TellerScore

Builtwell Bank (FDIC certificate #10307) is based in Chattanooga, Tennessee. Its Q2 2026 call report shows $2.3B in total assets and $2.0B in deposits and 36 offices across 2 states.

Builtwell Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 40th. Earnings contributes the most (100/100, 2.07%); capital cushion contributes the least (47/100, 9.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.71%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.57%
Earnings100/100
Return on assets (annualized): 2.07%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 76.6% · 35.9% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.99%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (69 → 73), mostly because the loan quality component improved by 8 points.

TellerScore
697478Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202476
Q4 202475
Q1 202569
Q2 202569
Q3 202578
Q4 202570
Q1 202671
Q2 202673
Tier 1 leverage ratio
5.00%8.07%11.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.61%
Q3 20249.93%
Q4 202410.10%
Q1 20258.68%
Q2 20259.09%
Q3 202511.14%
Q4 20258.44%
Q1 20269.13%
Q2 20269.71%
Noncurrent loans
0.38%0.59%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.54%
Q3 20240.38%
Q4 20240.50%
Q1 20250.65%
Q2 20250.80%
Q3 20250.51%
Q4 20250.49%
Q1 20260.51%
Q2 20260.57%
Return on assets
1.98%2.07%2.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.13%
Q3 20242.15%
Q4 20242.13%
Q1 20252.02%
Q2 20252.06%
Q3 20251.98%
Q4 20252.07%
Q1 20262.04%
Q2 20262.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$2.3B9.71%0.57%2.07%76.6%
Q1 202671$2.3B9.13%0.51%2.04%76.6%
Q4 202570$2.3B8.44%0.49%2.07%75.9%
Q3 202578$2.3B11.14%0.51%1.98%75.8%
Q2 202569$1.9B9.09%0.80%2.06%72.1%
Q1 202569$1.9B8.68%0.65%2.02%72.3%
Q4 202475$1.9B10.10%0.50%2.13%74.0%
Q3 202476$1.9B9.93%0.38%2.15%76.0%
Q2 202473$1.8B9.61%0.54%2.13%77.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.71%
29th
Total risk-based capital14.98%
67th
Problem loans0.57%
46th
Net charge-offs-0.05%
98th
Return on assets2.07%
90th
Net interest margin4.80%
93rd
Efficiency ratio45.5%
86th
Loans to deposits76.6%
74th
Uninsured deposits35.9%
36th
Loan-loss reserves1.45%
83rd
Texas ratio3.0%
57th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of TennesseeBank Kingsport, TN67 out of 100, Moderate$2.3B9.6%0.45%vs
Commercial BankBank Harrogate, TN77 out of 100, Strong$2.4B11.6%0.35%vs
Citizens National BankBank Sevierville, TN82 out of 100, Strong$2.0B11.2%0.04%vs
Independent BankBank Memphis, TN67 out of 100, Moderate$1.9B10.6%0.85%vs
Home Federal Bank of TennesseeBank Knoxville, TN57 out of 100, Moderate$2.7B17.2%3.92%vs
Wellworth BankBank Lafayette, TN60 out of 100, Moderate$1.8B9.9%1.39%vs

Deposit insurance

Is my money safe at Builtwell Bank?

Yes. Builtwell Bank is an FDIC-insured institution (FDIC certificate #10307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.9% of deposits ($714.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.71%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.98% (benchmark: 10%).

Check how much of your own balance is covered

36 locations

Branches

Builtwell Bank lists 32 offices in 25 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Builtwell Bank reported 814 home-loan applications under HMDA (LEI 54930095LY1EDFTWAG29): 601 originated ($130,015,000 total), 157 denied, and 49 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Builtwell Bank
Former names
Marion Trust & Banking Company; First Volunteer Bank of Tennessee; First Volunteer Bank; Volunteer Bank & Trust; Marion Trust and Banking Company
Type
State-chartered bank
FDIC certificate #
10307
RSSD ID
234739
Primary regulator
FDIC
Holding company
Builtwell Bcorp Inc
Established
May 3, 1904
Headquarters
728 Broad St, Chattanooga, TN 37402
Employees
325

Quick answers

Builtwell Bank: common questions

Is Builtwell Bank FDIC insured?

Yes. Builtwell Bank is an FDIC-insured institution (FDIC certificate #10307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Builtwell Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Builtwell Bank ever failed?

There is no failure record for FDIC certificate #10307 in the FDIC failed bank list.

How many branches does Builtwell Bank have?

36 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Chattanooga

InstitutionScoreAssetsCapitalProblem loansCompare
First Jackson Bank, Inc.Bank Stevenson, AL93 out of 100, Very strong$444.3M14.8%0.08%vs
Bcbst Employees Credit UnionCredit union Chattanooga, TN90 out of 100, Very strong$8.3M25.6%0.11%vs
Healthcare Services Credit UnionCredit union Chattanooga, TN87 out of 100, Very strong$26.1M15.0%0.03%vs
Walker County Educators Federal Credit UnionCredit union Chickamauga, GA87 out of 100, Very strong$15.1M24.8%0.03%vs
Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN85 out of 100, Very strong$76.0M16.9%0.39%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs