Phenix-Girard Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 52.91 percentage points in Q2 2026, from 277.61% to 224.70%. It was the largest change from Q1 2026 among the key lines here. Phenix-Girard Bank ranks 44th of 93 Alabama banks on return on assets, in the upper half at 1.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Phenix-Girard Bank sits 0.09 points lower, at 1.16% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.76% |
| Equity capital to assets | 2.62% |
| Tangible equity to tangible assets | 2.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 4.94% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 224.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 56.15% |
| Net interest margin | 2.52% |
| Efficiency ratio | 60.33% |
| Yield on earning assets | 4.23% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 25.44% |
| Core deposits to total deposits | 99.76% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 94.53% |
| Securities to assets | 65.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.27% | 0.60% | 2.25% | 0.01% | 0.05% |
| Q4 2023 | 18.67% | 0.83% | 2.47% | 0.13% | 0.07% |
| Q1 2024 | 16.76% | 0.86% | 2.23% | 0.58% | 0.03% |
| Q2 2024 | 12.58% | 0.69% | 2.33% | 0.22% | 0.02% |
| Q3 2024 | 12.65% | 0.73% | 2.34% | 0.78% | 0.03% |
| Q4 2024 | 12.02% | 0.75% | 2.31% | 0.76% | 0.00% |
| Q1 2025 | 11.63% | 0.80% | 2.40% | 0.18% | 0.04% |
| Q2 2025 | 11.75% | 0.84% | 2.42% | 0.29% | 0.02% |
| Q3 2025 | 11.78% | 0.76% | 2.49% | 0.58% | 0.02% |
| Q4 2025 | 11.52% | 0.87% | 2.51% | 0.12% | 0.55% |
| Q1 2026 | 11.40% | 0.72% | 2.55% | 0.50% | 0.05% |
| Q2 2026 | 11.76% | 1.16% | 2.52% | 0.60% | 0.04% |
Phenix-Girard Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Phenix-Girard Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)