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 | |