# BUILTWELL BANK
CHATTANOOGA, TN · FDIC certificate 10307 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.28B | |
| Deposits | $1.99B | |
| Loans and leases | $1.55B | |
| Total equity | $274.9M | |
| Loans / deposits | 76.64% (p26 of band) | 87.10% |
| Liquid assets / assets | 27.02% (p70 of band) | |
| Uninsured deposits / deposits | 35.86% (p64 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.02% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.71% (p29 of band) | 10.50% |
| Unrealized securities loss / equity | -0.14% (p96 of band) | -7.75% |
| AOCI / equity | -0.78% (p24 of band) | |
| ROA (annualized) | 2.07% (p90 of band) | 1.26% |
| Net interest margin | 4.80% (p93 of band) | 3.70% |
| Efficiency ratio | 45.54% (p14 of band) | |
| Noncurrent loans | 0.57% (p55 of band) | 0.51% |
| Net charge-offs (annualized) | -0.03% (p2 of band) | |
| Reserve coverage of noncurrent | 252.55% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 86.08% (p81 of band) | |
| Auto loans | $8.1M (0.52% of loans; DQ 1.93%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 15.7% | |
| Employees | 325 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 1 |  | reserve under noncurrent |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | construction >100% equity |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | construction >100% equity |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 0 |  | construction >100% equity |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | deposits shrinking, assets shrinking |  |
| 2023-12 | 0 |  | deposits shrinking, assets shrinking |
| 2024-03 | 1 | construction >100% equity |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | construction >100% equity |
| 2025-03 | 1 | construction >100% equity |  |
| 2025-06 | 0 |  | construction >100% equity |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | construction >100% equity |  |
| 2026-03 | 0 |  | construction >100% equity |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-03 [Face value: The evolving role of the local bank branch - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxQem9tWEVCS3A4NFdjVmwtRFQxdG9jRU94aXVOdjZERmZ2SG9YVmxyYjcyYV82VnUxcDRMWl9wSkFfUGRtR2J4d2xCSTZ6X0tCLWxFMWM1SEdIZ2hMaXg0RWtDMWdMOGlOeXJDN2NOOGlHZUhtWkpXekgyZzAxSV9tZkg3OGtwSVpZem1HQklrSExWc0paU2NLc2o2RQ?oc=5) · Chattanooga Times Free Press
- 2024-09-05 [Builtwell Bank acquires Bank of Cleveland - Cleveland Daily Banner](https://news.google.com/rss/articles/CBMixwFBVV95cUxQMTBoNkFKbzJCMzNxa3I0T3FVXzVCUERfbTctMTkzbkFRMVV2cTdVbEwyNlR4MHFveGFKZGw2Y1VIc0JJT1ZBaEFtTnBYMXh3enVkRVRWN0I0WTJFVXRPMDJ5aDdpN2xfby1iZ00tUXJqSW0wQnRkLU96N2dJeEJiczY4bW5Ra1BlTFBYSUZjMVJ0bWtRa2RRZGxxWUw1VWFwcTVPc3lEaXlOUVp3Tnd6NjBDUU1ydXkwZTJoaDZHZzVBYlRPMWJF?oc=5) · Cleveland Daily Banner
- 2022-08-21 [First Bank Of Dalton Is Now Builtwell Bank - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikgFBVV95cUxPTmhoU0dZWG5Oc1RaUjl2TUVYTlhqeTgxNUZvUU9hTU1GQkhlQk5VSzQwdkpmMElsUUMydFhyOGw2UnNPZHJkMXlnYkFTc1M1T0o4bUU4VkpwXzU0V1FoRm1IbXJxd3QxX3R1ZWJFT05scm55V2V3elF0TXZhY1FUSU9iZkQwc1kyZExrOGE0UG5LZw?oc=5) · Chattanoogan.com Breaking News
- 2022-11-28 [Builtwell Bank to add Ooltewah branch - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMijwFBVV95cUxQUm9KbWV5WkpReVZBWGdDOHRFdFUwdWFQVmFSWHE2YWNGZmFJSm5nY1hid0lBWGVtaDlSNDNockpJci1WMG90OWd6aUZKVmViQUNKai1XTUVuVHVjdFY3djBiNElVcU5pck01N3J3MDdvT3ZMWnNTZWU3U05jREExOWpkZnJjNGstYzNnYVNMdw?oc=5) · Chattanooga Times Free Press
- 2022-08-01 [First Volunteer Bank Has Rebranded To Builtwell Bank - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikAFBVV95cUxQcFhTNnJtS1g3cnViWWdoaW0xcWN3SzRYcXV6Zkphamd5YmVIY0N2eXgxQWNjalNHQWJiSjR1eHk3U3RJM20xRTRuejl5cFh4b1BQa0xvVzJOelJtYkJVWW5RWHhRQ2hObEZzU0JvWHhCZ3lyX0NwV2lPdldMLTRISWRhclV4WXpycUpxdkRDTzE?oc=5) · Chattanoogan.com Breaking News
- 2024-10-17 [Chattanooga-based Builtwell Bank to acquire Bank of Cleveland - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMingFBVV95cUxPRWNueTlianptVlRvS1lxT1lkMzZ6QktiM3ZpYnJGZ3d5V1FyTjFlVU5XQlVPdU01SXZwc2FvZ2xONzJmbWFOei1SdTlzdDctUmJfbG9uUEp3azN0a2VDTmpQMEU4ZC1ONzJGUng3eDJJRHhUaHk4bC1mR0NfVTNCTGd5LXZENklMWmdoUC1tNUltTGRBWlIzWHRxYzlLdw?oc=5) · Chattanooga Times Free Press
- 2022-11-04 [Builtwell Bank Announces Executive Team Expansion - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMilAFBVV95cUxOMlp5Q3VDSDAwUG5VQ0ZrMzhiRERVWVBDUWhtbkN6ZW03NW1VY2UzTW4zblVCaWgwNXpYTzZOS2puWmRqUF9xMUZHSUY1b1EtdE85eDBDajM1d0g0M1dIbG5JaG8zS3p6TVJuejcxeEdpN0oycjJSczBRWGZOclNqQTRZbUR4eGpIUzF6S243ODlCSDZn?oc=5) · Chattanoogan.com Breaking News
- 2022-10-01 [The Brand: Chattanooga-headquartered Builtwell Bank builds on 118-year foundation - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMilwFBVV95cUxNQjd3WFBiRTNVTXp0akFGUkNLd0hialZIQ3JFbk1Qd1QwcHA2RV82OTdNcHh1WHJtbDRIYXVKYlk5a3Z5aWNwMkNPRlJtR0t6N3A1ekpqOXNlQW1GaHhnRGluT1pMRkd1ck9BTllUX2VscWZlY0pmTmtodWROMnpVYm5fdWV6ckgtQVdLc2U4Z20ycE5GRnFZ?oc=5) · Chattanooga Times Free Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10307 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "10307", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide