TellerScore

Barwick Banking Company (FDIC certificate #22205) is based in Barwick, Georgia. Its Q2 2026 call report shows $829.6M in total assets and $702.3M in deposits and 7 offices across 2 states.

Barwick Banking Company has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 113th. Problem-loan coverage contributes the most (91/100, 4.4%); funding & liquidity contributes the least (31/100, 99% loans-to-deposits, 42% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.67%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.49%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity31/100
Loans ÷ deposits and uninsured-deposit share: 98.8% · 42.1% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.42%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (59 → 57), mostly because the loan quality component weakened by 15 points.

TellerScore
575960Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202458
Q4 202459
Q1 202559
Q2 202559
Q3 202558
Q4 202559
Q1 202660
Q2 202657
Tier 1 leverage ratio
5.00%6.90%8.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.20%
Q3 20247.84%
Q4 20248.03%
Q1 20258.36%
Q2 20258.35%
Q3 20258.42%
Q4 20258.73%
Q1 20268.81%
Q2 20268.67%
Noncurrent loans
0.04%0.27%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.09%
Q4 20240.10%
Q1 20250.09%
Q2 20250.04%
Q3 20250.17%
Q4 20250.17%
Q1 20260.16%
Q2 20260.49%
Return on assets
0.54%0.71%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.63%
Q4 20240.67%
Q1 20250.54%
Q2 20250.62%
Q3 20250.69%
Q4 20250.74%
Q1 20260.82%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$829.6M8.67%0.49%0.87%98.8%
Q1 202660$778.7M8.81%0.16%0.82%102.0%
Q4 202559$728.2M8.73%0.17%0.74%103.6%
Q3 202558$673.1M8.42%0.17%0.69%96.7%
Q2 202559$641.9M8.35%0.04%0.62%94.9%
Q1 202559$603.3M8.36%0.09%0.54%88.6%
Q4 202459$549.3M8.03%0.10%0.67%89.6%
Q3 202458$532.1M7.84%0.09%0.63%87.2%
Q2 202459$505.4M8.20%0.09%0.57%89.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.67%
8th
Total risk-based capital10.58%
49th
Problem loans0.49%
46th
Net charge-offs0.10%
20th
Return on assets0.87%
27th
Net interest margin3.92%
49th
Efficiency ratio62.8%
49th
Loans to deposits98.8%
12th
Uninsured deposits42.1%
8th
Loan-loss reserves0.98%
24th
Texas ratio4.4%
39th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
First Century Bank, National AssociationBank Commerce, GA90 out of 100, Very strong$831.6M16.8%0.00%vs
PromiseOne BankBank Duluth, GA68 out of 100, Moderate$812.2M10.1%0.81%vs
Farmers and Merchants BankBank Lakeland, GA58 out of 100, Moderate$862.0M9.7%1.86%vs
Citizens Trust BankBank Atlanta, GA71 out of 100, Strong$790.3M13.2%1.63%vs
First American Bank and Trust CompanyBank Athens, GA86 out of 100, Very strong$901.9M13.3%0.00%vs
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs

Deposit insurance

Is my money safe at Barwick Banking Company?

Yes. Barwick Banking Company is an FDIC-insured institution (FDIC certificate #22205). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.1% of deposits ($296.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.67%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.58% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Barwick Banking Company lists 7 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Barwick Banking Company
Type
State-chartered bank
FDIC certificate #
22205
RSSD ID
1007734
Primary regulator
FDIC
Holding company
Barwick Bcorp Inc
Established
January 1, 1934
Headquarters
2020 E Main St, Barwick, GA 31720
Employees
97

Quick answers

Barwick Banking Company: common questions

Is Barwick Banking Company FDIC insured?

Yes. Barwick Banking Company is an FDIC-insured institution (FDIC certificate #22205). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Barwick Banking Company's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Barwick Banking Company ever failed?

There is no failure record for FDIC certificate #22205 in the FDIC failed bank list.

How many branches does Barwick Banking Company have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Barwick

InstitutionScoreAssetsCapitalProblem loansCompare
Colquitt County Teacher Federal Credit UnionCredit union Moultrie, GA95 out of 100, Very strong$10.3M23.6%0.12%vs
The Trust BankBank Lenox, GA86 out of 100, Very strong$47.0M16.2%1.36%vs
South Georgia Banking CompanyBank Omega, GA85 out of 100, Very strong$570.1M13.9%0.55%vs
Moultrie Bank & TrustBank Moultrie, GA82 out of 100, Strong$150.6M14.1%0.10%vs
The Citizens National Bank of QuitmanBank Quitman, GA81 out of 100, Strong$133.7M11.6%0.21%vs
Commercial Banking CompanyBank Valdosta, GA79 out of 100, Strong$409.5M10.3%0.04%vs