Side-by-side · Q2 2026 data
Builtwell Bank vs Citizens Tri-County Bank
Metric by metric
| Measure | Builtwell Bank | Citizens Tri-County Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 47 (stronger) | 43 |
| Loan quality | 81 (stronger) | 75 |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 61 | 75 (stronger) |
| Problem-loan coverage | 94 (stronger) | 86 |
| Peer percentile | 70th | 58th |
| Total assets | $2.3B | $1.6B |
| Deposits / shares | $2.0B | $1.5B |
| Capital ratio | 9.71% (stronger) | 9.34% |
| Problem loans | 0.57% (stronger) | 0.75% |
| Net charge-offs | -0.05% (stronger) | 0.05% |
| Return on assets | 2.07% (stronger) | 1.85% |
| Loans ÷ deposits | 76.6% | 71.6% (stronger) |
| Uninsured deposits | 35.9% | 27.3% (stronger) |
| Offices | 32 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | 11.3% |
Builtwell Bank has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Builtwell Bank leads on 5 and Citizens Tri-County Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Jasper, TN
- South Pittsburg, TN
- Whitwell, TN