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 | |