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Builtwell Bank
Chattanooga, TN · FDIC Certificate #10307 · Chartered 05/0
Total assets
$2.28B
Total deposits
$1.99B
Total equity
$274.93M
Net loans
$1.53B
Branches (offices)
36
Net income (YTD)
$23.81M
Rank: #544 of 4,213 U.S. banks by assets · #10 of 109 in Tennessee. Assets changed 17.3% and deposits 15.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.07% |
| Return on equity | 18.04% |
| Net interest margin (YTD) | 4.80% |
| Equity to assets | 12.04% |
| Tier 1 leverage ratio | 9.71% |
| Uninsured deposits (share of deposits) | 35.9% |
| Noncurrent loans (share of loans) | 0.57% |
| Net charge-offs (share of loans) | -0.05% |
| Loans to deposits | 76.6% |
| Real estate loans (share of loans) | 92.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.42B | 92.7% | |
| Commercial & industrial | $116.44M | 7.6% | |
| Consumer / individual | $21.55M | 1.4% | |
| Construction & development | $236.67M | 15.5% | |
| Agricultural | $127.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.40B | $1.27B | $8.38M | $118.94M |
| Jun 2023 | $1.79B | $1.58B | $15.43M | $200.96M |
| Jun 2024 | $1.83B | $1.61B | $19.29M | $205.47M |
| Jun 2025 | $1.95B | $1.72B | $19.86M | $208.04M |
| Jun 2026 | $2.28B | $1.99B | $23.81M | $274.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $1.42B | 27 |
| Georgia | $575.37M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.99B.
Similar-sized banks
Central Bank ($2.29B) · Queensborough National Bank & Trust Company ($2.28B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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