Phenix-Girard Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Phenix-Girard Bank of Phenix City, AL against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.16% | 1.34% | -0.18% | 42nd below |
| ROAE | 56.15% | 13.31% | +42.84% | 100th top |
| Net Interest Margin | 2.52% | 3.93% | -1.41% | 3rd bottom |
| Efficiency Ratio | 60.33% | 61.13% | -0.80% | 53rd above |
| PPNR / Avg Assets | 1.27% | 1.68% | -0.41% | 32nd below |
| Yield on Earning Assets | 4.23% | 5.67% | -1.44% | 5th bottom |
| Cost of Funds | 1.94% | 1.88% | +0.06% | 40th below |
| Net Interest Spread | 1.81% | 3.32% | -1.51% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.60% | 0.94% | -0.34% | 41st below |
| NPA / Total Assets | 0.15% | 0.70% | -0.55% | 65th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans | 1.36% | 1.28% | +0.08% | 68th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 224.70% | 1546.60% | -1321.90% | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.94% | 7.34% | -2.40% | 41st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 263.16% | 1395.44% | -1132.28% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.76% | 12.14% | -0.38% | 62nd above |
| Equity / Assets | 2.62% | 11.37% | -8.75% | 0th bottom |
| TCE / Tangible Assets | 2.62% | 11.09% | -8.47% | 0th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 25.44% | 80.68% | -55.24% | 99th top |
| Core Deposit Ratio | 99.76% | 86.85% | +12.91% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.87% | 6.84% | -0.97% | 61st above |
| Loan Growth (Y/Y) | -0.03% | 7.92% | -7.95% | 22nd bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.02% | 6.29% | -2.27% | 50th above |
See Phenix-Girard Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Phenix-Girard Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Phenix-Girard Bank profile, how to read a UBPR, or how this data updates.