🏦Bank Scorer

BUILTWELL BANK

CHATTANOOGA, TN · Supervised by FDIC

Est. 1904FDIC #10,307RSSD: FDIC-10307
Part ofFIRST VOLUNTEER CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.04%

Institution Profile

FDIC BankFind

Address

728 Broad St, CHATTANOOGA, TN

County

Hamilton County

Established

May 3, 1904

Total Assets

$2.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.3B

Total Deposits

$2.0B

Net Loans

$1.5B

Net Income

$12M

ROA

2.04%

ROE

18.20%

Risk-Based Capital

13.88%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate26.81%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

31

Branch Deposits

$1.7B

1-Year Change

0

5-year net change: +7 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202469065.36%26.81%
202379167%22.25%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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