BlastPoint's Banking Scorecard
Barwick Banking Company
Barwick, GA
6 branches across FL · GA
Barwick Banking Company has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.76% below tier average
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14.8% in tier
- - Loan-to-Deposit Ratio 25.35% above tier average
- - ROA 0.45% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$778.7M
+29.1% YoY
+6.9% QoQ
|
+$392.7M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
Top 9.2% in tier |
| Total Loans ? |
$656.5M
+36.3% YoY
+7.3% QoQ
|
+$400.8M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
Top 3.9% in tier |
| Total Deposits ? |
$643.8M
+18.4% YoY
+9.0% QoQ
|
+$315.8M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
Top 10.1% in tier |
| Return on Assets ? |
0.82%
+51.6% YoY
+10.9% QoQ
|
-0.45% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
3.90%
+7.9% YoY
+1.6% QoQ
|
-0.03% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
64.53%
-11.6% YoY
-4.0% QoQ
|
-0.76% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
0.16%
+66.2% YoY
-7.6% QoQ
|
-0.73% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
101.98%
+15.1% YoY
-1.6% QoQ
|
+25.35% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.36%
+8.5% YoY
-2.6% QoQ
|
+1.34% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.17%
+128.8% YoY
-7.0% QoQ
|
-0.46% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
9.67%
+4.5% YoY
+1.8% QoQ
|
-6.16% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.1% in tier |
| Non-Interest Income / Assets ? |
0.06%
+10.1% YoY
-75.2% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
26% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.