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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.83% | 0.86% | 0.82% | 0.93% | +24 bps | |
| Return on Equity | 8.55% | 10.07% | 10.22% | 9.56% | 10.81% | +226 bps | |
| Net Interest Margin | 3.65% | 3.73% | 3.73% | 3.69% | 3.73% | +8 bps | |
| Efficiency Ratio | 67.42% | 65.89% | 63.97% | 64.53% | 61.15% | -626 bps | |
| Non-Interest Burden | 2.34% | 2.35% | 2.28% | 2.29% | 2.17% | -17 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 / Loans | 0.04% | 0.17% | 0.17% | 0.16% | 0.49% | +45 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.11% | 0.01% | 0.00% | 0.20% | +19 bps | |
| Allowance / Loans | 1.02% | 1.01% | 0.99% | 1.00% | 0.98% | -4 bps | |
| Allowance Coverage of NPLs | 22.9x | 6.1x | 5.9x | 6.4x | 2.0x | -20.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.35% | 8.42% | 8.73% | 8.81% | 8.67% | +32 bps | |
| Total Risk-Based Capital | 10.17% | 10.38% | 10.51% | 10.68% | 10.58% | +41 bps | |
| Equity / Assets | 8.11% | 8.35% | 8.49% | 8.63% | 8.52% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.84% | 97.68% | 104.63% | 103.01% | 99.79% | +395 bps | |
| Liquid Assets / Assets | 5.14% | 4.83% | 4.19% | 3.60% | 3.84% | -130 bps | |
| CRE / Total Capital | n/a | 664% | 657% | 643% | n/a | n/a | |