← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Georgia, the state note

Barwick Banking Co.

Barwick, Georgia · $830M in assets · beside the 11 other Georgia banks between $300M and $1B

The filing

8.5%
Equity / assets
12th of 12
99.8%
Loans / deposits
11th of 12
0.84%
ROA
11th of 12

Barwick Banking Co. is the fifth largest of the 12 Georgia banks nearest its size between $300M and $1B, with $830M in assets at 30 June 2026. Loans are 99.8% of deposits, 11th of 12 against a median of 82.7%, and equity is 8.5% of assets, the lowest in the cohort. Loans grew +31.6% in the year, 2nd of 12, and deposits grew 26.4%; the cohort's median loan growth is +6.9%.

Noncurrent loans are 0.49% of the book, 7th of 12 against a median of 0.48%; 1.40% is 30 to 89 days past due, and the allowance covers them 2.0 times. Commercial real estate is 32.0% of loans, 5th of 12 against a median of 34.7%, and 292% of capital, below the 300% screen, with construction at 99% against the 100% screen. CRE has grown +93.2% over 36 months, past the guidance's 50% prong.

Return on assets is 0.84%, 11th of 12 against a median of 1.56%, on an efficiency ratio of 62.8%, 11th of 12. Five years ago it was -2.83%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Equity as a share of assetsGA banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 12.7% FS First State Bank of Blakely 19.5% FC First Century Bank N.A. 16.2% FS FNB South 15.9% FA First American Bank & Trust Co. 13.0% AB Affinity Bank National Association 12.9% FN First National Community Bank 12.9% CT Citizens Trust Bank 12.5% PS Peach State Bank & Trust 9.5% OS Oconee State Bank 9.3% FM Farmers & Merchants Bank 8.6% PB Promiseone Bank 8.6% BB Barwick Banking Co. 8.5%
Loans, year over yearGA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.9% FC First Century Bank N.A. +49.7% BB Barwick Banking Co. +31.6% OS Oconee State Bank +16.2% FS FNB South +12.1% FA First American Bank & Trust Co. +11.5% FM Farmers & Merchants Bank +7.5% PS Peach State Bank & Trust +6.4% PB Promiseone Bank +2.5% FN First National Community Bank +2.3% AB Affinity Bank National Association +2.3% FS First State Bank of Blakely -1.0% CT Citizens Trust Bank -2.0%

SBA 7(a), FY2008 to FY2026

Barwick Banking Co. is the 243rd largest 7(a) lender into Florida of 528, with $5M across 12 loans, 0.0% of everything approved in the state (Live Oak Banking Company leads with $1.78B). Every market on its book has had an approval since FY2023.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Saint Johns, FL$3M50th of 1130.5%-0.0 pts
Volusia, FL$1M85th of 1370.2%thin
Prince William, VA$750K64th of 1050.2%thin
Flagler, FL$567K34th of 550.9%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services4$2M30.1%0.00%1355th of 2,596
Health care & social assistance2$1M21.2%0.00%1113th of 2,172
Wholesale trade1$750K14.0%0.00%982nd of 1,651
Professional & technical services1$644K12.0%0.00%1175th of 1,955
Arts, entertainment & recreation2$640K12.0%0.00%959th of 1,656
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Barwick Banking Co.
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans BB Barwick Banking Company 0.0% $5M · 12 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Barwick Banking Co.RankCohort median
Total CRE against capital, the 300% screen292%11th of 12237%
Construction against capital, the 100% screen99%10th of 1255%
Construction and land development, share of loans10.9%7th of 1210.6%
Non-owner-occupied nonfarm nonresidential, share of loans18.8%7th of 1217.8%
Total CRE, the guidance definition, share of loans32.0%5th of 1234.7%
CRE growth over 36 months, the third prong+93.2%10th of 12+41.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Affinity Bank National Association$915M1.1%61.6%0.47%0.03%1.2%102.1%12.9%
First American Bank & Trust Co.$902M2.0%49.6%0.00%0.00%1.1%94.2%13.0%
Farmers & Merchants Bank$862M1.6%48.1%1.86%0.22%1.2%79.1%8.6%
First Century Bank N.A.$832M1.8%62.3%0.00%0.00%0.4%20.3%16.2%
Barwick Banking Co.$830M0.8%62.8%0.49%0.10%1.0%99.8%8.5%
Promiseone Bank$812M1.5%58.1%0.81%0.10%1.0%84.5%8.6%
Citizens Trust Bank$790M1.6%54.1%1.63%0.04%1.3%57.5%12.5%
Peach State Bank & Trust$786M1.4%54.8%0.00%-0.02%1.1%74.1%9.5%
First National Community Bank$755M1.9%48.8%0.43%-0.01%1.3%82.7%12.9%
Oconee State Bank$744M0.8%73.3%2.83%0.02%1.3%82.7%9.3%
FNB South$735M2.6%46.1%0.00%-1.40%3.2%81.5%15.9%
First State Bank of Blakely$668M1.8%51.4%3.36%0.00%1.5%85.3%19.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Barwick Banking Co.Cohort median
20212026Change20212026Change
Loans$68M$701M+923%$320M$542M+69%
Deposits$71M$702M+883%$463M$698M+51%
NPA / loans0.00%0.49%+0.49 pts0.96%0.48%-0.48 pts
Efficiency209.3%62.8%-146.5 pts64.3%54.4%-9.9 pts
ROA-2.83%0.84%+3.67 pts1.01%1.56%+0.55 pts

This read was prepared for Barwick Banking Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Barwick Banking Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort GA banks $300M to $1B
Institution www.barwickbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue