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Builtwell Bank

$1B-$10B Specialty: Commercial TN FDIC cert 10307

Designations: ✓ Community bank

Chattanooga, TN

36 branches across TN · GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
  • Deposits +15.7% year over year ($2.0B on the books).
  • Delinquency rate 0.58%.
  • Return on assets 2.07%.
  • Efficiency ratio 45.54% vs a 59.73% peer average.
  • Loan-to-deposit ratio 76.64% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in TN
View $1B-$10B leaderboard (TN) →

Builtwell Bank shows strong momentum with 4 strengths and 17.3% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 50.0% in tier
  • + Return on Assets 0.68% above tier average
  • + Efficiency Ratio 14.19% below tier average
  • + Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Builtwell Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $2.3B
+17.3% YoY -0.8% QoQ
-$509.2M $2.8B
-0.6% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $1.5B
+22.9% YoY -1.1% QoQ
-$435.3M $2.0B
-0.3% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
54%
Total Deposits ? $2.0B
+15.7% YoY -1.2% QoQ
-$325.1M $2.3B
-0.5% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 2.07%
+0.6% YoY +1.5% QoQ
+0.68% 1.39%
+17.0% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
Top 9.8% in tier
Net Interest Margin ? 4.80%
+1.3% YoY +1.3% QoQ
+0.93% 3.87%
+6.2% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
Top 7.6% in tier
Efficiency Ratio ? 45.54%
-2.8% YoY +0.5% QoQ
-14.19% 59.73%
-12.6% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
Top 12.9% in tier
Delinquency Rate ? 0.58%
-28.4% YoY +12.3% QoQ
-0.28% 0.87%
+11.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
46%
Loan-to-Deposit Ratio ? 76.64%
+6.2% YoY +0.1% QoQ
-8.40% 85.04%
-0.1% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
75%
Non-Interest-Bearing Deposit Share ? 30.56%
-1.3% YoY +4.0% QoQ
+9.28% 21.27%
-1.5% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
Top 14.5% in tier
Nonperforming Asset Ratio ? 0.39%
-25.0% YoY +12.0% QoQ
-0.28% 0.67%
+11.7% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 13.73%
+6.4% YoY +8.7% QoQ
-1.12% 14.84%
-0.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
60%
Non-Interest Income / Assets ? 0.37%
+3.0% YoY +105.3% QoQ
-0.16% 0.53%
+2.5% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
66%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 30.6%
-0.4pp YoY
+1.2pp QoQ
 +9.2pp 21.4% 18.8% 22.2% 85%
Brokered Deposits n/a n/a 9.5% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 7.6%
+0.6pp YoY
+0.2pp QoQ
 -6.4pp 14.0% 10.9% 12.5% 31%
CRE 69.1%
-2.6pp YoY
-0.2pp QoQ
 +19.1pp 50.0% 42.4% 41.4% 87%
1-4 Family 22.6%
+2.8pp YoY
+0.1pp QoQ
 -3.8pp 26.4% 39.8% 31.3% 49%
Consumer 1.4%
-0.5pp YoY
-0.1pp QoQ
 -3.3pp 4.7% 4.5% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 13.7%
+0.8pp YoY
+1.1pp QoQ
 -1.9pp 15.6% 14.8% 19.7% 54%
Leverage Ratio 9.7%
+0.6pp YoY
+0.6pp QoQ
 -1.6pp 11.3% 11.4% 12.6% 29%
Total Capital Ratio 15.0%
+0.8pp YoY
+1.1pp QoQ
 -1.7pp 16.7% 15.9% 20.8% 56%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 325
+39 (+13.6%) YoY
-3 (-0.9%) QoQ
 +11 313 270 482 69%
Assets per Employee ($) $7.0M
+3.2% YoY
+0.1% QoQ
 -$3.5M $10.5M $7.1M $8.8M 24%
Branch Count 36
+5 (+16.1%) YoY
0 QoQ
 +16 20 17 18 87%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 70%
Nonaccrual 0.5%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 0.8% 0.7% 1.0% 50%
Allowance Coverage 2.53x
+35.0% YoY
-10.0% QoQ
 -16.18x 18.71x 28.97x 20.23x 58%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 2%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 18.0%
-0.8pp YoY
-0.2pp QoQ
 +5.4pp 12.6% 10.9% 11.6% 86%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.9% 2.0% 1.7% 18%
Net Income ($, YTD) $23.8M
+19.9% YoY
— QoQ
 +$4.6M $19.2M $16.7M $40.4M 75%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#41 of 80 • Top 50.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 30.56%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.80%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

68
Net Interest Margin
profitability
Value: 4.80%
Peer Median: 3.87%
#68 of 885 Top 7.6% in $1B-$10B
88
Return on Assets
profitability
Value: 2.07%
Peer Median: 1.39%
#88 of 885 Top 9.8% in $1B-$10B
115
Efficiency Ratio
profitability
Value: 45.54%
Peer Median: 59.73%
#115 of 885 Top 12.9% in $1B-$10B
129
Non-Interest-Bearing Deposit Share
funding
Value: 30.56%
Peer Median: 21.27%
#129 of 885 Top 14.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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