Barwick Banking Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 13.17 percentage points lower than in Q1 2026, at 99.61%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $700.8M |
| Net loans and leases | $694.0M |
| Loans held for sale | $0 |
| Loans to total assets | 84.48% |
| Loan-to-deposit ratio | 99.79% |
| Net loans to equity capital | 9.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.92% |
| Multifamily (5+ residential) | 2.32% |
| Commercial and industrial | 4.96% |
| Consumer | 0.82% |
| Credit cards | 0.00% |
| Farm | 3.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 292.57% |
| Construction concentration (Tier 1 capital + allowance) | 99.61% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.76% |
| Interest income on loans | $11.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $324.6M | $370.6M | 50.60% | 8.01% | 1.13% |
| Q4 2023 | $357.2M | $377.3M | 50.27% | 8.43% | 1.04% |
| Q1 2024 | $382.0M | $403.9M | 50.52% | 8.33% | 0.88% |
| Q2 2024 | $409.5M | $455.0M | 50.02% | 7.86% | 0.95% |
| Q3 2024 | $422.5M | $479.1M | 50.58% | 6.01% | 0.93% |
| Q4 2024 | $447.5M | $494.1M | 52.90% | 6.57% | 0.85% |
| Q1 2025 | $486.4M | $543.5M | 52.88% | 6.66% | 0.79% |
| Q2 2025 | $532.4M | $555.5M | 52.21% | 6.22% | 0.70% |
| Q3 2025 | $567.4M | $580.9M | 51.56% | 6.08% | 0.66% |
| Q4 2025 | $617.8M | $590.4M | 50.63% | 5.96% | 0.59% |
| Q1 2026 | $663.2M | $643.8M | 49.19% | 4.79% | 0.78% |
| Q2 2026 | $700.8M | $702.3M | 49.92% | 4.96% | 0.82% |
Barwick Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Barwick Banking Company, freeSource: Call Report Schedule RC-C, 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)