Phenix-Girard Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 3.57 percentage points in Q2 2026, from 55.36% to 51.79%. It was the largest change from Q1 2026 among the key lines here. Phenix-Girard Bank has the 2nd lowest loan-to-deposit ratio of the 93 banks headquartered in Alabama, at 25.44% as of Q2 2026. Phenix-Girard Bank's loan-to-deposit ratio of 25.44% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 55.40 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.3M |
| Net loans and leases | $81.2M |
| Loans held for sale | $1.1M |
| Loans to total assets | 24.05% |
| Loan-to-deposit ratio | 25.44% |
| Net loans to equity capital | 9.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.30% |
| Multifamily (5+ residential) | 4.08% |
| Commercial and industrial | 3.63% |
| Consumer | 0.49% |
| Credit cards | 0.00% |
| Farm | 0.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 95.57% |
| Construction concentration (Tier 1 capital + allowance) | 51.79% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.34% |
| Interest income on loans | $1.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $77.7M | $259.0M | 31.92% | 2.57% | 0.89% |
| Q4 2023 | $78.6M | $274.7M | 33.05% | 2.50% | 0.88% |
| Q1 2024 | $77.5M | $276.5M | 32.98% | 2.46% | 0.94% |
| Q2 2024 | $81.6M | $274.0M | 30.92% | 2.20% | 0.88% |
| Q3 2024 | $75.6M | $280.3M | 33.28% | 2.51% | 0.86% |
| Q4 2024 | $77.1M | $303.3M | 32.22% | 2.39% | 0.84% |
| Q1 2025 | $81.2M | $309.9M | 30.85% | 2.49% | 0.70% |
| Q2 2025 | $82.3M | $311.0M | 29.61% | 2.30% | 0.66% |
| Q3 2025 | $83.3M | $309.4M | 29.13% | 2.33% | 0.57% |
| Q4 2025 | $82.2M | $327.9M | 33.33% | 2.53% | 0.56% |
| Q1 2026 | $79.8M | $327.4M | 31.55% | 2.51% | 0.55% |
| Q2 2026 | $82.3M | $323.6M | 31.30% | 3.63% | 0.49% |
Phenix-Girard Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Phenix-Girard Bank, freeSource: Call Report Schedule RC-C, 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)