Phenix-Girard Bank

BankPhenix City, Alabama
www.phenix-girard.com

Total Assets

$345.4M

Total Deposits

$327.9M

Branches

4

Established

1904

TFS Health Grade

$
D-

60.3 / 100

Below average financial health

How we grade

Phenix-Girard Bank is a bank headquartered in Phenix City, Alabama, established in 1904. With $345.4M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D- (60.3/100).

Capital & Safety

Tier 1 Capital Ratio
11.52%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.02%

Profitability

Return on Assets (ROA)
0.92%(1%)
Return on Equity (ROE)
65.48%(10%)
Net Interest Margin
2.75%
Efficiency Ratio
69.61%(60%)

Lending & Liquidity

Total Loans
$82.2M
Loan-to-Deposit Ratio
24.73%
Net Charge-Off Ratio
0.16%

Growth

Asset Growth (YoY)
+11.42%
Deposit Growth (YoY)
+8.11%
Net Income
$3.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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