Barwick, GA · Cert 22205 · Barwick Bcorp Inc.
State charter, non-member · FDIC · 7 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 under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
39
Profitability
30
Liquidity
19
Efficiency
48
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.
Barwick, GA · Cert 22205 · Barwick Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Jacksonville, FL · 2026 SOD (annual) · 0.2% share · #19 of 36 inst. · $0.3B of $120.9B
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 | 0.63% | 0.67% | 0.54% | 0.62% | 0.69% | 0.74% | 0.82% | 0.87% | +26 bps | |
| Return on Equity | 7.92% | 8.39% | 6.81% | 7.72% | 8.57% | 9.02% | 9.56% | 10.23% | +250 bps | |
| Net Interest Margin | 3.05% | 3.03% | 3.43% | 3.41% | 3.39% | 3.32% | 3.69% | 3.59% | +18 bps | |
| Efficiency Ratio | 71.04% | 70.07% | 73.00% | 69.99% | 68.49% | 67.23% | 64.53% | 62.77% | -721 bps | |
| Non-Interest Burden | 2.08% | 2.04% | 2.44% | 2.30% | 2.23% | 2.14% | 2.29% | 2.15% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.14% | 28.25% | 30.66% | 27.02% | 26.50% | 32.56% | 29.09% | 29.24% | +223 bps | |
| Loan Growth (YoY) | 30.14% | 25.28% | 27.35% | 30.02% | 34.30% | 38.05% | 36.33% | 31.64% | +161 bps | |
| Deposit Growth (YoY) | 29.27% | 30.97% | 34.58% | 22.09% | 21.24% | 19.48% | 18.44% | 26.43% | +434 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.10% | 0.09% | 0.04% | 0.17% | 0.17% | 0.16% | 0.49% | +45 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.04% | 0.03% | 0.00% | 0.10% | +9 bps | |
| Allowance / Loans | 1.06% | 1.04% | 1.01% | 1.02% | 1.01% | 0.99% | 1.00% | 0.98% | -4 bps | |
| Allowance Coverage of NPLs | 12.0x | 10.1x | 10.7x | 22.9x | 6.1x | 5.9x | 6.4x | 2.0x | -20.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.84% | 8.03% | 8.36% | 8.35% | 8.42% | 8.73% | 8.81% | 8.67% | +32 bps | |
| Total Risk-Based Capital | 10.38% | 10.21% | 10.26% | 10.17% | 10.38% | 10.51% | 10.68% | 10.58% | +41 bps | |
| Equity / Assets | 7.85% | 7.91% | 7.95% | 8.11% | 8.35% | 8.49% | 8.63% | 8.52% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.18% | 90.55% | 89.49% | 95.84% | 97.68% | 104.63% | 103.01% | 99.79% | +395 bps | |
| Liquid Assets / Assets | 10.99% | 6.83% | 6.87% | 5.14% | 4.83% | 4.19% | 3.60% | 3.84% | -130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 664% | 657% | 643% | n/a | n/a | |
Barwick, GA · Cert 22205 · Peer group: banks under $1B in assets operating regionally (n=94) · Barwick Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
0.82%
Rank 71 of 94
Net Interest Margin
3.59%
Rank 64 of 94
Efficiency Ratio
62.77%
Rank 50 of 94
Equity / Assets
8.52%
Rank 80 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.82% | 1.19% | 1.46% | Beats 24% | 71 / 94 | ||
| Return on Equity | 9.63% | 7.85% | 11.84% | 14.03% | Beats 33% | 63 / 94 | ||
| Net Interest Margin | 3.59% | 3.42% | 3.81% | 4.18% | Beats 32% | 64 / 94 | ||
| Efficiency Ratio | 62.77% | 55.99% | 62.41% | 73.02% | Beats 48% | 50 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.19% | 0.47% | 1.14% | Beats 49% | 49 / 94 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.05% | Beats 28% | 69 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.60% | 10.28% | 11.95% | 15.07% | Beats 10% | 85 / 94 | ||
| Total Risk-Based Capital Ratio | 10.58% | 10.31% | 12.59% | 15.88% | Beats 30% | 66 / 94 | ||
| Equity / Assets | 8.52% | 8.98% | 10.21% | 11.41% | Beats 15% | 80 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.79% | 72.62% | 84.44% | 94.55% | 83rd pctl | 16 / 94 | ||
| Loans / Assets | 84.48% | 62.50% | 72.84% | 78.99% | 86th pctl | 13 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||