Builtwell Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Retained earnings: 39.3% higher than in Q1 2026, at $42.7M. Within Tennessee, Builtwell Bank is 38th of 71 on CET1 ratio, 13.73% as of Q2 2026. At 13.73%, Builtwell Bank's CET1 ratio is close to the 13.49% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.73% |
| Tier 1 risk-based capital ratio | 13.73% |
| Total risk-based capital ratio | 14.98% |
| Tier 1 leverage ratio | 9.71% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $216.1M |
| Tier 1 capital | $216.1M |
| Total risk-based capital | $235.8M |
| Total equity capital | $274.9M |
| Risk-weighted assets | $1.57B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.04% |
| Tangible equity to tangible assets | 9.70% |
| Equity capital to average assets | 12.04% |
| Internal capital growth rate | 18.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.0M |
| Common stock surplus | $225.5M |
| Retained earnings | $42.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$280K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.78% | 14.78% | 16.04% | 10.06% | $1.19B |
| Q4 2023 | 14.39% | 14.39% | 15.65% | 10.56% | $1.29B |
| Q1 2024 | 12.22% | 12.22% | 13.47% | 9.29% | $1.31B |
| Q2 2024 | 12.73% | 12.73% | 13.98% | 9.61% | $1.33B |
| Q3 2024 | 13.34% | 13.34% | 14.59% | 9.93% | $1.35B |
| Q4 2024 | 14.61% | 14.61% | 15.86% | 10.10% | $1.30B |
| Q1 2025 | 12.12% | 12.12% | 13.38% | 8.68% | $1.34B |
| Q2 2025 | 12.90% | 12.90% | 14.16% | 9.09% | $1.33B |
| Q3 2025 | 15.52% | 15.52% | 16.77% | 11.14% | $1.63B |
| Q4 2025 | 11.95% | 11.95% | 13.20% | 8.44% | $1.60B |
| Q1 2026 | 12.62% | 12.62% | 13.88% | 9.13% | $1.61B |
| Q2 2026 | 13.73% | 13.73% | 14.98% | 9.71% | $1.57B |
Builtwell Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Builtwell Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Builtwell Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10307) · FFIEC NIC profile (RSSD 234739)