Citizens Bank vs Builtwell Bank
Comparing a Bank in Elizabethton, TN with a Bank in Chattanooga, TN using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Citizens Bank ↗ Bank · Elizabethton, TN · Est. 1934 | Builtwell Bank ↗ Bank · Chattanooga, TN · Est. 1904 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Elizabethton, TN | Chattanooga, TN |
| Total assets | $1.4B | $2.3B |
| Capital ratio | 12.5% | 11.4% |
| Return on assets | 1.8% | 2.0% |
| Deposits | $1.2B | $2.0B |
| Branches | 14 | 36 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 109 | #1 of 109 |
| Established | 1934 | 1904 |
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
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
Are both institutions federally insured?
Yes. Citizens Bank is FDIC-insured and Builtwell 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, Citizens Bank or Builtwell Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Citizens 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 Citizens Bank safe?
Yes — Citizens 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 Builtwell Bank safe?
Yes — Builtwell 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 Citizens Bank vs Builtwell Bank?
Citizens Bank has a capital ratio of 12.5%, placing it in the top 19% of $1B–10B peers. Builtwell Bank's ratio is 11.4%, placing it in the top 30% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Citizens Bank have compared to Builtwell Bank?
The CFPB database shows 0 complaints against Citizens Bank, and 0 complaints against Builtwell 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 Citizens 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.
