Barwick Banking Company

Headquarters

2020 East Main Street
Barwick, GA 31720
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.55% →
1-Year CD N.A. 1.35% →
2-Year CD N.A. 1.35% →
5-Year CD N.A. 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Barwick Banking Company is an FDIC insured institution located in Barwick, GA. It was founded in 1934 and has approximately $0.01 billion in assets.

FDIC Insured Yes
FDIC Certificate # 22205
Date Established 1934
Assets $ 14.03 million
Loans $ 1.18 million
Deposits $ 12.56 million
Capital $ 1.46 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 - June 6, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - June 6, 2020

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 2020

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.019% 3.000% 0.25 $625 $1,055 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More

Note to Barwick Banking Company
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Branches

Barwick Banking Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Barwick Banking Company Locations


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 BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
Barwick Banking Company U.S. Bank Average
0% 6.51%

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 December 31, 2019, Barwick Banking Company had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $1,461,000 in equity and $45,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Barwick Banking Company U.S. Bank Average
-1.14% 9.41%

Barwick Banking Company has a Return on Equity of -1.14% versus the BestCashCow average of 9.41%. 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.

Capitalization
Barwick Banking Company U.S. Bank Average
10.41% 12.82%

Barwick Banking Company has a Capitalization of 10.41% versus the BestCashCow average of 12.82. 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 December 31, 2019, Barwick Banking Company had assets of $14,028,000, loans of $1,182,000, and deposits of $12,561,000. 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

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 6.57 million
Interest-bearing balances $ 6.09 million
Total securities $ 5.77 million
Federal funds sold and reverse repurchase $ 0.39 million
Net loans and leases $ 1.18 million
Loan loss allowance $ 0.05 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 $ 0.09 million
     Total Assets $ 12.57 million
LIABILITIES
Total deposits $ 12.56 million
      Interest-bearing deposits $ 8.54 million
      Deposits held in domestic offices $ 12.56 million
      % insured (estimated) 89.42%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.01 million
      Total Liabilities $ 12.57 million
      Shareholders’ Equity $ 1.46 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 0.35 million
Total Interest Expense $ 0.09 million
Net interest income $ 0.26 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.02 million
Total non interest expense $ 0.29 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Barwick Banking Company’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Georgia, Barwick Banking Company has a significantly higher percent of Farm Loans 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 6.94
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.44
Small Business Loans 5.33
Construction and Development Loans 0.00
Commercial Real Estate 5.33
Commercial and Industrial Loans 12.86
Farm Loans 22.59

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?

Yes

Where are Barwick Banking Company locations?

See branch locations nearby.

Is Barwick Banking Company open on Saturdays?

Is Barwick Banking Company open on Sundays?

What time does Barwick Banking Company open?

What time does Barwick Banking Company close?

Are Barwick Banking Company ATMs Open 24/7?

Do Barwick Banking Company ATMs accept cash deposits?

Can Barwick Banking Company customers use other ATMs?

Do Barwick Banking Company branches have notaries?

Will Barwick Banking Company notarize my document?

What address for Barwick Banking Company should I put for incoming ACH transfers?

Will the Barwick Banking Company branch print checks?

Do Barwick Banking Company checks expire?

Does Barwick Banking Company require US citizenship to open account?

Can Barwick Banking Company close my account?

Does Barwick Banking Company Report to credit bureaus?

Does Barwick Banking Company Use Equifax?

What is Barwick Banking Company's ACH Routing Number?

What is Barwick Banking Company's SWIFT code?

Products

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?

Compare personal loan rates here.

Does Barwick Banking Company offer student loans?

Will Barwick Banking Company cash a check?

Will Barwick Banking Company redeem a savings bond?

Does Barwick Banking Company cash savings bonds?

Will Barwick Banking Company cash money orders?

Can Barwick Banking Company issue a money order?

Does Barwick Banking Company do currency exchange?

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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