Builtwell Bank vs Citizens Bank
Comparing a Bank in Chattanooga, TN with a Bank in Elizabethton, TN using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Builtwell Bank ↗ Bank · Chattanooga, TN · Est. 1904 | Citizens Bank ↗ Bank · Elizabethton, TN · Est. 1934 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Chattanooga, TN | Elizabethton, TN |
| Total assets | $2.3B | $1.4B |
| Capital ratio | 11.4% | 12.5% |
| Return on assets | 2.0% | 1.8% |
| Deposits | $2.0B | $1.2B |
| Branches | 36 | 14 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 109 | #5 of 109 |
| Established | 1904 | 1934 |
Builtwell Bank
- Assets: $2.3B
- Deposits: $2.0B
- Capital ratio: 11.4%
- Return on assets: 2.0%
- CFPB complaints: 0
- State rank: #1 of 109
Citizens Bank
- Assets: $1.4B
- Deposits: $1.2B
- Capital ratio: 12.5%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #5 of 109
Are both institutions federally insured?
Yes. Builtwell Bank is FDIC-insured and Citizens Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Builtwell Bank or Citizens Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Builtwell Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Builtwell Bank safe?
Yes — Builtwell Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Citizens Bank safe?
Yes — Citizens Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Builtwell Bank vs Citizens Bank?
Builtwell Bank has a capital ratio of 11.4%, placing it in the top 30% of $1B–10B peers. Citizens Bank's ratio is 12.5%, placing it in the top 19% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Builtwell Bank have compared to Citizens Bank?
The CFPB database shows 0 complaints against Builtwell Bank, and 0 complaints against Citizens Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Builtwell Bank with other Banks in Tennessee
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
