Chattanooga, TN · Cert 10307 · Builtwell Bcorp Inc.
State charter, non-member · FDIC · 36 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
73
Asset Quality
63
Profitability
94
Liquidity
30
Efficiency
86
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.
Chattanooga, TN · Cert 10307 · Builtwell Bcorp Inc.
State charter, non-member · FDIC · 36 branches
Q2 2026
Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 4.5% share · #6 of 30 inst. · $0.7B of $15.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.15% | 2.13% | 2.02% | 2.06% | 2.26% | 2.29% | 2.04% | 2.07% | +1 bps | |
| Return on Equity | 18.72% | 18.45% | 18.29% | 18.88% | 19.37% | 19.92% | 18.20% | 18.04% | -84 bps | |
| Net Interest Margin | 4.83% | 4.69% | 4.49% | 4.51% | 4.59% | 4.63% | 4.53% | 4.59% | +8 bps | |
| Efficiency Ratio | 46.82% | 47.43% | 46.64% | 46.86% | 44.71% | 44.38% | 45.32% | 45.54% | -132 bps | |
| Non-Interest Burden | 1.83% | 1.81% | 1.69% | 1.72% | 1.71% | 1.71% | 1.71% | 1.74% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.14% | 5.70% | 7.18% | 6.34% | 23.66% | 21.34% | 19.03% | 17.29% | +1,096 bps | |
| Loan Growth (YoY) | 5.14% | 0.90% | 0.88% | -0.45% | 20.33% | 25.42% | 24.22% | 22.83% | +2,327 bps | |
| Deposit Growth (YoY) | 5.20% | 6.06% | 7.81% | 6.88% | 20.73% | 22.45% | 17.42% | 15.69% | +881 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.50% | 0.65% | 0.80% | 0.51% | 0.49% | 0.51% | 0.57% | -23 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.01% | 0.00% | 0.01% | -0.10% | -0.05% | -6 bps | |
| Allowance / Loans | 1.48% | 1.52% | 1.49% | 1.50% | 1.43% | 1.40% | 1.43% | 1.45% | -5 bps | |
| Allowance Coverage of NPLs | 3.9x | 3.0x | 2.3x | 1.9x | 2.8x | 2.8x | 2.8x | 2.5x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.93% | 10.10% | 8.68% | 9.09% | 11.14% | 8.44% | 9.13% | 9.71% | +62 bps | |
| Total Risk-Based Capital | 14.59% | 15.86% | 13.38% | 14.16% | 16.77% | 13.20% | 13.88% | 14.98% | +82 bps | |
| Equity / Assets | 11.49% | 11.86% | 10.21% | 10.68% | 13.49% | 10.99% | 11.44% | 12.04% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.16% | 75.14% | 73.41% | 73.25% | 76.90% | 76.96% | 77.67% | 77.76% | +452 bps | |
| Liquid Assets / Assets | 21.54% | 23.86% | 21.69% | 22.92% | 19.85% | 15.96% | 14.37% | 12.22% | -1,070 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 427% | 567% | 526% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.08% | 0.93% | 1.26% | 1.54% | Beats 94% | 10 / 176 | ||
| Return on Equity | 17.32% | 9.26% | 11.89% | 14.46% | Beats 93% | 13 / 176 | ||
| Net Interest Margin | 4.59% | 3.25% | 3.59% | 3.93% | Beats 94% | 10 / 176 | ||
| Efficiency Ratio | 47.62% | 52.79% | 59.55% | 67.66% | Beats 86% | 26 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.30% | 0.64% | 1.32% | Beats 55% | 81 / 176 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 71% | 52 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.73% | 11.15% | 12.72% | 14.15% | Beats 69% | 54 / 176 | ||
| Total Risk-Based Capital Ratio | 14.98% | 11.81% | 13.63% | 15.33% | Beats 72% | 49 / 176 | ||
| Equity / Assets | 12.04% | 9.16% | 10.35% | 11.80% | Beats 77% | 40 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.76% | 80.94% | 89.73% | 97.21% | 16th pctl | 148 / 176 | ||
| Loans / Assets | 67.88% | 69.25% | 75.12% | 80.82% | 18th pctl | 144 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||