I think the context that's important here are two things:
- when was the city built, where, and why (time period, reason, cultural differences)?
- what fits that time period, location and reason?
If a city/town was originally built to defend this river area there's probably gonna be some kind of settlement where the rivers meet and roads will be altered to fit the location of the settlement (instead of the other way around). The industrial area would then be built way later and further away from the settlement, but near a rail or water connection. More modern ones tend to be near highways. If a city/town developed from a smaller farm settlement it's more likely to be at a crossroads. A fishing village is going to be near the river as well, but will probably also be at an already existing road.
If it's a modern development it'd probably make sense to build near infrastructure that already exists, as well as minimizing extra costs (for example by minimizing the amount of new bridges).