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Phenix-Girard Bank Locations & Branches Phenix City, Alabama
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Phenix-Girard Bank operates 4 branches from its headquarters in Phenix City, AL, .
Phenix-Girard Bank branch network
All 4 branches are in ALABAMA, across 2 cities. Phenix City, AL has the most of its branches, 3. Its largest office by deposits is its main office in Phenix City, AL, with $277.6M (85.8% of its branch deposits). It had the same number of branches on June 30, 2025.
Phenix-Girard Bank at a glance
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.
- Total assets, Q2 2026
- $342.3M
- Tier 1 leverage ratio, Q2 2026
- 11.76%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1904
Full financial profile · Is Phenix-Girard Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Phenix City, AL (3 branches) | 2 of 6 | 31.7% | $313.4M |
| State: AL (4 branches) | 63 of 131 | 0.2% | $323.6M |
Ranked by total assets among banks headquartered in the state: Largest banks in Alabama.
Share by county and metro area
Phenix-Girard Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Russell, AL (3 branches) | 2 of 6 | 31.7% | $313.4M | $987.3M |
| Lee, AL (1 branch) | 21 of 21 | 0.2% | $10.2M | $4.48B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Columbus, GA-AL (3 branches) | 5 of 16 | 3.3% | $313.4M | $9.52B |
| Auburn-Opelika, AL (1 branch) | 21 of 21 | 0.2% | $10.2M | $4.48B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 41) · FFIEC NIC profile (RSSD 432432)