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Barwick Banking Company

Barwick, GA · Cert 22205 · Barwick Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating regionally (n=99). 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

48

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 2026-10-10

Barwick Banking Company

Barwick, GA · Cert 22205 · Barwick Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$829.6MAssets
$700.8MLoans
$702.3MDeposits
$70.7MEquity
Loan mix
94%RE $620.8M5%C&I $31.7M1%Consumer $5.1MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $548.2M22%Noninterest $154.0MQ2 2025Q2 2026

NIM

6.00%Q2 ’245.95%Q2 ’255.94%Q2 ’26+7%+5%

Non-interest income vs. expense

2.48%Q2 ’242.57%Q2 ’252.40%Q2 ’26+4%-6%

Market Position · Jacksonville, FL · 2026 SOD (annual) · 0.2% share · #19 of 36 inst. · $0.3B of $120.9B

3.6% St. Johns
1.6% Volusia
1.6% Alachua
8.6% Putnam

Executive Summary

  • Earnings: ROA of 0.87%, up 26 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.49% of loans (+45 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 8.67%, up 32 bps from a year ago.
  • Funding: loans stand at 99.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+18 bps YoY

Efficiency Ratio (YTD, annualized)

62.77%-721 bps YoY

Tier 1 Leverage Ratio

8.67%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.69%0.74%0.82%0.87%+26 bps
Return on Equity7.72%8.57%9.02%9.56%10.23%+250 bps
Net Interest Margin3.41%3.39%3.32%3.69%3.59%+18 bps
Efficiency Ratio69.99%68.49%67.23%64.53%62.77%-721 bps
Non-Interest Burden2.30%2.23%2.14%2.29%2.15%-14 bps
Growth
Asset Growth (YoY)27.02%26.50%32.56%29.09%29.24%+223 bps
Loan Growth (YoY)30.02%34.30%38.05%36.33%31.64%+161 bps
Deposit Growth (YoY)22.09%21.24%19.48%18.44%26.43%+434 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.17%0.17%0.16%0.49%+45 bps
Net Charge-Offs / Loans0.00%0.04%0.03%0.00%0.10%+9 bps
Allowance / Loans1.02%1.01%0.99%1.00%0.98%-4 bps
Allowance Coverage of NPLs22.9x6.1x5.9x6.4x2.0x-20.9x
Capital
Tier 1 Leverage Ratio8.35%8.42%8.73%8.81%8.67%+32 bps
Total Risk-Based Capital10.17%10.38%10.51%10.68%10.58%+41 bps
Equity / Assets8.11%8.35%8.49%8.63%8.52%+42 bps
Liquidity & Funding
Loans / Deposits95.84%97.68%104.63%103.01%99.79%+395 bps
Liquid Assets / Assets5.14%4.83%4.19%3.60%3.84%-130 bps
CRE / Total Capitaln/a664%657%643%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 2026-10-10

Barwick Banking Company

Barwick, GA · Cert 22205 · Peer group: banks under $1B in assets operating regionally (n=99) · Barwick Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$829.6MAssets
$700.8MLoans
$702.3MDeposits
$70.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 48% of banks under $1B in assets operating regionally (rank 52 of 99).
  • Widest gap: tier 1 capital ratio trails 90% of banks under $1B in assets operating regionally (rank 89 of 99).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.82%

Rank 74 of 99

Net Interest Margin

3.59%

Rank 68 of 99

Efficiency Ratio

62.77%

Rank 52 of 99

Equity / Assets

8.52%

Rank 82 of 99

Non-interest income vs. expense

$2.0M$19.3MINCOMEEXPENSE
Unfavorable gap of $17.4M · efficiency ratio beats 48% of banks under $1B in assets operating regionally
Bank 62.77%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.82%0.82%1.19%1.48%Beats 25%74 / 99
Return on Equity9.63%7.92%11.87%14.08%Beats 31%68 / 99
Net Interest Margin3.59%3.44%3.80%4.18%Beats 31%68 / 99
Efficiency Ratio62.77%55.83%62.41%73.02%Beats 48%52 / 99
Asset Quality
Nonperforming Loans / Loans0.49%0.19%0.46%1.04%Beats 48%52 / 99
Net Charge-Offs / Loans0.05%0.00%0.02%0.06%Beats 28%72 / 99
Capital
Tier 1 Capital Ratio9.60%10.28%11.95%14.75%Beats 10%89 / 99
Total Risk-Based Capital Ratio10.58%10.45%12.59%15.64%Beats 28%71 / 99
Equity / Assets8.52%8.89%10.14%11.36%Beats 17%82 / 99
Liquidity & Funding
Loans / Deposits99.79%74.57%84.03%94.55%83rd pctl17 / 99
Loans / Assets84.48%62.55%71.25%78.99%86th pctl14 / 99
Brokered Deposits / Depositsn/aNot reported for this institution