Builtwell Bank: how it compares with its peers
Against 18 TN banks with half to twice its assets, Builtwell Bank's strongest measure in Q2 2026 is net interest margin (4.80% vs. a 3.82% peer median). Its weakest relative measure is assets per employee ($7.0M vs. $8.1M).
| Measure | Builtwell Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.07% | 1.70% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.80% | 3.82% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.54% | 55.03% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $8.1M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.64% | 81.43% | Context |
What it means for lending operations
Its efficiency ratio of 45.54% is better than the 55.03% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Tennessee Kingsport, TN · $2.25B
- Commercial Bank Harrogate, TN · $2.36B
- Citizens National Bank Sevierville, TN · $1.96B
- Independent Bank Memphis, TN · $1.85B
- Home Federal Bank of Tennessee Knoxville, TN · $2.73B
- Wellworth Bank Lafayette, TN · $1.84B
Questions about Builtwell Bank
How big is Builtwell Bank?
Builtwell Bank, established in 1904, is headquartered in Chattanooga, TN. It reported $2.28B in total assets in its Q2 2026 FDIC call report and operates 36 offices.
What is Builtwell Bank's return on assets?
2.07% annualized in Q2 2026, against a 1.70% median for 18 TN banks with half to twice its assets, ahead of 83% of them.
What is Builtwell Bank's efficiency ratio?
45.54% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 55.03%, and lower is better.
Is Builtwell Bank growing its loans?
Net loans grew 22.9% over the year to Q2 2026, while deposits grew 15.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.