Barwick Banking Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loan-to-deposit ratio dropped 3.22 percentage points in Q2 2026, from 103.01% to 99.79%. It was the largest change from Q1 2026 among the key lines here. Among 122 Georgia banks, Barwick Banking Company sits 8th from the top on loan-to-deposit ratio, 99.79% as of Q2 2026. Barwick Banking Company reported 99.79% on loan-to-deposit ratio for Q2 2026, 18.96 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $43.1M |
| Cash and noninterest-bearing balances to assets | 4.77% |
| Cash and securities | $97.7M |
| Fed funds sold and reverse repos | $3.6M |
| Fed funds sold and reverse repos to assets | 0.43% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $53.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.38% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.79% |
| Net loans and leases to deposits | 98.82% |
| Loans and leases to core deposits | 123.38% |
| Core deposits to total deposits | 80.89% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 87.59% | 79.24% | $0 | $4.1M |
| Q4 2023 | 94.66% | 78.10% | $0 | $14.1M |
| Q1 2024 | 94.57% | 78.88% | $0 | $19.1M |
| Q2 2024 | 90.00% | 79.43% | $0 | $9.1M |
| Q3 2024 | 88.18% | 79.50% | $0 | $9.0M |
| Q4 2024 | 90.55% | 80.18% | $0 | $9.0M |
| Q1 2025 | 89.49% | 80.66% | $0 | $9.0M |
| Q2 2025 | 95.84% | 80.74% | $0 | $31.5M |
| Q3 2025 | 97.68% | 80.50% | $0 | $33.0M |
| Q4 2025 | 104.63% | 80.57% | $0 | $72.5M |
| Q1 2026 | 103.01% | 81.39% | $0 | $64.0M |
| Q2 2026 | 99.79% | 80.89% | $0 | $53.0M |
Barwick Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Barwick Banking Company, freeSource: Call Report Schedules RC and RC-M, 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)