Builtwell Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Builtwell Bank earns an unusually wide margin on its lending. It reported $2.3 billion in assets at June 30, 2026, up 17.3% from a year earlier. It keeps 4.83 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also grew its loan book 22.8% over the year, 3.9 times the median of 5.9% for banks its size.
Net income for the quarter rose 18% from a year earlier, to $12 million. Over the same year, loans grew 22.8% and deposits grew 15.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Builtwell Bank reported a CET1 capital ratio of 13.73%, a return on assets of 2.11%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 3.29%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 728 Broad St, Chattanooga, TN 37402
- County
- Hamilton
- Metro Area
- Chattanooga, TN-GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 3, 1904
- Former names
- First Volunteer Bank (2012-2022); First Volunteer Bank of Tennessee (1999-2012); Volunteer Bank & Trust (1999); Marion Trust & Banking Company (1971-1999)
- Offices
- 36 domestic
- Employees (FTE)
- 325
- Domestic deposits
- $1.99B
- Allowance for credit losses
- $22.5M
- Net charge-offs (YTD)
- -$378K
- Average total assets
- $2.28B
- Average total loans
- $1.56B
- Average interest-bearing deposits
- $1.63B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10307
- Fed RSSD
- 234739
- Website
- www.builtwell.bank →
- Parent Holding Company
- BUILTWELL BANCORP, INC (RSSD 1081716)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Builtwell Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Builtwell Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Builtwell Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Builtwell Bank
- Bank of Cleveland, effective August 23, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.73% | 2.11% | 0.57% | 3.29% | 4.83% |
| Q1 2026 | 12.62% | 2.05% | 0.51% | 3.06% | 4.71% |
| Q4 2025 | 11.95% | 2.31% | 0.49% | 3.06% | 4.95% |
| Q3 2025 | 15.52% | 2.49% | 0.51% | 2.41% | 6.48% |
| Q2 2025 | 12.90% | 2.11% | 0.80% | 4.63% | 4.77% |
| Q1 2025 | 12.12% | 2.03% | 0.65% | 3.82% | 4.66% |
| Q4 2024 | 14.61% | 2.05% | 0.50% | 2.83% | 4.96% |
| Q3 2024 | 13.34% | 2.21% | 0.38% | 2.23% | 5.18% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 36 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ringgold Branch | Ringgold , GA | 30736 | $170.3M |
| Hamilton Branch | Dalton , GA | 30720 | $164.4M |
| Bank of Cleveland Bank Branch | Cleveland , TN | 37311 | $141.6M |
| Builtwell Bank (main office) | Chattanooga , TN | 37402 | $117.1M |
| Jacksboro Branch | Jacksboro , TN | 37757 | $111.1M |
| Jamestown Branch | Jamestown , TN | 38556 | $94.1M |
| Benton Branch | Benton , TN | 37307 | $88.7M |
| Calhoun Branch | Calhoun , GA | 30701 | $79.0M |
| Gunbarrel Branch | Chattanooga , TN | 37421 | $77.7M |
| Bradley Square Mall Branch | Cleveland , TN | 37312 | $75.6M |
| Walnut Avenue Branch | Dalton , GA | 30721 | $69.7M |
| Hixson Branch | Hixson , TN | 37343 | $65.1M |
| North Locust Branch | Lawrenceburg , TN | 38464 | $64.8M |
| Etowah Branch | Etowah , TN | 37331 | $63.8M |
| Jasper Branch | Jasper , TN | 37347 | $63.3M |
| Clarkrange Branch | Clarkrange , TN | 38553 | $48.5M |
| Fort Oglethorpe Branch | Fort Oglethorpe , GA | 30742 | $43.4M |
| 25th Street Branch | Cleveland , TN | 37311 | $42.4M |
| Monterey Branch | Monterey , TN | 38574 | $38.7M |
| South Pittsburg Branch | South Pittsburg , TN | 37380 | $36.9M |
| Shallowford Branch | Chattanooga , TN | 37421 | $35.1M |
| Whitwell Branch | Whitwell , TN | 37397 | $34.5M |
| Summertown Branch | Summertown , TN | 38483 | $31.4M |
| Highway 58 Branch | Chattanooga , TN | 37416 | $31.3M |
| Callahan Branch | Knoxville , TN | 37912 | $27.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 23, 2025 | Structure Change | Acquired Bank of Cleveland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 22, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 20, 2022 | Structure Change | Acquired First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 19, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 17, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 15, 2012 | Structure Change | Acquired Gateway Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 20, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 20, 2008 | Structure Change | Acquired Benton Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 27, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 27, 2001 | Structure Change | Acquired First Volunteer Bank of East Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 18, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 2001 | Structure Change | Acquired First Volunteer Bank of the Upper Cumberlands Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 10, 2001 | Structure Change | Acquired First Volunteer Bank of Middle Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 9, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 22, 2000 | Structure Change | Acquired First Volunteer Bank of Southeast Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 21, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Structure Change | Acquired Volunteer Bank and Trust Company of Hamilton County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 18 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Builtwell Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in TN, rank 31 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $807K approved, $807K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Builtwell Bank
What are Builtwell Bank's total assets?
As of the Q2 2026 filing, Builtwell Bank reported total assets of $2.28 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Builtwell Bank headquartered?
Builtwell Bank is headquartered in Chattanooga, TN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Builtwell Bank founded?
Builtwell Bank was established in 1904, per the FDIC institution directory.
Is Builtwell Bank FDIC-insured?
Yes. Builtwell Bank is an FDIC-insured commercial bank (FDIC Certificate #10307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Builtwell Bank?
Builtwell Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Builtwell Bank's CET1 capital ratio?
Builtwell Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Builtwell Bank operate?
Builtwell Bank operates 36 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Builtwell Bank's Texas Ratio?
Builtwell Bank's Texas Ratio is 3.29% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Builtwell Bank previously called?
The charter now named Builtwell Bank has also operated as First Volunteer Bank (2012-2022), First Volunteer Bank of Tennessee (1999-2012), Volunteer Bank & Trust (1999), Marion Trust & Banking Company (1971-1999), per FDIC structure-change records.
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