Business & Finance

Keeping Banking Local with Two River Community Bank

Two River Community Bank President and CEO Bill Moss. Credits: Carrie Donzella

SUMMIT, NJ - For the past 12 years, Two River Community Bank has opened its doors to serving and helping people.

After opening in 2000, the New Jersey state-chartered financial institution now has 15 branches located throughout Eastern Monmouth County and in Union County including one in Summit on Deforest Avenue. According to their website, the bank believes “increased shareholder value is achieved by having a culture that puts the customer first and earns their confidence and loyalty through exceptional, friendly and professional service while their employees are provided a stimulating and challenging work environment that encourages development and recognizes excellence.”

William Moss, the President and Chief Executive Officer of the company, said the bank does its best to help serve each customer’s needs. Moss, who has been in the banking industry for 32 years, said there is nothing else he would rather be doing.  

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“It’s been exciting, it’s been stressful, it’s been fun, but very gratifying to be a community banker,” Moss said.

Two River Community Bank is owned by Community Partners Bancorp and Moss is the CEO of that company, as well. However, the two jobs intertwine and he sees them as one large responsibility, he said.  

Moss has been at Two River since its inception and has served in various managerial roles.  He was President and Senior Loan Officer from August 2006 to July 2007; Executive Vice President and Senior Loan Officer from July 2003 to July 2006; and was Senior Vice President and Senior Loan Officer from February 2000 until July 2003.

“I’m a firm believer in the community bank model,” Moss said. “The community bank model is one in which locally managed staff serves the local market place.”

Moss said 60 percent of all loans for $1 million or less are done by community banks. He praised his staff and said they are extremely talented, hands on, dedicated and always give the customer the best opportunity or solution.

He and his co-workers are also involved in several chambers of commerce in their respective towns. By being active in the community, they are able to branch out, network and ultimately get more business, he said. "It is really important to be a part of the Chamber," Moss said.

While Moss always dreamed of being in the industry, he never envisioned he would be where he is today. After starting out with larger banks like Midlantic National Bank, he realized they could not provide the level of service that a community bank does.

“I’m very proud and honored to be the President and CEO of this bank,” he said.

Editor's Note: Two River Community Bank is an advertiser on For advertising information, please call 908-279-0303 or email

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