Barwick Banking Company
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
$829.6MAssets
$700.8MLoans
$702.3MDeposits
$70.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 49% of banks under $1B in assets operating regionally (rank 49 of 94).
- Widest gap: tier 1 capital ratio trails 90% of banks under $1B in assets operating regionally (rank 85 of 94).
- Overall: at or above the peer median on 0 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $17.4M · efficiency ratio beats 48% of banks under $1B in assets operating regionally | 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 |