In today’s economic environment, it's essential for community banks to join together - building stronger, larger, more diverse institutions to better support your needs while maintaining the level of service you've come to expect. 

This transition means you’ll have access to an even broader range of financial solutions, expanded brokerage and retirement services, and a larger network of branches and ATMs across Illinois, Iowa, Missouri, Texas, and Wisconsin. Because the Two Rivers branch network complements First Mid’s footprint, we anticipate that all current Two Rivers branch locations will remain open.

Your partnership and trust are very important, and we value the strong banking relationship you've built. First Mid is committed to supporting your goals with personalized service and care. As we get closer to the merger closing date, more information will be available to you.




















Two Rivers Conversion

Watch for a Welcome Packet to arrive in your mailbox during the first part of May. 

 
Documents included in your Welcome Mailing can be found at the following links.
 
The Customer Welcome Guide is full of detailed information about the conversion of accounts from Two Rivers to First Mid. You will also find additional resources and information at the links below and a snapshot of the conversion timeline.


Personal Banking Details
Links to resources and additional information about the conversion of Two Rivers personal accounts and services to First Mid.

Business Banking Details
Links to resources and additional information about the conversion of Two Rivers business accounts and services to First Mid.

Wealth Management Details
Get answers to frequently asked questions about the conversion of Two Rivers Wealth Management to First Mid Wealth Management.

Health Savings Accounts
Get answers to frequently asked questions about the transfer of your HSA from Two Rivers to a First Mid HSA, powered by Lively®.

































Snapshot of Important Dates and Times



Now - Friday, June 12
  • Continue banking as you normally do.
  • Verify Two Rivers has your updated contact information on file, including your mailing address, email address, and phone number.
  • Add communications@firstmid.com and communications@firstmid.ccsend.com to your email contact list to ensure emails from First Mid land in your inbox.
  • If you currently have a Two Rivers debit card, watch for your new First Mid debit card and activation instructions to arrive in the mail around the end of May.
  • Visit the Personal Banking Services and/or Business Banking Services webpages to download your Readiness Checklist.
  • Plan Ahead for your banking needs over Conversion Weekend, June 12-15, as all Two Rivers banking centers will be closed on Saturday, June 13.
Monday, June 15
  • All Two Rivers locations will reopen as First Mid.
  • Beginning at 7:30 a.m.
    • First Mid Customer Support will be available at 877-888-5629 or through live chat on our website.
  • Beginning at 8:00 a.m.
    • You may log in to First Mid Online and Mobile Banking
    • Your Two Rivers debit card will no longer be active and should be destroyed. Activate and begin using your new First Mid debit card.
Saturday, October 31
  • Two Rivers Trust and Retirement Services will convert to First Mid Wealth Management. Additional information will be provided at a later date if you utilize these services.






















    Questions about the Two Rivers First Mid acquisition?
    You may find your answers below. Should you have questions about your accounts, you may call Two Rivers Bank & Trust at 888-226-6063 or stop by one of the local branches. 
    With each organization having legacies extending greater than a century, there are parallel rich histories of tradition, growth, and a deep commitment to the communities we serve. Placing customers first is at the core of the value system for both community banks. Together, through our shared values and collective resources, we will build on this strong foundation; expanding our products and services to better serve those who value and deserve an authentic community banking experience for generations to come.

    • First Mid Bancshares, Inc. (First Mid) (NASDAQ: FMBH) announced the acquisition intent on October 30, 2025. Read the press release here

    • On February 28, 2026, First Mid Bancshares, Inc. will acquire Two Rivers Financial Group, Inc., signifying the legal and financial transaction between the two holding companies. 
    • Subject to regulatory approval, Two Rivers Bank & Trust will become First Mid Bank & Trust in June 2026.   
    First Mid Bank & Trust, the oldest national bank in Illinois, has proudly served communities since its chartering in 1865. Recognized as one of the nation’s top-performing banks, First Mid was recently named by Forbes among America’s Best Banks (#24) and the Best Banks in Illinois (#2). The bank has also earned a five-star rating from Bauer Financial, been ranked among the Top 100 Community Banks by S&P Global Market Intelligence and has received the Small Business Administration’s Central/Southern Illinois Community Lender of the Year award from the Illinois District Office for multiple consecutive years. 
    Absolutely nothing is changing right now. You should continue to use your existing checks, debit/ATM cards, etc. as you normally do. Prior to the system integration, any changes will be communicated to you. You will continue to receive the same high-quality service before and after the merger.
    First Mid has a like-minded focus on commitment to the communities it serves and is a fit both culturally and strategically for our customers, employees, and shareholders. The merger will create a larger organization that will strengthen the products and services available to our customers. In the future, you will enjoy a broader range of financial solutions including expanded agriculture, insurance, and investment services. The merger will increase your access to banking services through an expanded network of branch and ATM locations. First Mid currently operates over 70 banking centers in Wisconsin, Illinois, Missouri, and Texas.
    First Mid’s branch network is complementary with Two Rivers branch network, and we do not anticipate any banking center closings. 
    Prior to the conversion weekend, Two Rivers Bank & Trust and First Mid Bank & Trust will continue to operate as separate businesses. We do not anticipate any change in our hours. If there are changes of any kind in the future, we will share that information with our customers well in advance.
    First Mid shares our commitment to community investment and community service. First Mid employees are encouraged and empowered to volunteer their time. Last year, First Mid employees donated over 18,000 volunteer hours to their communities.
    Yes, the name will change over conversion weekend, expected to occur in June 2026 subject to regulatory approval. 
    As we get closer to the conversion weekend, more information will be available to you. Until that time, you can learn more about First Mid by visiting www.firstmid.com or by following First Mid Bank & Trust on Facebook.