Barwick Banking Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 7.6% higher than in Q1 2026, at $4.9M. Within Georgia, Barwick Banking Company is 97th of 121 on net interest margin, 3.88% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Barwick Banking Company reported 3.88% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.43% |
| Yield on loans | 6.74% |
| Yield on securities | 4.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.72% |
| Cost of interest-bearing deposits | 3.42% |
| Cost of interest-bearing liabilities | 3.41% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.88% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.5M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.09% | 2.60% | 3.60% | 6.39% | 3.30% |
| Q4 2023 | 6.29% | 2.82% | 3.62% | 6.57% | 3.59% |
| Q1 2024 | 6.45% | 3.10% | 3.46% | 6.75% | 3.32% |
| Q2 2024 | 6.61% | 3.25% | 3.44% | 6.91% | 3.58% |
| Q3 2024 | 6.77% | 3.42% | 3.49% | 7.12% | 3.64% |
| Q4 2024 | 6.55% | 3.21% | 3.47% | 6.98% | 3.79% |
| Q1 2025 | 6.45% | 2.92% | 3.61% | 6.79% | 4.16% |
| Q2 2025 | 6.60% | 2.88% | 3.83% | 6.94% | 4.02% |
| Q3 2025 | 6.71% | 2.94% | 3.90% | 7.04% | 4.15% |
| Q4 2025 | 6.60% | 2.86% | 3.89% | 6.94% | 4.06% |
| Q1 2026 | 6.39% | 2.72% | 3.84% | 6.72% | 4.00% |
| Q2 2026 | 6.43% | 2.72% | 3.88% | 6.74% | 4.20% |
Barwick Banking Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Barwick Banking Company, freeSource: Call Report Schedules RI and RC-K, 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)