BlastPoint's Banking Scorecard
Builtwell Bank
Community
Specialty: Commercial
TN
FDIC cert 10307
Chattanooga, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Builtwell Bank shows strong momentum with 3 strengths and 21.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 52% in Community
- + Return on Assets 0.91% above tier
- + Efficiency Ratio 18.25% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+21.3% YoY
-1.3% QoQ
|
+$913.1M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$1.5B
+25.6% YoY
+1.6% QoQ
|
+$565.8M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$2.0B
+22.4% YoY
+1.5% QoQ
|
+$866.5M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
2.07%
-2.8% YoY
+4.3% QoQ
|
+0.91% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.91%
-4.6% YoY
+1.1% QoQ
|
+1.25% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
44.38%
-6.4% YoY
-0.7% QoQ
|
-18.25% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.50%
-1.3% YoY
-3.0% QoQ
|
-0.13% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
75.88%
+2.5% YoY
+0.1% QoQ
|
-7.18% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
29.25%
-8.0% YoY
-0.2% QoQ
|
+8.20% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.34%
+2.2% YoY
-0.1% QoQ
|
-0.16% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
11.95%
-18.2% YoY
-23.0% QoQ
|
+1.70% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.70%
-7.8% YoY
+36.4% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#78 of 150 · Top 52% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
29.25%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.91%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 8%
in Community
Why this stands out
Current:
2.07%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
44.38%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 4.91% · Tier avg: 3.66%
92
92th pctile
Efficiency Ratio
Current: 44.38% · Tier avg: 62.63%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.16%
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.25% · Tier avg: 21.05%
82
82th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.95% · Tier avg: 10.24%
46
46th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
30
30th pctile
Loan-to-Deposit Ratio
Current: 75.88% · Tier avg: 83.06%
Top Weaknesses
30
30th pctile
Loan-to-Deposit Ratio
Current: 75.88% · Tier avg: 83.06%
46
46th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.95% · Tier avg: 10.24%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
82
82th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.25% · Tier avg: 21.05%
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.16%
92
92th pctile
Efficiency Ratio
Current: 44.38% · Tier avg: 62.63%
94
94th pctile
Net Interest Margin
Current: 4.91% · Tier avg: 3.66%