Barwick Banking Company
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Data as of · sourced from FFIEC call reports. How we update
Barwick Banking Company is an FDIC-insured commercial bank headquartered in Barwick, GA, established in 1934 (FDIC certificate 22205), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $829.6M, up 29.2% from Q2 2025, the 17th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 9.60% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22205
- Headquarters
- Barwick, GA
- Established
- 1934
- Total assets, Q2 2026
- $829.6M
- Assets vs Q2 2025
- +29.2%
- CET1 ratio, Q2 2026
- 9.60%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 061211427
- Latest call report
- Q2 2026, FFIEC 041 · Barwick Banking Company call report
- Holding company
- BARWICK BANCORP, INC.
- Asset rank in state
- 17th of 121 in Georgia
Barwick Banking Company pays more for its money than most banks of its size. Based in Barwick, Georgia, it had $830 million in assets at June 30, 2026, up 29.2% from a year earlier. It pays an average of 2.72% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds common equity equal to 9.60% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $1.9 million, 74% above the same quarter a year earlier. Over the same year, loans grew 31.6% and deposits grew 26.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
As of June 30, 2026, Barwick Banking Company reported a CET1 capital ratio of 9.60%, a return on assets of 0.92%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 2.64%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Barwick Banking Company is the 17th largest of the 121 banks headquartered in Georgia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.5% to $829.6M, loans rose 5.7% and deposits rose 9.1%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 31.2% of total loans, ahead of 1-4 family residential loans at 26.7%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities across 2 states; its Saint Augustine office books 38% of its branch deposits. On its Q2 2026 call report, Barwick Banking Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2020 E Main St, Barwick, GA 31720
- County
- Brooks
- Metro Area
- Valdosta, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1934
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 97
- Domestic deposits
- $702.3M
- Allowance for credit losses
- $6.9M
- Net charge-offs (YTD)
- $339K
- Average total assets
- $806.5M
- Average total loans
- $683.6M
- Average interest-bearing deposits
- $524.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 6, 1976
- FDIC Cert
- 22205
- Fed RSSD
- 1007734
- Website
- www.barwickbank.com →
- Parent Holding Company
- BARWICK BANCORP, INC. (RSSD 5786185)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Barwick Banking Company's total assets ranged from $408.9M (Q3 2023) to $829.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$829.6M total assets against $641.9M; $758.9M total liabilities against $589.9M.
$694.0M net loans and leases against $527.0M; $702.3M total deposits against $555.5M.
$54.6M securities against $40.1M; $43.1M cash and balances due against $40.5M.
$12.4M total interest income against $9.7M; $4.9M total interest expense against $4.1M.
$7.5M net interest income against $5.6M.
$513K total noninterest income against $514K; $4.9M total noninterest expense against $4.1M.
$575K provision for credit losses against $550K.
$1.9M net income against $1.1M.
0.92% return on assets against 0.69%; 3.88% net interest margin against 3.83%.
9.60% CET1 capital ratio against 9.15%; 8.67% tier 1 leverage ratio against 8.35%.
Inside the full Barwick Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Barwick Banking Company rankings
Its closest position to the top of a national ranking is 1,211 of 4,196, for total assets; its furthest is 2,123 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q1 2025) to 0.92% (Q2 2026) and its net interest margin ran from 3.47% (Q4 2024) to 3.90% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.60% | 0.92% | 0.49% | 2.64% | 3.88% |
| Q1 2026 | 9.67% | 0.82% | 0.16% | 1.42% | 3.84% |
| Q4 2025 | 9.50% | 0.87% | 0.17% | 1.55% | 3.89% |
| Q3 2025 | 9.37% | 0.83% | 0.17% | 1.84% | 3.90% |
| Q2 2025 | 9.15% | 0.69% | 0.04% | 0.41% | 3.83% |
| Q1 2025 | 9.26% | 0.54% | 0.09% | 0.71% | 3.61% |
| Q4 2024 | 9.19% | 0.75% | 0.10% | 0.82% | 3.47% |
| Q3 2024 | 9.32% | 0.74% | 0.09% | 0.80% | 3.49% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| St. Augustine Branch | Saint Augustine , FL | 32080 | $267.8M |
| Daytona Beach Branch | Daytona Beach , FL | 32117 | $200.9M |
| Gainesville Office Branch | Newberry , FL | 32669 | $92.3M |
| Palatka Branch | Palatka , FL | 32177 | $81.6M |
| Boston Branch | Boston , GA | 31626 | $31.4M |
| Barwick Banking Company (main office) | Barwick , GA | 31720 | $23.1M |
| Chiefland Branch | Chiefland , FL | 32626 | $5.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 165 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $1.2M approved, $296K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Barwick Banking Company
What are Barwick Banking Company's total assets?
As of the Q2 2026 filing, Barwick Banking Company reported total assets of $829.6 million in its FFIEC call report.
Where is Barwick Banking Company headquartered?
It is headquartered in Barwick, GA, United States.
When was Barwick Banking Company founded?
It was established in 1934, per the FDIC institution directory.
Is Barwick Banking Company FDIC-insured?
Yes. It 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.
What is Barwick Banking Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.60% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Barwick Banking Company operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Barwick Banking Company's Texas Ratio?
Its Texas Ratio is 2.64% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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