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Builtwell Bank

Chattanooga, TN · Cert 10307 · Builtwell Bcorp Inc.

State charter, non-member · FDIC · 36 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

73

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

86

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Builtwell Bank

Chattanooga, TN · Cert 10307 · Builtwell Bcorp Inc.

State charter, non-member · FDIC · 36 branches

Q2 2026

$2.3BAssets
$1.6BLoans
$2.0BDeposits
$274.9MEquity
Loan mix
91%RE $1.4B7%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $1.4B31%Noninterest $0.6BQ2 2025Q2 2026

NIM

6.21%Q2 ’245.90%Q2 ’255.81%Q2 ’26-8%+2%

Non-interest income vs. expense

2.61%Q2 ’242.44%Q2 ’252.48%Q2 ’26-5%+2%

Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 4.5% share · #6 of 30 inst. · $0.7B of $15.8B

2.8% Hamilton
8.1% Bradley
9.5% Whitfield
20.0% Catoosa

Executive Summary

  • Earnings: ROA of 2.07%, up 1 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.57% of loans (-23 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 9.71%, up 62 bps from a year ago.
  • Funding: loans stand at 77.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.07%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.59%+8 bps YoY

Efficiency Ratio (YTD, annualized)

45.54%-132 bps YoY

Tier 1 Leverage Ratio

9.71%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.06%2.26%2.29%2.04%2.07%+1 bps
Return on Equity18.88%19.37%19.92%18.20%18.04%-84 bps
Net Interest Margin4.51%4.59%4.63%4.53%4.59%+8 bps
Efficiency Ratio46.86%44.71%44.38%45.32%45.54%-132 bps
Non-Interest Burden1.72%1.71%1.71%1.71%1.74%+3 bps
Growth
Asset Growth (YoY)6.34%23.66%21.34%19.03%17.29%+1,096 bps
Loan Growth (YoY)-0.45%20.33%25.42%24.22%22.83%+2,327 bps
Deposit Growth (YoY)6.88%20.73%22.45%17.42%15.69%+881 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.51%0.49%0.51%0.57%-23 bps
Net Charge-Offs / Loans0.01%0.00%0.01%-0.10%-0.05%-6 bps
Allowance / Loans1.50%1.43%1.40%1.43%1.45%-5 bps
Allowance Coverage of NPLs1.9x2.8x2.8x2.8x2.5x+0.7x
Capital
Tier 1 Leverage Ratio9.09%11.14%8.44%9.13%9.71%+62 bps
Total Risk-Based Capital14.16%16.77%13.20%13.88%14.98%+82 bps
Equity / Assets10.68%13.49%10.99%11.44%12.04%+135 bps
Liquidity & Funding
Loans / Deposits73.25%76.90%76.96%77.67%77.76%+452 bps
Liquid Assets / Assets22.92%19.85%15.96%14.37%12.22%-1,070 bps
CRE / Total Capitaln/a427%567%526%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Builtwell Bank

Chattanooga, TN · Cert 10307 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Builtwell Bcorp Inc.

State charter, non-member · FDIC · 36 branches

Q2 2026

$2.3BAssets
$1.6BLoans
$2.0BDeposits
$274.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 94% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
  • Widest gap: nonperforming loans / loans trails 45% of banks $1B-$10B in assets operating regionally (rank 81 of 176).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

2.08%

Rank 10 of 176

Net Interest Margin

4.59%

Rank 10 of 176

Efficiency Ratio

47.62%

Rank 26 of 176

Equity / Assets

12.04%

Rank 40 of 176

Non-interest income vs. expense

$16.9M$56.7MINCOMEEXPENSE
Unfavorable gap of $39.8M · efficiency ratio beats 86% of banks $1B-$10B in assets operating regionally
Bank 47.62%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.08%0.93%1.26%1.54%Beats 94%10 / 176
Return on Equity17.32%9.26%11.89%14.46%Beats 93%13 / 176
Net Interest Margin4.59%3.25%3.59%3.93%Beats 94%10 / 176
Efficiency Ratio47.62%52.79%59.55%67.66%Beats 86%26 / 176
Asset Quality
Nonperforming Loans / Loans0.57%0.30%0.64%1.32%Beats 55%81 / 176
Net Charge-Offs / Loans0.01%0.01%0.04%0.10%Beats 71%52 / 176
Capital
Tier 1 Capital Ratio13.73%11.15%12.72%14.15%Beats 69%54 / 176
Total Risk-Based Capital Ratio14.98%11.81%13.63%15.33%Beats 72%49 / 176
Equity / Assets12.04%9.16%10.35%11.80%Beats 77%40 / 176
Liquidity & Funding
Loans / Deposits77.76%80.94%89.73%97.21%16th pctl148 / 176
Loans / Assets67.88%69.25%75.12%80.82%18th pctl144 / 176
Brokered Deposits / Depositsn/aNot reported for this institution