Builtwell Bank
Builtwell Bank is a privately-held community bank operating 31 branches across southeast Tennessee and northwest Georgia, offering personal, business, and commercial banking, mortgages, credit cards, treasury management, and insurance products to individuals and local businesses.
- Company typePrivate
- Founded1904
- HeadquartersChattanooga, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Builtwell Bank does
Builtwell Bank is a privately-held community bank headquartered at 728 Broad Street, Chattanooga, Tennessee, operating 31 branches across southeast Tennessee and northwest Georgia. Founded in 1904 as Marion Trust and Banking (later renamed First Volunteer Bank in 1999 and rebranded to Builtwell Bank in 2022), the bank is led by CEO Patti Steele and self-describes as the largest locally owned multi-market community bank in its two-state region following the November 2021 acquisition of FBD Holding Company and the January 2025 acquisition of Cleveland Bank. It is FDIC-insured and operates under Tennessee jurisdiction.
The bank provides a full suite of personal and commercial banking products: personal checking (Beyond Checking, Personal Interest, Heritage, Budget), savings (Personal, Moola, HSA, Money Market, Investment Savings Money Market, Holiday), personal loans (Home Equity Line of Credit, auto, personal, personal lines of credit), three credit card tiers (Classic, Gold, Platinum Mastercard), and retirement products (CDs, Traditional/Roth IRA, SEP, SIMPLE IRA, Coverdell ESA). Business offerings include Business Checking, Commercial Checking with assigned Relationship Banking Teams, commercial real estate loans, working capital loans, commercial lines of credit, and BusinessManager accounts receivable financing through Jack Henry. Treasury management spans merchant services (Visa/Mastercard/Amex/Discover), Cash Management, Remote Deposit Now, Mobile Remote Deposit Complete, ACH/Direct Deposit, Positive Pay, Wire Transfers, and Sweep Accounts. Insurance is offered through the Builtwell Insurance subsidiary across Tennessee, Georgia, and Alabama.
Revenue is generated primarily through net interest income from lending (personal, mortgage, commercial real estate, construction, working capital loans), supplemented by transaction fees from core banking services, treasury management and merchant services fees, credit card interchange and interest income, deposit product interest rate differentials, and insurance commissions. Distribution runs through 31 physical branches with lobby and drive-thru services, an online banking platform, iOS/Android mobile apps with Zelle and mobile wallet integrations, 24/7 telephone banking, and dedicated mortgage bankers. The bank also publishes a bi-weekly podcast ('A Well-Built Podcast') and maintains social media presence on Facebook, Instagram, and LinkedIn. Pricing for personal and business accounts operates on a subscription-style monthly fee model with balance-based fee waivers (e.g., Business Checking requires $2,500 minimum balance, Money Market requires $5,000 daily balance).
Builtwell Bank firmographics
Firmographics- Name
- Builtwell Bank
- Legal name
- Builtwell Bank
- Website
- https://builtwell.bank
- Company type
- Private
- Founded year
- 1904
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Builtwell Bank is a privately-held community bank operating 31 branches across southeast Tennessee and northwest Georgia, offering personal, business, and commercial banking, mortgages, credit cards, treasury management, and insurance products to individuals and local businesses.
- Ownership category
- akta.pro rank
Builtwell Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where Builtwell Bank is headquartered
LocationHeadquarters
- HQ city
- Chattanooga
- HQ country
- United States
- HQ region
- North America
Offices37 records
Markets served
Builtwell Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income from Lending: Primary revenue from interest earned on loans including personal loans, auto loans, home equity lines of credit, mortgage loans, commercial real estate loans, construction loans, and business working capital loans.
- Core Banking Fees and Service Charges: Monthly service charges, transaction fees, overdraft fees, and other account-based fees for personal and business checking and savings accounts.
- Treasury Management Services: Merchant services for credit/debit card processing, cash management services, remote deposit services, and ACH/direct deposit processing for business customers.
- Credit Card Income: Income from credit card transactions including interchange fees, interest charges on balances, and annual fees on Classic, Gold, and Platinum Mastercard products.
- Deposit Products: Revenue from Certificates of Deposit (CDs), Individual Retirement Accounts (IRAs), and money market savings accounts through interest rate differentials.
- Insurance Services: Insurance products offered through Builtwell Insurance subsidiary serving families, individuals, and businesses in Tennessee, Georgia, and Alabama.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Beyond Checking - Premium personal checking with enhanced benefits |
| Subscription | Monthly | Personal Interest Checking - Interest-bearing checking account |
| Subscription | Monthly | Heritage Checking - Traditional checking with logo checks |
| Subscription | Monthly | Budget Checking - Basic affordable checking |
| Subscription | Monthly | Personal Savings - Basic savings account |
| Subscription | Monthly | Money Market Account |
| Subscription | Monthly | Health Savings Account |
| Subscription | Monthly | Business Checking |
| Subscription | Monthly | Commercial Checking |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
Builtwell Bank product offering
Product offeringCore offering
Builtwell Bank is a community bank providing personal and business banking services through 31 branches across Tennessee and Northwest Georgia. The bank offers deposit accounts (checking, savings, money market, CDs), consumer and commercial loans, residential mortgages, credit cards, treasury management services, and insurance products to individuals, small businesses, and mid-market commercial customers.
Product overview
Builtwell Bank is a community bank providing a comprehensive suite of personal and business banking products through 31 branches across Tennessee and Northwest Georgia. The core banking platform includes personal checking (Beyond Checking, Personal Interest Checking, Heritage Checking, Budget Checking), personal savings (Personal Savings, Moola Savings, Health Savings, Money Market, Investment Savings, Holiday Savings), and personal loans (Home Equity Line of Credit, Auto Loans, Personal Loans, Personal Lines of Credit). The credit card portfolio features Classic, Gold, and Platinum Mastercards with mobile wallet support. Retirement and investment products encompass CDs, IRAs, SEPs, SIMPLE IRAs, and Coverdell Education Savings Accounts. Business banking includes Business Checking, Commercial Checking, Commercial Real Estate Loans, Working Capital Loans, and BusinessManager accounts receivable management. Treasury management services provide Merchant Services (Visa, Mastercard, Amex, Discover processing), Cash Management, Remote Deposit Now, Mobile Remote Deposit Complete, and ACH/Direct Deposit. Digital banking channels include Personal Online Banking, Mobile Banking apps, Business Online Banking with Autobooks and Positive Pay, and Bill Pay services. Additional offerings include Personal Mortgages (VA, USDA, FHA, conventional), Insurance products, and A Well-Built Podcast for financial education.
Differentiator
Problem solved
Functional benefit
Brands
- A Well-Built Podcast: A bi-weekly podcast providing information on banking, financial questions, and trending economic topics.
Products and services
- Personal Checking Accounts A suite of consumer checking accounts including Beyond Checking, Personal Interest Checking, Heritage Checking, and Budget Checking designed for individual consumers' everyday banking needs.
- Personal Savings and Money Market Accounts Deposit products for individual consumers, including standard savings, money market accounts, and Health Savings Accounts (HSA) for personal funds accumulation.
- Certificates of Deposit (CDs) and IRAs Term deposit certificates and Individual Retirement Accounts offered to consumers for long-term savings and retirement planning.
- Consumer Loans and Home Equity Lines of Credit Personal loans, auto loans, and home equity lines of credit (HELOC) extended to individual borrowers for personal financing needs.
- Personal and Business Credit Cards Mastercard credit card products including Classic, Gold, and Platinum tiers available to both consumers and business customers.
- Residential Mortgage Loans Home mortgage lending products for consumers purchasing or refinancing residential properties, originated through bank mortgage bankers.
- Business Checking and Commercial Checking Accounts Business and commercial deposit accounts designed for small businesses, mid-market companies, and commercial entities, often paired with treasury management services.
- Commercial Loans Credit facilities extended to businesses for working capital, equipment, expansion, and other commercial financing purposes.
- Treasury Management Services Cash management, ACH, wire transfer, and related treasury services offered to business and commercial customers to manage liquidity and payments.
- Insurance Products Personal and commercial insurance offerings distributed by the bank to protect consumer and business customers.
Companies that use Builtwell Bank
Customer profileSegments4 records
Ideal customer profiles2 records
Builtwell Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature5 records
Builtwell Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Builtwell InsurancecoreBuiltwell Insurance is a subsidiary/affiliate providing insurance services to families, individuals, and businesses throughout Tennessee, Georgia, and Alabama, complementing the bank's financial products.
Scale indicators5 records
Recent moves8 records
Expansion highlights6 records
Builtwell Bank competitors and assessment
Company assessmentBroad incumbents
- Regions Financial: Major super-regional bank with deep Tennessee and Northwest Georgia presence offering a much broader consumer, commercial, and capital-markets product suite; competes with Builtwell for the same middle-market and small-business relationships.
- Truist Financial Corporation: Top-10 U.S. commercial bank with significant Tennessee, Georgia, and broader Southeast retail and commercial presence; over-shadows Builtwell on product depth and digital capabilities while competing for the same deposit and small-business customers.
Direct peers
- Simmons First National Corporation: Arkansas-headquartered community bank with substantial Tennessee and Southeast presence, comparable product breadth (consumer, commercial, mortgage, treasury) and a similar M&A-driven growth history.
- United Community Banks: Blairsville, Georgia-headquartered community bank serving similar Southeast geographies with a comparable relationship-based model across consumer, small business, and commercial banking — closest analog to Builtwell's market positioning and scale.
- Seacoast Banking Corporation of Florida: Southeast-focused community bank of similar asset size with consumer and commercial banking across Florida and adjacent markets; comparable regional-community-bank economics and acquisition strategy.
- Renasant Corporation: Tupelo, Mississippi-based community bank with a comparable mix of consumer and commercial banking across the Southeast, including Tennessee and Georgia markets; similar acquisition-led growth strategy and branch-based distribution model.
- F.N.B. Corporation: Pittsburgh-based community bank with a Southeast commercial banking franchise; comparable scale, similar mix of consumer and commercial revenue, and analogous digital + branch distribution model.
- Pinnacle Financial Partners: Nashville-based community bank with a strong Tennessee presence and similar relationship-driven commercial and consumer banking model; larger than Builtwell but operates with the same 'local decision-making' positioning in overlapping markets.
- FirstBank (Tennessee): Tennessee-headquartered community bank with comparable product suite (checking, savings, mortgage, business banking) and similar mid-sized branch footprint across the same state — directly comparable in customer profile and product breadth.
- HomeTrust Bancshares: Asheville, NC-based community bank of comparable size offering consumer, business, and mortgage banking across the Southeast — similar scale and product positioning to Builtwell's community banking platform.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Builtwell Bank social profiles
Digital presenceBuiltwell Bank compliance and trust
Trust signalCompliance4 records
Builtwell Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Builtwell Bank leadership team
Management profileNumber of profiles
Profiles1 record
Builtwell Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Builtwell Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Builtwell Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Builtwell Bank
What does Builtwell Bank do?
Builtwell Bank is a community bank providing personal and business banking services through 31 branches across Tennessee and Northwest Georgia. The bank offers deposit accounts (checking, savings, money market, CDs), consumer and commercial loans, residential mortgages, credit cards, treasury management services, and insurance products to individuals, small businesses, and mid-market commercial customers.
Is Builtwell Bank a public or private company?
Builtwell Bank is a private company. It is classified as unknown and is currently operating.
When was Builtwell Bank founded?
Builtwell Bank was founded in 1904. It employs 101 to 250 people.
Where is Builtwell Bank based?
Builtwell Bank is headquartered in Chattanooga, United States, in the North America region.
How does Builtwell Bank make money?
Six revenue lines are on record. Interest Income from Lending is the primary driver. The others are core Banking Fees and Service Charges, treasury Management Services, credit Card Income, deposit Products and insurance Services.
Who are Builtwell Bank's main competitors?
Broad incumbents on record are Regions Financial and Truist Financial Corporation. Direct peers are Simmons First National Corporation, United Community Banks, Seacoast Banking Corporation of Florida, Renasant Corporation, F.N.B. Corporation, Pinnacle Financial Partners, FirstBank (Tennessee) and HomeTrust Bancshares.
Does Builtwell Bank have an API?
No public API is recorded for Builtwell Bank.
What industry is Builtwell Bank in?
Builtwell Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.