BARWICK BANKING COMPANY
BARWICK BANKING COMPANY is an FDIC-insured commercial bank headquartered in BARWICK, GA, established in 1934. As of , the bank reported total assets of $728M and total deposits of $590M. Profitability stands at 0.86% ROA and 10.22% ROE, with a net interest margin of 3.91%. CET1 capital ratio: 9.50%. NPL ratio: 0.17% · Texas Ratio: 2.01%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Barwick Banking Company rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 9.50% | 0.86% | 0.17% | 2.01% | 3.91% |
| 2025-09-30 | 9.37% | 0.83% | 0.17% | 2.34% | 3.91% |
| 2025-06-30 | 9.15% | 0.69% | 0.04% | 0.41% | 3.83% |
| 2025-03-31 | 9.26% | 0.54% | 0.09% | 0.87% | 3.59% |
| 2024-12-31 | 9.19% | 0.76% | 0.10% | 0.95% | 3.49% |
| 2024-09-30 | 9.32% | 0.75% | 0.09% | 0.80% | 3.50% |
| 2024-06-30 | 9.25% | 0.64% | 0.09% | 0.85% | 3.45% |
| 2024-03-31 | 9.41% | 0.49% | 0.00% | 0.67% | 3.47% |
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Frequently asked about BARWICK BANKING COMPANY
What are Barwick Banking Company's total assets?
As of the Q4 2025 filing, Barwick Banking Company reported total assets of $728.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Barwick Banking Company headquartered?
Barwick Banking Company is headquartered in BARWICK, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Barwick Banking Company founded?
Barwick Banking Company was established in 1934, per the FDIC institution directory.
Is Barwick Banking Company FDIC-insured?
Yes. Barwick Banking Company is an FDIC-insured commercial bank (FDIC Certificate #22205). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Barwick Banking Company?
Barwick Banking Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Barwick Banking Company's CET1 capital ratio?
Barwick Banking Company reported a Common Equity Tier 1 (CET1) capital ratio of 9.50% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Barwick Banking Company operate?
Barwick Banking Company operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Barwick Banking Company's Texas Ratio?
Barwick Banking Company's Texas Ratio is 2.01% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.