Barwick Banking Company


2020 East Main Street
Barwick, GA 31720
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Barwick Banking Company is an FDIC insured institution located in Barwick, GA. It was founded in 1934 and has approximately $0.09 billion in assets.

FDIC Insured Yes
FDIC Certificate # 22205
Date Established 1934
Assets $ 91.51 million
Loans $ 67.77 million
Deposits $ 71.46 million
Capital $ 19.86 million

For a more detailed analysis of Barwick Banking Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 19, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 19, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Barwick Banking Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 330511
3.149% 3.125%
0.25 points
$760 fees
$1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Barwick Banking Company
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Climate Initiatives

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Financial Details

Barwick Banking Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Barwick Banking Company. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Barwick Banking Company U.S. Bank Average
0% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Barwick Banking Company had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,855,000 in equity and $715,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Barwick Banking Company U.S. Bank Average
-12.61% 11.29%

Barwick Banking Company has a Return on Equity of -12.61% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Barwick Banking Company U.S. Bank Average
21.7% 11.72%

Barwick Banking Company has a Capitalization of 21.7% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Barwick Banking Company Balance Sheet Analysis

As of June 30, 2021, Barwick Banking Company had assets of $91,505,000, loans of $67,773,000, and deposits of $71,461,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 13.42 million
Interest-bearing balances $ 12.37 million
Total securities $ 6.94 million
Federal funds sold and reverse repurchase $ 1.48 million
Net loans and leases $ 67.77 million
Loan loss allowance $ 0.72 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.16 million
     Total Assets $ 71.65 million
Total deposits $ 71.46 million
      Interest-bearing deposits $ 45.40 million
      Deposits held in domestic offices $ 71.46 million
      % insured (estimated) 77.08%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.19 million
      Total Liabilities $ 71.65 million
      Shareholders’ Equity $ 19.86 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 0.93 million
Total Interest Expense $ 0.06 million
Net interest income $ 0.87 million
Provision for loan and lease losses $ 0.52 million
Total non interest income $ 0.01 million
Total non interest expense $ 1.84 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Barwick Banking Company’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Georgia, Barwick Banking Company has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.01
Credit Card Loans 0.00
Consumer Auto Loans 1.34
Small Business Loans 32.64
Construction and Development Loans 0.33
Commercial Real Estate 60.76
Commercial and Industrial Loans 18.98
Farm Loans 1.31

Frequently Asked Questions About Barwick Banking Company

Branches and Savings

Is Barwick Banking Company FDIC insured?

Yes. It is covered under FDIC Certificate #22205.

Why does Barwick Banking Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Barwick Banking Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Barwick Banking Company a commercial bank?


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Is Barwick Banking Company open on Saturdays?

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Are Barwick Banking Company ATMs Open 24/7?

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Does Barwick Banking Company Report to credit bureaus?

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Does Barwick Banking Company offer mortgages?

Compare mortgage rates here.

Does Barwick Banking Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Barwick Banking Company offer personal loans?

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Does Barwick Banking Company offer student loans?

Will Barwick Banking Company cash a check?

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Background on The Bank

Who owns Barwick Banking Company?

How long has Barwick Banking Company been around?

Can Barwick Banking Company transfer to other banks?

Does Barwick Banking Company have quick pay?

Does Barwick Banking Company accept rolled coins?

Will Barwick Banking Company accept loose change?

Where is Barwick Banking Company headquarters?

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