Side-by-side · Q2 2026 data
Builtwell Bank vs River City Bank
Metric by metric
| Measure | Builtwell Bank | River City Bank |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 47 | 51 (stronger) |
| Loan quality | 81 | 100 (stronger) |
| Earnings | 100 (stronger) | 89 |
| Funding & liquidity | 61 (stronger) | 60 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 70th | 68th |
| Total assets | $2.3B | $423.4M |
| Deposits / shares | $2.0B | $380.9M |
| Capital ratio | 9.71% | 10.15% (stronger) |
| Problem loans | 0.57% | 0.00% (stronger) |
| Net charge-offs | -0.05% (stronger) | -0.02% |
| Return on assets | 2.07% (stronger) | 1.71% |
| Loans ÷ deposits | 76.6% (stronger) | 86.2% |
| Uninsured deposits | 35.9% | 27.7% (stronger) |
| Offices | 32 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | 4.1% |
River City Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Builtwell Bank leads on 3 and River City Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.