# BARWICK BANKING CO
BARWICK, GA · FDIC certificate 22205 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $829.6M | |
| Deposits | $702.3M | |
| Loans and leases | $700.8M | |
| Total equity | $70.7M | |
| Loans / deposits | 98.82% (p87 of band) | 82.04% |
| Liquid assets / assets | 11.78% (p8 of band) | |
| Uninsured deposits / deposits | 42.14% (p90 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.38% (p65 of band) | |
| FHLB advances / assets | 5.91% | |
| Tier 1 leverage | 8.67% (p8 of band) | 10.81% |
| Unrealized securities loss / equity | -2.51% (p76 of band) | -8.10% |
| AOCI / equity | -0.90% (p25 of band) | |
| ROA (annualized) | 0.87% (p25 of band) | 1.28% |
| Net interest margin | 3.92% (p51 of band) | 3.91% |
| Efficiency ratio | 62.77% (p55 of band) | |
| Noncurrent loans | 0.49% (p54 of band) | 0.43% |
| Net charge-offs (annualized) | 0.09% (p82 of band) | |
| Reserve coverage of noncurrent | 200.12% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 107.93% (p89 of band) | |
| Auto loans | $1.4M (0.19% of loans; DQ 6.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 26.4% | |
| Employees | 97 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, losing money, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 3 |  | losing money, capital falling |
| 2012-03 | 3 | losing money | leverage <7% |
| 2012-06 | 3 |  |  |
| 2012-09 | 7 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2012-12 | 5 |  | deposits shrinking, assets shrinking |
| 2013-03 | 6 | capital falling, deposits shrinking, assets shrinking | noncurrent p90, reserve under noncurrent |
| 2013-06 | 5 |  | capital falling |
| 2013-09 | 3 |  | deposits shrinking, assets shrinking |
| 2013-12 | 3 |  |  |
| 2014-03 | 5 | leverage <7%, capital falling |  |
| 2014-06 | 3 |  | leverage <7%, capital falling |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 6 | capital falling | uninsured deposits leaving |
| 2016-06 | 3 |  | deposits shrinking, assets shrinking, capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 3 |  | losing money, deposits shrinking, assets shrinking |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | losing money | uninsured deposits leaving |
| 2019-03 | 3 | capital falling | losing money |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 4 | losing money, uninsured deposits leaving |  |
| 2020-03 | 2 |  | losing money, uninsured deposits leaving |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | losing money |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 | capital falling | NIM <2.5% |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 |  | expense ratio p90 |
| 2022-09 | 1 |  | losing money |
| 2022-12 | 2 | construction >100% equity |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | charge-offs p90 | capital falling |
| 2023-12 | 1 |  | charge-offs p90 |
| 2024-03 | 0 |  | construction >100% equity |
| 2024-06 | 2 | capital falling, construction >100% equity |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 0 |  | capital falling, construction >100% equity |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | construction >100% equity |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | loans exceed deposits |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | loans exceed deposits |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-10 [$50M of new capital primes small Georgia bank for growth - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxNZlUzY0hXNFJLSGlJLUQ5M3VaMk1GZEU3MzVCbDZ0TDN0NFdvTjhmQWtUMERWUFBkNldVWG9wQTdxUmktM0txOEoxc01kVGN6alZSSXd4aTVlU1Y0VnJWUGVJUEJrLWJwLUZhcEwzcVZRd0VsRGkxekdLSW11dlBfS1pxWEI5S2tnMFFSRkgzTG1BNGtrdWc?oc=5) · American Banker
- 2026-04-15 [Out-of-state Renasant Bank jumps to top of Northeast Florida's deposit rankings with $6.8B gain - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxOLTNCYkFZekxISHZaSjhXaFVFcFZjUnBPWUYxaWJGYlFjbDQ2UUtRYmZrcEd4d0g5Q1pzWFdHRVhEeFp3S1hHNFNxXzVWTFRMY3VfVm44emkyMEMyX0lvcGpCQjZsOFZiOVBZNDdHQnlNMUpKSlhlNHBmWElmY2lOTjFUZ0VyRWF3NFRZZ2tpeXd3N09uTV96aXNfNnRhdw?oc=5) · The Business Journals
- 2026-03-17 [Willie L Davis Obituary Mar 17, 2026 - Allen & Allen Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9sVDl6dXl2RDQ2X05LTXo5XzBQWDFBaTk5X3VIdDlLWGd0b1JpaXpJODBaVHgweThTOVNXYTJ0bllnblVYOVJCaVR1SDkzSjJFUHN3M2x5NHh4cmM?oc=5) · Allen &amp; Allen Funeral Home and Crematory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22205 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/61.json (key "22205", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide