Builtwell Bank
Chattanooga, TN
IDRSSD: 234739
Total Assets
$2.30B
Latest filing
Total Deposits
$2.03B
Latest filing
Net Interest Margin
5.04%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061303348CHATTANOOGA, TN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Builtwell Bank
728 Broad St
Chattanooga, TN 37402
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/03/1904FDIC Certificate 6601
Branches (35)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| Builtwell Bank (Main) | 728 Broad St | Chattanooga, TN |
| JAMESTOWN BRANCH | 318 N Main St | Jamestown, TN |
| ETOWAH BRANCH | 515 N Tennessee Ave | Etowah, TN |
| JASPER BRANCH | 105 Betsy Pack Dr | Jasper, TN |
| LAFOLLETTE BRANCH | 244 E Central Ave | La Follette, TN |
| MONTEREY BRANCH | 210 E Commercial Ave | Monterey, TN |
| WHITWELL BRANCH | 13108 Highway 28 | Whitwell, TN |
| SOUTH PITTSBURG BRANCH | 13108 Highway 28 | South Pittsburg, TN |
Showing 7 of 35
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/03/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37402 |
| State and County Number | 47065 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Chattanooga, TN-GA |
Operational Info
| Number of Employees | 340 |
| Domestic Offices | 36 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/22/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.builtwell.bank |
| Data Updated | 01/30/2026 |
| CERT | 10307 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.30B |
| Total Deposits | $2.03B |
| Total Liabilities | $2.05B |
| Total Equity Capital | $253.26M |
| Net Income | $13.42M |
| Net Loans and Leases | $1.54B |
| Assets Per Employee ($Millions) | $6.9M |
| Bank Premises and Fixed Assets | $35.80M |
| Cash and Balances due from Depository Institutions | $400.80M |
| Deposits Held in Domestic Offices | $2.03B |
Key Performance Ratios
| Return on Assets (ROA) | 2.31% |
| Return on Equity (ROE) | 18.89% |
| Net Interest Margin | 5.04% |
| Efficiency Ratio | 43.42% |
| Tier 1 Risk-Based Capital Ratio | 11.946% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.989% |
| Earning Assets to total Assets | 92.5% |
Income and Expense
| Total Interest Income | $35.44M |
| Total Noninterest Income | $4.13M |
| Total Interest Expense | $8.41M |
| Total Noninterest Expense | $14.15M |
| Net Interest Income | $27.03M |
| Pre-tax Net Operating Income | $17.06M |
| Provision for Credit Losses | $-51,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.46M |
| Federal Funds Purchased and Repurchased Agreement | $693.00k |
| All Other Liabilities | $19.55M |
| Total Liabilities and Capital | $2.30B |
Securities
| Securities | $217.36M |
| Available-for-sale debt securities | $217.36M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Builtwell Bank?
$2.30B as of the latest filing.
How much are Builtwell Bank's total deposits?
$2.03B in total deposits.
Where is Builtwell Bank located?
Chattanooga, TN.
What is the Net Interest Margin?
5.04%.
How many domestic offices does it operate?
36.
When was it established?
05/03/1904.
What is the Return on Assets (ROA)?
2.31%.
How much are total loans and leases?
$1.54B (latest filing).
What is the total interest income (latest filing)?
$35.44M.