BanksPHENIX-GIRARD BANK

PHENIX-GIRARD BANK

PHENIX CITY, ALSmallEst. May 4, 1904, midnightFDIC #41RSSD #432432FDIC
Latest · 2025-12-31

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.

Assets
$345M
Deposits
$328M
Loans
$82M
Equity
$9M

Profitability

Return on Assets (ROA)0.96%
Return on Equity (ROE)37.87%
Net Interest Margin2.90%
Yield on Assets4.96%
Cost of Funds1.99%

Asset Quality

NPL Ratio0.02%
Net Charge-Off Ratio0.16%
Texas Ratio0.16%
NPA Ratio0.00%
ACL / Loans1.32%

Capital & Liquidity

CET1 Ratio2.55%
Tier 1 Capital2.55%
Total Capital Ratio2.68%
Leverage Ratio11.52%
Loan-to-Deposit25.06%

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