Phenix-Girard Bank
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Data as of · sourced from FFIEC call reports. How we update
Phenix-Girard Bank is an FDIC-insured commercial bank headquartered in Phenix City, AL, established in 1904 (FDIC certificate 41), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $342.3M, up 5.9% from Q2 2025, the 47th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 41
- Headquarters
- Phenix City, AL
- Established
- 1904
- Total assets, Q2 2026
- $342.3M
- Assets vs Q2 2025
- +5.9%
- Tier 1 leverage ratio, Q2 2026
- 11.76%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 062201106
- Latest call report
- Q2 2026, FFIEC 051 · Phenix-Girard Bank call report
- Holding company
- PHENIX-GIRARD BANCSHARES, INC.
- Asset rank in state
- 47th of 93 in Alabama
Phenix-Girard Bank, based in Phenix City, Alabama, reported $342 million in assets at June 30, 2026, up 5.9% from a year earlier. It keeps 2.52 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also shrank its loan book 0.0% over the year, lower than about three-quarters of banks its size (median 5.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $38 million equal 85% of Tier 1 capital, down from 99% a year earlier. Earnings jumped: net income for the quarter was $1.1 million, 45% above the same quarter a year earlier.
As of June 30, 2026, Phenix-Girard Bank reported a return on assets of 1.16%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 4.16%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Phenix-Girard Bank is the 47th largest of the 93 banks headquartered in Alabama. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $342.3M, loans rose 3.2% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.2% of total loans, ahead of construction and land development loans at 28.9%. Its 4 offices in the FDIC Summary of Deposits are in Phenix City, AL and Smiths, AL; its Phenix City 3 offices book 97% of its branch deposits. On its Q2 2026 call report, Phenix-Girard Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 801 13th St, Phenix City, AL 36867
- County
- Russell
- Metro Area
- Columbus, GA-AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 4, 1904
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $323.6M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $381.1M
- Average total loans
- $81.3M
- Average interest-bearing deposits
- $255.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 41
- Fed RSSD
- 432432
- Website
- www.phenix-girard.com →
- Parent Holding Company
- PHENIX-GIRARD BANCSHARES, INC. (RSSD 2013246)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Phenix-Girard Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Phenix-Girard Bank's total assets ran between $256.8M (Q3 2023) and $345.4M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$342.3M total assets against $323.3M; $333.3M total liabilities against $320.2M.
$81.2M net loans and leases against $81.1M; $323.6M total deposits against $311.0M.
$223.1M securities against $200.3M; $26.1M cash and balances due against $29.7M.
$3.9M total interest income against $3.7M; $1.6M total interest expense against $1.6M.
$2.3M net interest income against $2.1M.
$739K total noninterest income against $416K; $1.8M total noninterest expense against $1.7M.
$12K provision for credit losses against $12K.
$1.1M net income against $762K.
1.16% return on assets against 0.84%; 2.52% net interest margin against 2.42%.
11.76% tier 1 leverage ratio against 11.75%.
Inside the full Phenix-Girard Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePhenix-Girard Bank rankings
Its closest position to the top of a national ranking is 1,530 of 3,640, for Texas Ratio; its furthest is 2,137 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.72% (Q1 2026) to 1.16% (Q2 2026) and its net interest margin ran from 2.31% (Q4 2024) to 2.55% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.76% | 1.16% | 0.51% | 4.16% | 2.52% |
| Q1 2026 | 11.40% | 0.72% | 0.40% | 4.08% | 2.55% |
| Q4 2025 | 11.52% | 0.87% | 0.02% | 0.16% | 2.51% |
| Q3 2025 | 11.78% | 0.76% | 1.37% | 11.94% | 2.49% |
| Q2 2025 | 11.75% | 0.84% | 0.42% | 8.02% | 2.42% |
| Q1 2025 | 11.63% | 0.80% | 0.19% | 8.03% | 2.40% |
| Q4 2024 | 12.02% | 0.75% | 0.77% | 164.49% | 2.31% |
| Q3 2024 | 12.65% | 0.73% | 0.79% | 8.37% | 2.34% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Phenix-Girard Bank (main office) | Phenix City , AL | 36867 | $277.6M |
| Highway 280 Branch | Phenix City , AL | 36867 | $26.3M |
| Smith Station Branch | Smiths , AL | 36877 | $10.2M |
| Stadium Drive Branch | Phenix City , AL | 36867 | $9.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AL, rank 63 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 56 applications, 54 loans originated, $6.3M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Phenix-Girard Bank
What are Phenix-Girard Bank's total assets?
As of the Q2 2026 filing, Phenix-Girard Bank reported total assets of $342.3 million in its FFIEC call report.
Where is Phenix-Girard Bank headquartered?
It is headquartered in Phenix City, AL, United States.
When was Phenix-Girard Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Phenix-Girard Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #41). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Phenix-Girard Bank?
Phenix-Girard Bank's primary federal regulator is the FDIC.
How many branches does Phenix-Girard Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Phenix-Girard Bank's Texas Ratio?
Its Texas Ratio is 4.16% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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