Builders Bank

225 West Wacker Drive, Suite 2000
Chicago, IL 60606
312-750-9300
www.buildersbank.com

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Builders Bank is headquartered in Chicago and is the 143^rd largest bank in the state of Illinois. It is also the 2,189^th largest bank in the nation. It was established in 1997 and as of December of 2011, it had grown to 41 employees at 2 locations. Builders Bank has a 1-star health rating.

Builders Bank Routing Number: 071025771

2.60 12-Month CD at Builders Bank in Chicago - Local Only - 6/23/2009

Builders Bank is offering a 2.60% APY 12-month CD. The minimum deposit is $2,500 ($500 for an IRA CD). The 2.60% APY is also available on the 18-month CD. These rates are listed in the bank's rate sheet (pdf), and according to this sheet, the listed...

4.75% 15-Month CD at Builders Bank in Chicago - 9/5/2008

Builders Bank is offering a 4.75% APY 15-month CD. The minimum deposit is $2,500 ($500 for an IRA CD). This CD is listed in the bank's rate sheet (pdf). The listed rates are in effect through September 11, 2008.My last report on this bank was in June...

4.00% 12-Month CD at a Chicago Bank (Builders). - 6/30/2008

Update 7/26/08: The special CD has ended. Please refer to the bank's website for the latest rates and specials.Builders Bank is offering a 4.00% APY CD with terms of 12 and 18 months. The minimum deposit is $2,500 ($500 for an IRA CD). Other competitive...

3.60% 12-Month / 3.50% 6-Month CD at a Chicago Bank (Builders Bank) - 5/27/2008

Update 6/14/08: The CD special has changed. It's now a 3.60% APY 12-month CD and a 3.50% APY 6-month CD. The title has been modified to reflect this change.Builders Bank is offering a special (pdf) 3.60% APY 9-month CD. The minimum deposit is $2,500....

2007

6/8 - 5.45% 12-Month CD at a Chicago Bank (Builders)

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See Rates for: Checking | Savings | Money Market | CD | IRA

Builders Bank Checking Account Rates

Apy	Min	Max	Product
0.10%	$1,500	-	Personal NOW Account
0.10%	$1,500	-	Business NOW Account
0.10%	-	-	Iolta

Builders Bank Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Personal Statement Savings
0.15%	$5k	-	Silver Statement Savings
0.15%	-	-	Business Statement Savings
0.15%	-	-	Minor Statement Savings

Builders Bank Money Market Rates

Apy	Min	Max	Product
0.25%	$25k	-	Money Market Account
0.25%	$25k	-	Business Money Market Account
0.20%	$5k	-	Investment Money Market Account
0.20%	$5k	-	Business Investment Money Market

Builders Bank CD Rates

Apy	Min	Max	Product
1.60%	$2,500	-	60 Month CD
1.60%	$100k	-	60 Month Jumbo CD
1.20%	$2,500	-	48 Month CD
1.20%	$100k	-	48 Month Jumbo CD
1.00%	$2,500	-	36 Month CD
1.00%	$100k	-	36 Month Jumbo CD
0.80%	$2,500	-	24 Month CD
0.80%	$100k	-	24 Month Jumbo CD
0.70%	$2,500	-	18 Month CD
0.70%	$100k	-	18 Month Jumbo CD
0.65%	$2,500	-	12 Month CD
0.65%	$2,500	-	15 Month CD
0.65%	$100k	-	12 Month Jumbo CD
0.65%	$100k	-	14 Month Jumbo CD
0.55%	$2,500	-	11 Month CD
0.50%	$2,500	-	9 Month CD
0.50%	$100k	-	9 Month Jumbo CD
0.30%	$2,500	-	6 Month CD
0.30%	$100k	-	6 Month Jumbo CD
0.15%	$2,500	-	3 Month CD
0.15%	$100k	-	3 Month Jumbo CD
0.10%	$2,500	-	1 Month CD
0.10%	$2,500	-	2 Month CD
0.10%	$100k	-	2 Month Jumbo CD

Builders Bank IRA Rates

Apy	Min	Max	Product
1.60%	$500	-	60 Month IRA
1.20%	$500	-	48 Month IRA
1.00%	$500	-	36 Month IRA
0.80%	$500	-	24 Month IRA
0.70%	$500	-	18 Month IRA
0.65%	$500	-	12 Month IRA
0.65%	$500	-	15 Month IRA
0.55%	$500	-	11 Month IRA
0.50%	$500	-	9 Month IRA
0.30%	$500	-	6 Month IRA
0.15%	$500	-	3 Month IRA
0.10%	$500	-	1 Month IRA
0.10%	$500	-	2 Month IRA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

Builders Bank
FDIC Certificate #	34613
BankRate Report	View
Year Established	1997
Employees	41
Primary Regulator	FDIC
Assets and Liabilities
Assets	$295.10 million
Loans	$140.19 million
Deposits	$266.37 million
Equity Capital	$20.59 million
Loan Loss Allowance	$3.99 million
Unbacked Noncurrent Loans	$32.25 million
Real Estate Owned	$57.53 million
Historic Data - December 2010
Assets	$306.17 million
Equity Capital	$23.08 million
Loan Loss Allowance	$4.19 million
Unbacked Noncurrent Loans	$63.72 million
Real Estate Owned	$56.52 million
Profit Margin - Quarterly
Net Interest Margin	4%
Return on Assets	-0.96%
Return on Equity	-13.58%
Interest Income	$12.55 million

Institution Health

Overall Score:

1 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Builders Bank had $89.78 million in non-current loans and owned real-estate with $24.58 million in equity and loan loss allowances on hand to cover it. This gives Builders Bank a Texas Ratio of 365.25% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Builders Bank decreased slightly from 441.05% as of December 31, 2010 to 365.25% as of December 31, 2011, resulting in a positive change of 17.19%.This indicates that the balance sheet and financial strength for Builders Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Builders Bank has decreased its total deposits by -$12.13 million, resulting in -4.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Builders Bank has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Builders Bank has $295.1 million in assets with $24.58 million in equity, resulting in a capitalization level of 8.33%, which is average.