Phenix-Girard Bank
Phenix City, AL
IDRSSD: 432432
Total Assets
$345.39M
Latest filing
Total Deposits
$327.93M
Latest filing
Net Interest Margin
2.79%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
062201106PHENIX CITY, AL
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Phenix-Girard Bank
801 13th St
Phenix City, AL 36867
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/04/1904FDIC Certificate 23
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Phenix-Girard Bank (Main) | 801 13th St | Phenix City, AL |
| STADIUM DRIVE BRANCH | 1803 Stadium Dr | Phenix City, AL |
| HIGHWAY 280 BRANCH | 3650 Us 280 | Phenix City, AL |
| SMITH STATION BRANCH | 2481 Panther Pkwy | Smiths, AL |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First State Bank of DeKalb County
Fort Payne, Alabama
→
Assets: $339.69MΔ +3.8%
Farmers and Merchants Bank
Piedmont, Alabama
→
Assets: $310.37MΔ -5.2%
FirstState Bank
Lineville, Alabama
→
Assets: $346.71MΔ +6.0%
Marion Community Bank
Marion, Alabama
→
Assets: $348.37MΔ +6.5%
Pinnacle Bank
Jasper, Alabama
→
Assets: $355.04MΔ +8.5%
AmeriFirst Bank
Montgomery, Alabama
→
Assets: $355.31MΔ +8.6%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/04/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36867 |
| State and County Number | 01113 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Columbus, GA-AL |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.phenix-girard.com |
| Data Updated | 01/30/2026 |
| CERT | 41 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $345.39M |
| Total Deposits | $327.93M |
| Total Liabilities | $336.59M |
| Total Equity Capital | $8.80M |
| Net Income | $810.00k |
| Net Loans and Leases | $81.10M |
| Assets Per Employee ($Millions) | $7.2M |
| Bank Premises and Fixed Assets | $1.49M |
| Cash and Balances due from Depository Institutions | $37.03M |
| Deposits Held in Domestic Offices | $327.93M |
Key Performance Ratios
| Return on Assets (ROA) | 0.96% |
| Return on Equity (ROE) | 37.87% |
| Net Interest Margin | 2.79% |
| Efficiency Ratio | 70.83% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 2.548% |
| Earning Assets to total Assets | 95.84% |
Income and Expense
| Total Interest Income | $3.83M |
| Total Noninterest Income | $442.00k |
| Total Interest Expense | $1.59M |
| Total Noninterest Expense | $1.90M |
| Net Interest Income | $2.25M |
| Pre-tax Net Operating Income | $772.00k |
| Provision for Credit Losses | $12.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.66M |
| Total Liabilities and Capital | $345.39M |
Securities
| Securities | $216.28M |
| Available-for-sale debt securities | $215.09M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Phenix-Girard Bank?
$345.39M as of the latest filing.
How much are Phenix-Girard Bank's total deposits?
$327.93M in total deposits.
Where is Phenix-Girard Bank located?
Phenix City, AL.
What is the Net Interest Margin?
2.79%.
How many domestic offices does it operate?
4.
When was it established?
05/04/1904.
What is the Return on Assets (ROA)?
0.96%.
How much are total loans and leases?
$81.10M (latest filing).
What is the total interest income (latest filing)?
$3.83M.