals, getting to know them as a valued customer and friend, and providing them with the latest in technological advances. We are here to help our customers achieve their dreams. The key strength of Two River Community Bank is the team we've assembled. Our Board of Directors has deep roots in New Jersey and in the surrounding business communities. The core of our professional staff has been working together providing community banking services in this area for over the last decade. The focus of our Bank is to provide a complete array of financial services to individuals and organizations located within our local communities. We invite you to experience the advantages of local management, local knowledge, local decision making and local service in helping you build your financial foundation. Two River Community Bank...Your Community. Your Bank.
Tinton Falls, US
Size (employees)
137 (est)
Two River Community Bank is headquartered in Tinton Falls, US

Two River Community Bank Office Locations

Two River Community Bank has offices in Tinton Falls, Wall Township, Atlantic Highlands, Freehold and in 10 other locations
Tinton Falls, US (HQ)
656 Shrewsbury Ave
Tinton Falls, US
766 Shrewsbury Ave
Summit, US
A 7 Cedar St
Toms River, US
110 26 Main St
Westfield, US
520 S Ave W
Fanwood, US
328 South Ave
Cranford, US
249 N Ave W
New Brunswick, US
94 Albany St
West Long Branch, US
359 Monmouth Rd
Tinton Falls, US
4050 Asbury Ave
Red Bank, US
140 Broad St
Middletown, US
357 Nj 36
Atlantic Highlands, US
2345 Nj 36
Middletown, US
1250 Nj 35
Manasquan, US
240 Parker Ave
Freehold, US
31 E Main St
Atlantic Highlands, US
84 1st Ave
Wall Township, US
1717 Nj 34

Two River Community Bank Metrics

Two River Community Bank Financial Metrics

Revenue (2016)

$40.1 m

Revenue growth (2015-16), %


Gross profit

$34.9 m

Gross profit margin (2016), %


Net income (2016)

$8.6 m

Market capitalization (28-Apr-2017)

$154.4 m

Closing share price (28-Apr-2017)


Cash (31-Dec-2016)

$42.1 m
Two River Community Bank's current market capitalization is $154.4 m.
Two River Community Bank's revenue was reported to be $40.1 m in FY, 2016 which is a 25% increase from the previous period.
FY, 2013FY, 2014FY, 2015FY, 2016


$30.3 m$30.4 m$32.1 m$40.1 m

Revenue growth, %


Cost of goods sold

$3.8 m$3.5 m$3.9 m$5.2 m

Gross profit

$26.5 m$26.9 m$28.2 m$34.9 m

Gross profit Margin, %



$25.6 m$26.3 m$27.8 m$28.9 m

EBIT margin, %


Pre tax profit

$8.1 m$9.6 m$9.9 m$13 m

Net Income

$5.2 m$6 m$6.3 m$8.6 m
FY, 2013FY, 2014FY, 2015FY, 2016


$47.9 m$36.1 m$46.7 m$42.1 m

Accounts Receivable

$1.8 m$1.6 m$1.9 m$2.2 m



$4.2 m$5.7 m$5.1 m$4.7 m


$18.1 m$18.1 m$18.1 m$18.1 m

Total Assets

$769.7 m$781.2 m$863.7 m$940.2 m

Accounts Payable

$66 k$46 k$118 k$100 k

Retained Earnings

$12.5 m$17.5 m$22.8 m$24.4 m

Total Equity

$93 m$100.7 m

Financial Leverage

9.3 x9.3 x
FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

$5.2 m$6 m$6.3 m$8.6 m

Depreciation and Amortization

$711 k$596 k$798 k$780 k

Accounts Receivable

$124 k$124 k($276 k)($322 k)


Accounts Payable

($4 k)($20 k)$72 k($18 k)

Cash From Operating Activities

$9.1 m$5.8 m$13.1 m$8.9 m

Cash From Investing Activities

($41.3 m)($21.8 m)($77.7 m)($79.7 m)

Long-term Borrowings

($1.5 m)($1.5 m)

Cash From Financing Activities

$31.5 m$4.3 m$75.2 m$66.1 m

Interest Paid

$3.8 m$3.5 m$3.8 m$5.2 m

Income Taxes Paid

$3.7 m$3.4 m$3.3 m$4.3 m

Two River Community Bank Market Value History

Two River Community Bank Online Presence

Two River Community Bank Company Life

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