Barwick Banking Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings climbed 19.8% in Q2 2026, from $9.4M to $11.3M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Barwick Banking Company is 1st from the bottom among 79 Georgia banks, 9.60% (Q2 2026). Barwick Banking Company reported 9.60% on CET1 ratio for Q2 2026, 5.47 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.60% |
| Tier 1 risk-based capital ratio | 9.60% |
| Total risk-based capital ratio | 10.58% |
| Tier 1 leverage ratio | 8.67% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $69.7M |
| Tier 1 capital | $69.7M |
| Total risk-based capital | $76.9M |
| Total equity capital | $70.7M |
| Risk-weighted assets | $726.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.52% |
| Tangible equity to tangible assets | 8.52% |
| Equity capital to average assets | 8.77% |
| Internal capital growth rate | 11.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $16.8M |
| Common stock surplus | $43.9M |
| Retained earnings | $11.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.09% | 10.09% | 11.19% | 8.43% | $336.8M |
| Q4 2023 | 9.67% | 9.67% | 10.74% | 8.52% | $368.0M |
| Q1 2024 | 9.41% | 9.41% | 10.48% | 8.28% | $395.2M |
| Q2 2024 | 9.25% | 9.25% | 10.29% | 8.20% | $425.9M |
| Q3 2024 | 9.32% | 9.32% | 10.38% | 7.84% | $440.8M |
| Q4 2024 | 9.19% | 9.19% | 10.21% | 8.03% | $474.8M |
| Q1 2025 | 9.26% | 9.26% | 10.26% | 8.36% | $514.8M |
| Q2 2025 | 9.15% | 9.15% | 10.17% | 8.35% | $562.8M |
| Q3 2025 | 9.37% | 9.37% | 10.38% | 8.42% | $586.8M |
| Q4 2025 | 9.50% | 9.50% | 10.51% | 8.73% | $637.7M |
| Q1 2026 | 9.67% | 9.67% | 10.68% | 8.81% | $684.6M |
| Q2 2026 | 9.60% | 9.60% | 10.58% | 8.67% | $726.5M |
Barwick Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Barwick Banking Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Barwick Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22205) · FFIEC NIC profile (RSSD 1007734)