Community Partners Bancorp is the holding company for Two River Community Bank and The Town Bank (a division of Two River). Through more than a dozen total branches located in eastern New Jersey , the two banks offer deposit services like checking and savings accounts, as well as a variety of lending services, to consumers and small to midsized businesses. The banks' combined loan portfolio consists mainly of commercial real estate loans (about 40%), commercial and industrial loans (25%), and construction loans (20%). Consumer and residential loans make up only about 10% of the portfolio. Two River's branches are located in Middletown, while Town Bank's are located in Westfield and Cranford.