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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Tennessee, the state note

Builtwell Bank

Chattanooga, Tennessee · $2.28B in assets · beside the 11 other Tennessee banks between $1B and $3B

The filing

+22.8%
Loans, year over year
1st of 12, largest first
12.0%
Equity / assets
2nd of 12
2.08%
ROA
2nd of 12

Builtwell Bank is the third largest of the 12 Tennessee banks nearest its size between $1B and $3B, with $2.28B in assets at 30 June 2026. Loans are 77.8% of deposits, 7th of 12 against a median of 77.5%, and equity is 12.0% of assets, 2nd of 12. Loans grew +22.8% in the year, the fastest in the cohort, and deposits grew 15.7%; the cohort's median loan growth is +7.1%.

Noncurrent loans are 0.57% of the book, 8th of 12 against a median of 0.40%; 0.65% is 30 to 89 days past due, and the allowance covers them 2.5 times. Commercial real estate is 46.2% of loans, 10th of 12 against a median of 37.7%, and 304% of capital, above the 300% screen, with construction at 100% against the 100% screen.

Return on assets is 2.08%, 2nd of 12 against a median of 1.67%, on an efficiency ratio of 47.6%, 4th of 12. Five years ago it was 1.41%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 21.9% of loans).

Return on assetsTN banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.67% OB One Bank of Tennessee 2.16% BB Builtwell Bank 2.08% CN Citizens National Bank 2.00% CB Commercial Bank 1.87% CT Citizens Tri-county Bank 1.81% Bo Bank of Tennessee 1.76% SB Security Bank & Trust Co. 1.58% FN First National Bank of Pulaski 1.38% IB Independent Bank 1.30% WB Wellworth Bank 1.28% FF First Farmers & Merchants Bank 1.24% HF Home Federal Bank of Tennessee 0.31%
Loans, year over yearTN banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.1% BB Builtwell Bank +22.8% SB Security Bank & Trust Co. +19.3% Bo Bank of Tennessee +16.1% HF Home Federal Bank of Tennessee +13.7% CT Citizens Tri-county Bank +9.8% CB Commercial Bank +8.4% WB Wellworth Bank +5.7% CN Citizens National Bank +4.3% IB Independent Bank +3.6% FN First National Bank of Pulaski +3.4% FF First Farmers & Merchants Bank +3.3% OB One Bank of Tennessee +1.6%

SBA 7(a), FY2008 to FY2026

Builtwell Bank is the 50th largest 7(a) lender into Georgia of 409, with $92M across 87 loans, 0.5% of everything approved in the state (Metro City Bank leads with $1.91B). 21 of its 24 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Whitfield, GA$32M1st of 4520.8%-15.5 pts
Gordon, GA$31M2nd of 4414.5%quiet FY2022
Hamilton, TN$15M6th of 1063.3%-0.1 pts
Murray, GA$11M2nd of 2415.3%quiet FY2021
Catoosa, GA$5M2nd of 359.7%quiet FY2022
Bradley, TN$5M4th of 446.8%quiet FY2012
Walker, GA$3M6th of 274.8%quiet FY2022
Dade, GA$3M1st of 1033.0%-11.7 pts
Polk, TN$2M4th of 146.9%quiet FY2010
Gilmer, GA$2M18th of 341.4%quiet FY2021
Fannin, GA$1M8th of 244.0%quiet FY2021
Knox, TN$1M65th of 1240.3%quiet FY2014
Cobb, GA$1M119th of 1820.1%quiet FY2021
11 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing19$30M25.3%0.07%228th of 2,246
Retail trade32$17M14.6%0.03%344th of 2,589
Accommodation & food services15$16M13.6%0.02%434th of 2,596
Health care & social assistance12$12M10.1%0.03%351st of 2,172
Wholesale trade15$9M7.8%0.04%310th of 1,651
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and Builtwell Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans BB Builtwell Bank 0.5% $92M · 87 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Builtwell BankRankCohort median
Total CRE against capital, the 300% screen304%9th of 12226%
Construction against capital, the 100% screen100%10th of 1272%
Construction and land development, share of loans15.3%10th of 1211.4%
Non-owner-occupied nonfarm nonresidential, share of loans26.1%9th of 1217.7%
Total CRE, the guidance definition, share of loans46.2%10th of 1237.7%
CRE growth over 36 months, the third prong+35.5%8th of 12+25.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Home Federal Bank of Tennessee$2.73B0.3%83.7%3.92%0.03%0.9%70.4%16.8%
Commercial Bank$2.36B1.9%42.4%0.35%-0.01%1.0%101.2%11.1%
Builtwell Bank$2.28B2.1%47.6%0.57%-0.05%1.5%77.8%12.0%
Bank of Tennessee$2.25B1.8%56.7%0.45%0.01%0.9%100.8%8.8%
Citizens National Bank$1.96B2.0%42.7%0.04%0.00%1.2%76.4%9.8%
Independent Bank$1.85B1.3%60.7%0.85%0.36%1.1%82.4%10.5%
Wellworth Bank$1.84B1.3%57.5%1.39%0.04%1.1%82.4%9.8%
First Farmers & Merchants Bank$1.76B1.2%61.7%0.12%0.00%0.8%66.3%10.1%
Security Bank & Trust Co.$1.70B1.6%46.8%0.02%0.01%0.3%84.0%10.8%
One Bank of Tennessee$1.67B2.2%49.3%0.01%0.02%0.7%74.0%8.8%
Citizens Tri-county Bank$1.64B1.8%54.5%0.75%0.05%1.6%72.7%9.1%
First National Bank of Pulaski$1.50B1.4%53.6%0.24%0.01%1.3%77.3%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Builtwell BankCohort median
20212026Change20212026Change
Loans$833M$1.55B+86%$867M$1.30B+50%
Deposits$1.16B$1.99B+72%$1.21B$1.59B+32%
NPA / loans0.41%0.57%+0.17 pts0.35%0.40%+0.04 pts
Efficiency54.8%47.6%-7.2 pts59.6%54.0%-5.6 pts
ROA1.41%2.08%+0.68 pts1.32%1.67%+0.35 pts

This read was prepared for Builtwell Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Builtwell Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TN banks $1B to $3B
Institution www.builtwell.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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