BlastPoint's Banking Scorecard
Builtwell Bank
Designations: ✓ Community bank
Chattanooga, TN
36 branches across TN · GA
Builtwell Bank shows strong momentum with 4 strengths and 19.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 54.6% in tier
- + Return on Assets 0.68% above tier average
- + Efficiency Ratio 15.74% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+19.0% YoY
-0.1% QoQ
|
-$512.9M |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$1.5B
+24.3% YoY
+0.2% QoQ
|
-$419.8M |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$2.0B
+17.4% YoY
-0.6% QoQ
|
-$325.0M |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
60% |
| Return on Assets ? |
2.04%
+1.2% YoY
-1.4% QoQ
|
+0.68% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
Top 8.9% in tier |
| Net Interest Margin ? |
4.74%
+1.2% YoY
-3.5% QoQ
|
+0.92% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 7.8% in tier |
| Efficiency Ratio ? |
45.32%
-2.8% YoY
+2.1% QoQ
|
-15.74% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
Top 11.7% in tier |
| Delinquency Rate ? |
0.52%
-21.4% YoY
+3.4% QoQ
|
-0.37% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
76.55%
+5.9% YoY
+0.9% QoQ
|
-7.65% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
29.38%
-9.0% YoY
+0.5% QoQ
|
+8.09% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.35%
-17.9% YoY
+3.8% QoQ
|
-0.33% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.62%
+4.1% YoY
+5.7% QoQ
|
-2.54% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.18%
+1.3% YoY
-74.2% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
65% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.