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Phenix-Girard Bank
Phenix City, AL · FDIC Certificate #41 · Chartered 05/0
Total assets
$342.26M
Total deposits
$323.55M
Total equity
$8.96M
Net loans
$81.20M
Branches (offices)
4
Net income (YTD)
$1.79M
Rank: #2,281 of 4,213 U.S. banks by assets · #47 of 93 in Alabama. Assets changed 5.9% and deposits 4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 43.88% |
| Net interest margin (YTD) | 2.83% |
| Equity to assets | 2.62% |
| Tier 1 leverage ratio | 11.76% |
| Uninsured deposits (share of deposits) | 53.3% |
| Noncurrent loans (share of loans) | 0.51% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 25.1% |
| Real estate loans (share of loans) | 96.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $78.06M | 96.1% | |
| Commercial & industrial | $2.99M | 3.7% | |
| Consumer / individual | $404.00K | 0.5% | |
| Construction & development | $23.80M | 29.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $268.24M | $258.34M | $1.49M | $1.74M |
| Jun 2023 | $259.63M | $254.38M | $942.00K | -$1.67M |
| Jun 2024 | $282.64M | $273.97M | $1.07M | $1.62M |
| Jun 2025 | $323.28M | $311.03M | $1.48M | $3.06M |
| Jun 2026 | $342.26M | $323.55M | $1.79M | $8.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $323.55M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $323.55M.
Similar-sized banks
First Community Bank ($342.33M) · Milestone Bank ($342.17M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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