Builtwell Bank
Chattanooga, Tennessee, Hamilton County
$2.3B in total assets, the 557th largest of 4,309 US banks and 10th of 109 headquartered in Tennessee.
- FDIC certificate
- 10307
- Established
- 1904
- Owned by
- Builtwell Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.builtwell.bank
At a glance
Compared with 27 banks headquartered in Tennessee with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.3B | 78% | $1.6B | |
| Loans | $1.6B | 78% | $1.1B | |
| Deposits | $2.0B | 82% | $1.4B | |
| Return on assets | 2.31% | 96% | 1.39% | |
| Net interest margin | 4.80% | 96% | 3.76% | |
| Efficiency ratio | 45.5% | 15% | 56.7% | |
| Equity to assets | 12.04% | 89% | 10.05% | |
| Loans to deposits | 78% | 41% | 82% |
Growth
Total assets grew 11.8% a year over the last 5 years and 9.6% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Aug 2025 | Bank of Cleveland Cleveland, TN, an affiliate under the same holding company | $381M |
| Aug 2022 | First Bank Dalton, GA, an affiliate under the same holding company | $585M |
| Sep 2012 | Gateway Bank & Trust Ringgold, GA, an affiliate under the same holding company | $249M |
| Oct 2008 | Benton Banking Company Benton, TN, an affiliate under the same holding company | $102M |
| Jul 2001 | First Volunteer Bank of East Tennessee Jacksboro, TN, an affiliate under the same holding company | $104M |
| May 2001 | First Volunteer Bank of the Upper Cumberlands Jamestown, TN, an affiliate under the same holding company | $57M |
| Mar 2001 | First Volunteer Bank of Middle Tennessee Lawrenceburg, TN, an affiliate under the same holding company | $56M |
| Apr 2000 | First Volunteer Bank of Southeast Tennessee Etowah, TN, an affiliate under the same holding company | $30M |
| Jan 1999 | Volunteer Bank and Trust Company of Hamilton County Chattanooga, TN, an affiliate under the same holding company | $75M |
Where they operate
36 branches in 14 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Hamilton County, TN | $352M | 2.8% | 8 of 23 |
| Bradley County, TN | $273M | 8.1% | 7 of 13 |
| Whitfield County, GA | $262M | 9.5% | 6 of 10 |
| Catoosa County, GA | $214M | 20.0% | 2 of 7 |
| Campbell County, TN | $149M | 19.7% | 3 of 8 |
| Fentress County, TN | $143M | 27.4% | 2 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 12 branches since 2016 (24 to 36, +50.0%). 1 opened, 11 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 24 | |||
| 2022 | Acquired First Bank | 6 | 0 | +6 | 30 |
| 2023 | Opened Ooltewah | 1 | 0 | +1 | 31 |
| 2025 | Acquired Bank of Cleveland | 5 | 0 | +5 | 36 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 48% | 30% | |
| 1-4 family residential | 22% | 33% | |
| Construction and land | 15% | 11% | |
| Business (C&I) | 8% | 10% | |
| Multifamily | 5% | 4% | |
| Consumer | 1% | 6% | |
| Farmland | 1% | 2% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 43% | 50% | |
| Noninterest-bearing | 31% | 17% | |
| Time deposits | 26% | 34% |
Brokered deposits are 0.0% of deposits (peers 7.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.51% | 0.28% |
| Net charge-offs, annualized | -0.05% | 0.03% |
| Reserves to loans | 1.45% | 1.10% |
| Leverage ratio | 9.71% | 10.20% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Tennessee
Largest competitors in Hamilton County, TN
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/builtwell