BlastPoint's Banking Scorecard
Barwick Banking Company
Barwick, GA
7 branches across FL · GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
- Deposits +26.4% year over year ($702.3M on the books).
- Delinquency rate 0.49%.
- Return on assets 0.87%.
- Efficiency ratio 62.77% vs a 64.48% peer average.
- Loan-to-deposit ratio 98.82% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Barwick Banking Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.70% below tier average
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Net Interest Margin 0.06% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$829.6M
+29.2% YoY
+6.5% QoQ
|
+$443.0M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
Top 6.7% in tier |
| Total Loans ? |
$694.0M
+31.7% YoY
+5.7% QoQ
|
+$435.6M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
Top 2.6% in tier |
| Total Deposits ? |
$702.3M
+26.4% YoY
+9.1% QoQ
|
+$375.5M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
Top 6.7% in tier |
| Return on Assets ? |
0.87%
+41.6% YoY
+6.8% QoQ
|
-0.45% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
27% |
| Net Interest Margin ? |
3.92%
+4.7% YoY
+0.6% QoQ
|
-0.06% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
62.77%
-10.3% YoY
-2.7% QoQ
|
-1.70% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
0.49%
+212.2% QoQ
|
-0.42% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
98.82%
+4.2% YoY
-3.1% QoQ
|
+20.86% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 11.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.93%
+3.3% YoY
-6.1% QoQ
|
-0.10% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.41%
+137.6% QoQ
|
-0.26% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
9.60%
+4.9% YoY
-0.8% QoQ
|
-6.31% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.9% in tier |
| Non-Interest Income / Assets ? |
0.12%
-9.9% YoY
+95.9% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
25% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.9%
+0.7pp YoY -1.4pp QoQ |
-0.2pp | 22.1% | 26.2% | 22.2% | 54% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.0%
-1.3pp YoY +0.2pp QoQ |
-6.6pp | 11.6% | 9.7% | 12.5% | 20% |
| CRE |
63.8%
-1.8pp YoY -1.0pp QoQ |
+24.2pp | 39.5% | 48.9% | 41.4% | 88% |
| 1-4 Family |
27.0%
+0.3pp YoY +0.4pp QoQ |
-5.6pp | 32.6% | 31.7% | 31.3% | 45% |
| Consumer |
0.8%
+0.1pp YoY 0.0pp QoQ |
-3.3pp | 4.1% | 4.8% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
9.6%
+0.4pp YoY -0.1pp QoQ |
-9.2pp | 18.8% | 20.9% | 19.7% | 1% |
| Leverage Ratio |
8.7%
+0.3pp YoY -0.1pp QoQ |
-3.5pp | 12.2% | 14.0% | 12.6% | 8% |
| Total Capital Ratio |
10.6%
+0.4pp YoY -0.1pp QoQ |
-9.4pp | 19.9% | 22.1% | 20.8% | 1% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
97
+20 (+26.0%) YoY +12 (+14.1%) QoQ |
+38 | 58 | 98 | 482 | 86% |
| Assets per Employee ($) |
$8.6M
+2.6% YoY -6.6% QoQ |
+$1.0M | $7.5M | $7.5M | $8.8M | 75% |
| Branch Count |
7
+1 (+16.7%) YoY +1 (+16.7%) QoQ |
+2 | 4 | 6 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.4pp YoY +0.3pp QoQ |
-0.4pp | 0.9% | 0.8% | 1.0% | 52% |
| Allowance Coverage |
2.00x
-91.3% YoY -68.6% QoQ |
-22.15x | 24.15x | 38.10x | 20.23x | 48% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 77% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
+2.5pp YoY +0.7pp QoQ |
-2.0pp | 12.2% | 13.6% | 11.6% | 38% |
| Cost of Funds (YTD) |
2.6%
-0.2pp YoY 0.0pp QoQ |
+0.9pp | 1.7% | 1.6% | 1.7% | 92% |
| Net Income ($, YTD) |
$3.4M
+84.4% YoY — QoQ |
+$850K | $2.6M | $6.6M | $40.4M | 74% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.