PHENIX-GIRARD BANK is asn small FDIC-insured commercial bank headquartered in PHENIX CITY, AL, established in May 4, 1904, midnight. As of 2025-12-31, the bank reported total assets of $345M and total deposits of $328M. Profitability stands at 0.96% ROA and 37.87% ROE, with a net interest margin of 2.90%. The bank's CET1 capital ratio is 2.55%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.16%. FDIC Certificate #41.
Assets
$345M
Deposits
$328M
Loans
$82M
Equity
$9M
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