Side-by-side · Q2 2026 data
Mountain Valley Bank vs Builtwell Bank
Metric by metric
| Measure | Mountain Valley Bank | Builtwell Bank |
|---|---|---|
| TellerScore | 62 | 73 (stronger) |
| Capital cushion | 50 (stronger) | 47 |
| Loan quality | 82 (stronger) | 81 |
| Earnings | 40 | 100 (stronger) |
| Funding & liquidity | 60 | 61 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 22nd | 70th |
| Total assets | $254.6M | $2.3B |
| Deposits / shares | $198.9M | $2.0B |
| Capital ratio | 10.02% (stronger) | 9.71% |
| Problem loans | 0.54% (stronger) | 0.57% |
| Net charge-offs | 0.41% | -0.05% (stronger) |
| Return on assets | 0.51% | 2.07% (stronger) |
| Loans ÷ deposits | 100.7% | 76.6% (stronger) |
| Uninsured deposits | 13.5% (stronger) | 35.9% |
| Offices | 4 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.5% |
Builtwell Bank has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Mountain Valley Bank leads on 3 and Builtwell 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.
Where both have branches
- Jasper, TN
- Ooltewah, TN