BlastPoint's Banking Scorecard
Barwick Banking Company
Community
Specialty: Commercial
GA
FDIC cert 22205
Barwick, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Barwick Banking Company faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17% in Community
- - Loan-to-Deposit Ratio 20.53% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$728.2M
+32.6% YoY
+8.2% QoQ
|
-$663.2M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$611.6M
+38.1% YoY
+8.9% QoQ
|
-$363.9M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$590.4M
+19.5% YoY
+1.6% QoQ
|
-$574.2M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
0.74%
+10.3% YoY
+6.4% QoQ
|
-0.43% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.84%
+8.5% YoY
+0.5% QoQ
|
+0.18% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
67.23%
-4.1% YoY
-1.8% QoQ
|
+4.59% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.17%
+65.7% YoY
+2.2% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
103.59%
+15.6% YoY
+7.1% QoQ
|
+20.53% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.00%
+18.6% YoY
+16.5% QoQ
|
+2.95% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.19%
+124.7% YoY
-12.9% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
9.50%
+3.5% YoY
+1.5% QoQ
|
-0.74% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.24%
-8.9% YoY
+26.6% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Quality Pressure
risk
#141 of 808 · Bottom 17% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.17%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
103.59%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
73
73th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.00% · Tier avg: 21.05%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
42
42th pctile
Total Loans
Current: $611.6M · Tier avg: $975.5M
34
34th pctile
Efficiency Ratio
Current: 67.23% · Tier avg: 62.63%
30
30th pctile
Tier 1 Capital Ratio
Current: 9.50% · Tier avg: 10.24%
30
30th pctile
Total Assets
Current: $728.2M · Tier avg: $1.4B
27
27th pctile
Total Deposits
Current: $590.4M · Tier avg: $1.2B
21
21th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.16%
16
16th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.59% · Tier avg: 83.06%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.59% · Tier avg: 83.06%
16
16th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
21
21th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.16%
27
27th pctile
Total Deposits
Current: $590.4M · Tier avg: $1.2B
30
30th pctile
Total Assets
Current: $728.2M · Tier avg: $1.4B
30
30th pctile
Tier 1 Capital Ratio
Current: 9.50% · Tier avg: 10.24%
34
34th pctile
Efficiency Ratio
Current: 67.23% · Tier avg: 62.63%
42
42th pctile
Total Loans
Current: $611.6M · Tier avg: $975.5M
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.00% · Tier avg: 21.05%
73
73th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%