Builtwell Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 2.45 percentage points in Q2 2026, from 10.81% to 13.26%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Builtwell Bank ranks 5th highest among the 109 banks headquartered in Tennessee, at 2.11% (Q2 2026). Against a median of 1.27% for banks in the $1B-10B asset tier, Builtwell Bank reported 2.11% on return on assets in Q2 2026, 0.84 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.73% |
| Tier 1 risk-based capital ratio | 13.73% |
| Total risk-based capital ratio | 14.98% |
| Tier 1 leverage ratio | 9.71% |
| Equity capital to assets | 12.04% |
| Tangible equity to tangible assets | 9.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.87% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 276.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.11% |
| Return on equity | 17.91% |
| Net interest margin | 4.83% |
| Efficiency ratio | 45.75% |
| Yield on earning assets | 6.22% |
| Cost of funds | 1.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.76% |
| Core deposits to total deposits | 91.43% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.29% |
| Securities to assets | 13.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.78% | 14.78% | 16.04% | 10.06% | 2.22% |
| Q4 2023 | 14.39% | 14.39% | 15.65% | 10.56% | 2.17% |
| Q1 2024 | 12.22% | 12.22% | 13.47% | 9.29% | 2.19% |
| Q2 2024 | 12.73% | 12.73% | 13.98% | 9.61% | 2.14% |
| Q3 2024 | 13.34% | 13.34% | 14.59% | 9.93% | 2.21% |
| Q4 2024 | 14.61% | 14.61% | 15.86% | 10.10% | 2.05% |
| Q1 2025 | 12.12% | 12.12% | 13.38% | 8.68% | 2.03% |
| Q2 2025 | 12.90% | 12.90% | 14.16% | 9.09% | 2.11% |
| Q3 2025 | 15.52% | 15.52% | 16.77% | 11.14% | 2.49% |
| Q4 2025 | 11.95% | 11.95% | 13.20% | 8.44% | 2.31% |
| Q1 2026 | 12.62% | 12.62% | 13.88% | 9.13% | 2.05% |
| Q2 2026 | 13.73% | 13.73% | 14.98% | 9.71% | 2.11% |
Builtwell Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Builtwell Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)