Builtwell Bank
Chattanooga, TN · Cert 10307 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Builtwell Bcorp Inc.
State charter, non-member · FDIC · 36 branches
Q2 2026
$2.3BAssets
$1.6BLoans
$2.0BDeposits
$274.9MEquity
Executive Summary
- Strongest standing: return on assets outperforms 94% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
- Widest gap: nonperforming loans / loans trails 45% of banks $1B-$10B in assets operating regionally (rank 81 of 176).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
2.08%
Rank 10 of 176
Net Interest Margin
4.59%
Rank 10 of 176
Efficiency Ratio
47.62%
Rank 26 of 176
Equity / Assets
12.04%
Rank 40 of 176
Non-interest income vs. expense
Unfavorable gap of $39.8M · efficiency ratio beats 86% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.08% | 0.93% | 1.26% | 1.54% | Beats 94% | 10 / 176 | | |
| Return on Equity | 17.32% | 9.26% | 11.89% | 14.46% | Beats 93% | 13 / 176 | | |
| Net Interest Margin | 4.59% | 3.25% | 3.59% | 3.93% | Beats 94% | 10 / 176 | | |
| Efficiency Ratio | 47.62% | 52.79% | 59.55% | 67.66% | Beats 86% | 26 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.30% | 0.64% | 1.32% | Beats 55% | 81 / 176 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 71% | 52 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 13.73% | 11.15% | 12.72% | 14.15% | Beats 69% | 54 / 176 | | |
| Total Risk-Based Capital Ratio | 14.98% | 11.81% | 13.63% | 15.33% | Beats 72% | 49 / 176 | | |
| Equity / Assets | 12.04% | 9.16% | 10.35% | 11.80% | Beats 77% | 40 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.76% | 80.94% | 89.73% | 97.21% | 16th pctl | 148 / 176 | | |
| Loans / Assets | 67.88% | 69.25% | 75.12% | 80.82% | 18th pctl | 144 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |