WALL PANEL AND BUILDING SYSTEM

A composite, prefabricated panel for building construction. A panel includes a central core having a first face and a second face. The central core includes structural framing members assembled to define at least one opening. A substantially rigid insulation is disposed in the at least one opening of the structural framing members. A settable cement, which may be, for example, phosphate ceramic, is provided on each of the first face of the central core and the second face of the central core to form a first face of the panel and a second face of the panel. The insulation may define a plurality of passages, each with phosphate ceramic extending through the passage between and being monolithic with the phosphate ceramic on the first face of the central core and the phosphate ceramic on the second face of the central core. A building system with such panels is provided.