Phenix-Girard Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Time deposits $100k to $250k climbed 24.2% in Q2 2026, from $20.4M to $25.3M. It was the largest change from Q1 2026 among the key lines here. Phenix-Girard Bank ranks 44th of 93 Alabama banks on total deposits, in the upper half at $323.6M (Q2 2026). Phenix-Girard Bank reported $323.6M on total deposits for Q2 2026, 17% above the $277.3M median for banks in the $100M-1B asset tier.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $323.6M |
| Domestic office deposits | $323.6M |
| Foreign office deposits | — |
| Deposits to total assets | 94.53% |
| Deposits to total liabilities | 97.08% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $67.1M |
| Savings deposits | $26.9M |
| Transaction accounts to domestic deposits | 78.59% |
| Time deposits | $9K |
| Time deposits under $100k | $6.1M |
| Time deposits $100k to $250k | $25.3M |
| Time deposits over $250k | $766K |
| Noninterest-bearing share of deposits | 21.22% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $322.8M |
| Core deposits to total deposits | 99.76% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.42% |
| Interest expense on deposits | $1.6M |
| Loans and leases to core deposits | 25.50% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $259.0M | 99.54% | 0.00% | 2.71% |
| Q4 2023 | $274.7M | 99.66% | 0.00% | 2.57% |
| Q1 2024 | $276.5M | 99.55% | 0.00% | 2.70% |
| Q2 2024 | $274.0M | 99.54% | 0.00% | 2.68% |
| Q3 2024 | $280.3M | 99.55% | 0.00% | 2.70% |
| Q4 2024 | $303.3M | 99.58% | 0.00% | 2.68% |
| Q1 2025 | $309.9M | 99.83% | 0.00% | 2.60% |
| Q2 2025 | $311.0M | 99.83% | 0.00% | 2.56% |
| Q3 2025 | $309.4M | 99.82% | 0.00% | 2.60% |
| Q4 2025 | $327.9M | 99.83% | 0.00% | 2.52% |
| Q1 2026 | $327.4M | 99.83% | 0.00% | 2.37% |
| Q2 2026 | $323.6M | 99.76% | 0.00% | 2.42% |
Phenix-Girard Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Phenix-Girard Bank, freeSource: Call Report Schedules RC-E and RC-O, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Phenix-Girard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 41) · FFIEC NIC profile (RSSD 432432)