Builtwell Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Builtwell Bank of Chattanooga, TN against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.11% | 1.34% | +0.77% | 89th top |
| ROAE | 17.91% | 12.40% | +5.51% | 83rd top |
| Net Interest Margin | 4.83% | 3.83% | +1.00% | 93rd top |
| Efficiency Ratio | 45.75% | 57.84% | -12.09% | 85th top |
| PPNR / Avg Assets | 2.75% | — | — | 91st top |
| Yield on Earning Assets | 6.22% | 5.71% | +0.51% | 83rd top |
| Cost of Funds | 1.33% | 2.02% | -0.69% | 86th top |
| Net Interest Spread | 4.11% | — | — | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.52% | 1.00% | -0.48% | 57th above |
| NPA / Total Assets | 0.36% | — | — | 60th above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 84th top |
| ACL / Total Loans | 1.45% | — | — | 83rd top |
| ACL / NPLs (Coverage) | 276.69% | — | — | 67th above |
| Texas Ratio | 3.29% | 5.47% | -2.18% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.73% | 14.99% | -1.26% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.73% | 15.02% | -1.29% | 53rd above |
| Total Capital Ratio | 14.98% | — | — | 56th above |
| Leverage Ratio | 9.71% | 11.11% | -1.40% | 29th below |
| Equity / Assets | 12.04% | 11.02% | +1.02% | 75th top |
| TCE / Tangible Assets | 9.70% | — | — | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.76% | 86.99% | -9.23% | 74th above |
| Core Deposit Ratio | 91.43% | 85.57% | +5.86% | 65th above |
| Uninsured Deposit Ratio | 35.86% | 33.19% | +2.67% | 36th below |
| Wholesale Funding Ratio | 0.02% | — | — | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.29% | — | — | 88th top |
| Loan Growth (Y/Y) | 22.83% | — | — | 93rd top |
| Deposit Growth (Y/Y) | 15.69% | — | — | 86th top |
See Builtwell Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Builtwell Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Builtwell Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Builtwell Bank peer analysis.