FDIC Cert #22205 · Barwick, Georgia · Est. 1934

Barwick Banking Company - FDIC Bank Health Profile

A community-scale look at Barwick Banking Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$728M
Total assets
C
Health grade · Fair
0.74%
Return on assets
9.5%
Tier 1 capital

Data updated July 2026

The verdict

Barwick Banking Company earns a PlainBankData health grade of C (60/100), with 9.50% Tier 1 capital, 0.74% ROA, 67% efficiency ratio.

#1,346
largest of 4,313 FDIC banks by assets
69th
percentile by asset size, nationally
9.50%
Tier 1 ratio - below the 10% well-capitalized line
26th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 22205 · GA C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3770/4307
  • PHOTO-FINISH First Utah Bank · UT
  • TIER1-ADEQ 9.5% Tier 1
  • TEXAS-CLEAN 1.5% Texas
  • ROA-THIN 0.74% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: First Utah Bank, UT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Barwick Banking Company

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Pensacola · FL · near60/100Barwick Banking Comp… · GA ·…60/100Eastern National Bank · FL ·…60/100First Utah Bank · UT · near60/100Old Glory Bank · OK · near60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Barwick Banking Company · July 2026

Call Report read for Barwick Banking Company in a high-failure state

Barwick Banking Company (FDIC Cert #22205) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,770 of 4,307. Tier 1 capital prints at 9.50%, missing the 10% well-capitalized line. The Texas Ratio is 1.54%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.74%. Balance-sheet scale is $728M, 1,346th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Utah Bank (UT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Barwick Banking Company

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

Barwick Banking Company sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about Barwick Banking Company's current Call Report.

  • THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
  • CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
  • THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.

How Barwick Banking Company's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Barwick Banking Company's composite health score
Tier 1 Capital Ratio (9.50%) 18/40
Return on Assets (ROA) (0.74%) 14/25
Texas Ratio (1.54%) 20/20
Efficiency Ratio (67.23%) 8/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$728M

Total balance-sheet footings

Total Deposits

$590M

Customer-funded liabilities

Net Loans

$612M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.1% 9.5% 10.9%
Basel III capital ratios - Barwick Banking Company

Where Barwick Banking Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Barwick Banking Company's score of 60/100 falls in the highlighted band.

Barwick Banking Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 12th percentile higher than 12% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Barwick Banking Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Barwick Banking Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Barwick Banking Company's $728M falls in the highlighted band.

Capital & credit buffers at Barwick Banking Company

Tier 1 capital ratio
Well-capitalized 10%

9.50% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.50%
Texas Ratio
1.54%
Equity Capital
$62M

What these ratios mean →

Profitability metrics: Barwick Banking Company

Return on Assets (ROA)
26th percentile nationally
0.74%
Return on Equity (ROE)
9.02%
Efficiency Ratio
67.23%

What these mean →

Income & expense at Barwick Banking Company

$40M
Interest Income
$2M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Barwick Banking Company reports a Texas Ratio of 1.54% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.54% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Barwick Banking Company on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($728M here), outside Georgia so the neighborhood is not state containment.

Harford Bank $728M · MD Lake Shore Bank $728M · NY First Bank $730M · IA Countybank $730M · SC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Barwick Banking Company (FDIC Cert #22205) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Barwick Banking Company Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Georgia

All Georgia banks →
BankAssetsGradeROA
Ameris BankAtlanta $27.4B A 1.64%
RBC Bank, (Georgia) National AssociationAtlanta $8.0B A 2.48%
Metro City BankDoraville $4.7B A 1.79%
Colony BankFitzgerald $3.7B B 0.92%
Georgia Banking CompanyAtlanta $2.7B B 0.96%
United BankZebulon $2.3B A 2.66%
Pinnacle BankElberton $2.3B B 1.29%
Queensborough National Bank & Trust CompanyLouisville $2.2B A 1.05%