Builtwell Bank
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Data as of · sourced from FFIEC call reports. How we update
Builtwell Bank is an FDIC-insured commercial bank headquartered in Chattanooga, TN, established in 1904 (FDIC certificate 10307), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.28B, up 17.3% from Q2 2025, the 10th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 13.73% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10307
- Headquarters
- Chattanooga, TN
- Established
- 1904
- Total assets, Q2 2026
- $2.28B
- Assets vs Q2 2025
- +17.3%
- CET1 ratio, Q2 2026
- 13.73%
- Domestic offices
- 36 FDIC institution directory, current count
- Routing number
- 061303348
- Holding company
- BUILTWELL BANCORP, INC
- Asset rank in state
- 10th of 109 in Tennessee
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%. The figures come from its call report filed with the FFIEC.
Builtwell Bank ranks as the 10th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $2.28B, loans fell 1.1% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 26.1% of total loans, ahead of 1-4 family residential loans at 22.3%. The FDIC Summary of Deposits lists 36 offices for it, in 25 cities across 2 states; its Cleveland 5 offices book 14% of its branch deposits. By the capital ratios in its Q2 2026 call report, Builtwell Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 36 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Builtwell Bank's total assets moved between a low of $1.80B (Q3 2023) and a high of $2.34B (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.28B total assets against $1.95B; $2.01B total liabilities against $1.74B.
$1.53B net loans and leases against $1.24B; $1.99B total deposits against $1.72B.
$302.8M securities against $126.9M; $314.4M cash and balances due against $482.4M.
$33.2M total interest income against $28.9M; $7.4M total interest expense against $7.1M.
$25.8M net interest income against $21.7M.
$4.3M total noninterest income against $3.6M; $14.4M total noninterest expense against $12.0M.
$0 provision for credit losses against $300K.
$12.1M net income against $10.2M.
2.11% return on assets against 2.11%; 4.83% net interest margin against 4.77%.
13.73% CET1 capital ratio against 12.90%; 9.71% tier 1 leverage ratio against 9.09%.
Inside the full Builtwell Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 387 of 3,611, for ROA; its furthest is 1,191 of 2,134, for CET1 ratio.
Banks merged into Builtwell Bank
- Bank of Cleveland, effective August 23, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.03% (Q1 2025) to 2.49% (Q3 2025) and its net interest margin ran from 4.66% (Q1 2025) to 6.48% (Q3 2025).
| 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
View all 36 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired First Volunteer Bank of East Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 27, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in TN, rank 31 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Builtwell Bank headquartered?
It is headquartered in Chattanooga, TN, United States.
When was Builtwell Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Builtwell Bank FDIC-insured?
Yes. It 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.
What is Builtwell Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 3.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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