PHENIX-GIRARD BANK is an 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%. CET1 capital ratio: 2.55%, below the well-capitalized threshold. NPL ratio: 0.02% · Texas Ratio: 0.16%. Operates 4 domestic branches.
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