Side-by-side · Q2 2026 data
Builtwell Bank vs SmartBank
Metric by metric
| Measure | Builtwell Bank | SmartBank |
|---|---|---|
| TellerScore | 73 (stronger) | 66 |
| Capital cushion | 47 | 49 (stronger) |
| Loan quality | 81 | 92 (stronger) |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 61 (stronger) | 38 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 70th | 40th |
| Total assets | $2.3B | $6.1B |
| Deposits / shares | $2.0B | $5.4B |
| Capital ratio | 9.71% | 9.86% (stronger) |
| Problem loans | 0.57% | 0.24% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.03% |
| Return on assets | 2.07% (stronger) | 1.12% |
| Loans ÷ deposits | 76.6% (stronger) | 86.2% |
| Uninsured deposits | 35.9% (stronger) | 47.9% |
| Offices | 32 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | 12.9% |
Builtwell Bank has the higher TellerScore (73 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Builtwell Bank leads on 5 and SmartBank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.