Builders Bank

203 North Lasalle Street, Suite M-5
Chicago, IL 60601


General Bank Information

FDIC Insured Yes
FDIC Certificate # 34613
Date Established 1997
Assets $0.02 billion
Loans $0.01 billion
Deposits $0.00 billion
Capital $0.02 billion

Builders Bank is an FDIC insured institution located in Chicago, IL. It was founded in 1997 and has approximately $0.02 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Builders Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Builders Bank’s loan portfolio are Construction and Development Loans, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in Illinois, Builders Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 100.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Loan Rates

Your Current Location: Virginia, VA 20146

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Financial Details

Builders Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Builders Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Builders Bank U.S. Bank Average
42.57% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Builders Bank had $0 in non-current loans and $7,430,000 in owned real estate. To cover these potential losses it had $16,990,000 in equity and $463,000 in loans loss reserves. That gives it a Texas Ratio of 42.57%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Builders Bank U.S. Bank Average
-19.19% 8.39%

Builders Bank has a Return on Equity of -19.19% versus the BestCashCow average of 8.39%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Builders Bank U.S. Bank Average
97.6% 11.94%

Builders Bank has a Capitalization of 97.6% versus the BestCashCow average of 11.94%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Builders Bank Balance Sheet Analysis

As of March 31, 2017, Builders Bank had assets of $17,407,000, loans of $7,432,000, and deposits of $0. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Customer Reviews for Builders Bank

  • louis

    August 04, 2015

    they no longer automatically renew a cd OR IRA ,and they closed their 1660 LaSalle St office.It appears they may be in financial difficulties. If so they should notify their clients.

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