Builtwell Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 176.8% higher than in Q1 2026, at $4.9M. Within Tennessee, Builtwell Bank is 70th of 109 on loan-to-deposit ratio, 77.76% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Builtwell Bank sits 10.44 points lower, at 77.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.55B |
| Net loans and leases | $1.53B |
| Loans held for sale | $4.9M |
| Loans to total assets | 67.88% |
| Loan-to-deposit ratio | 77.76% |
| Net loans to equity capital | 5.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.84% |
| Multifamily (5+ residential) | 4.87% |
| Commercial and industrial | 7.49% |
| Consumer | 1.39% |
| Credit cards | 0.15% |
| Farm | 0.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 300.33% |
| Construction concentration (Tier 1 capital + allowance) | 99.21% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.04% |
| Interest income on loans | $27.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.22B | $1.58B | 52.10% | 7.51% | 2.42% |
| Q4 2023 | $1.24B | $1.56B | 51.88% | 7.89% | 2.27% |
| Q1 2024 | $1.25B | $1.59B | 51.12% | 7.77% | 2.21% |
| Q2 2024 | $1.27B | $1.61B | 51.44% | 7.57% | 2.09% |
| Q3 2024 | $1.28B | $1.66B | 51.55% | 7.45% | 2.03% |
| Q4 2024 | $1.25B | $1.66B | 51.04% | 7.70% | 2.09% |
| Q1 2025 | $1.26B | $1.72B | 52.28% | 7.19% | 1.90% |
| Q2 2025 | $1.26B | $1.72B | 52.12% | 6.90% | 1.89% |
| Q3 2025 | $1.54B | $2.00B | 49.68% | 6.77% | 1.54% |
| Q4 2025 | $1.56B | $2.03B | 48.18% | 7.46% | 1.52% |
| Q1 2026 | $1.57B | $2.02B | 49.11% | 7.33% | 1.48% |
| Q2 2026 | $1.55B | $1.99B | 47.84% | 7.49% | 1.39% |
Builtwell Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Builtwell Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Builtwell Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10307) · FFIEC NIC profile (RSSD 234739)