Barwick Banking Company
Total assets
$829.6M
▲ +29.2% YoY
Deposits
$702.3M
▲ +26.4% YoY
Loans
$694.0M
▲ +31.7% YoY
Offices
7
BARWICK BCORP INC
ROA (annualized)
0.87%
peers 1.28%
ROE (annualized)
10.23%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.2% | +4.9% | +24.3 pts |
| Deposit growth (YoY) | +26.4% | +4.3% | +22.1 pts |
| Loan growth (YoY) | +31.7% | +5.3% | +26.3 pts |
| ROA | 0.87% | 1.28% | -0.4 pts |
| ROE | 10.2% | 12.4% | -2.2 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BARWICK BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 2020 E Main St, Barwick, GA, 31720
- County
- Brooks
- Metro area
- Valdosta, GA
- Offices
- 7
- FDIC cert #
- 22205
- RSSD ID
- 1007734
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $829.6M | $702.3M | $694.0M | $70.7M | $3.4M | 0.87% | 3.92% | 0.41% |
| Q1 2026 | $778.7M | $643.8M | $656.5M | $67.2M | $1.5M | 0.82% | 3.90% | 0.17% |
| Q4 2025 | $728.2M | $590.4M | $611.6M | $61.8M | $4.7M | 0.74% | 3.84% | 0.19% |
| Q3 2025 | $673.1M | $580.9M | $561.7M | $56.2M | $3.2M | 0.69% | 3.82% | 0.21% |
| Q2 2025 | $641.9M | $555.5M | $527.0M | $52.0M | $1.8M | 0.62% | 3.75% | 0.04% |
| Q1 2025 | $603.3M | $543.5M | $481.5M | $48.0M | $778K | 0.54% | 3.62% | 0.08% |
| Q4 2024 | $549.3M | $494.1M | $442.8M | $43.5M | $3.3M | 0.67% | 3.54% | 0.08% |
| Q3 2024 | $532.1M | $479.1M | $418.0M | $41.7M | $2.3M | 0.63% | 3.53% | 0.07% |
Loan mix (Q2 2026): real estate $655.2M · commercial $34.7M · consumer $5.7M · securities $54.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Barwick Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.28% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 12.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.89% | 52th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 61.2% | 55th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Barwick Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Barwick Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Barwick Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Barwick Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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