Phenix-Girard Bank
Phenix City, AL
IDRSSD: 432432
Total Assets
$327.24M
Latest filing
Total Deposits
$309.39M
Latest filing
Net Interest Margin
2.80%
Profitability
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 11/14/2025Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 38 |
| 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 | 11/14/2025 |
| CERT | 41 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $327.24M |
| Total Deposits | $309.39M |
| Total Liabilities | $318.92M |
| Total Equity Capital | $8.31M |
| Net Income | $694.00k |
| Net Loans and Leases | $82.10M |
| Assets Per Employee ($Millions) | $6.68M |
| Bank Premises and Fixed Assets | $1.46M |
| Cash and Balances due from Depository Institutions | $24.45M |
| Deposits Held in Domestic Offices | $309.39M |
Key Performance Ratios
| Return on Assets (ROA) | 0.85% |
| Return on Equity (ROE) | 48.83% |
| Net Interest Margin | 2.8% |
| Efficiency Ratio | 69.79% |
| 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 | 2.54% |
| Earning Assets to total Assets | 95.5% |
Income and Expense
| Total Interest Income | $3.75M |
| Total Noninterest Income | $393.00k |
| Total Interest Expense | $1.58M |
| Total Noninterest Expense | $1.79M |
| Net Interest Income | $2.17M |
| Pre-tax Net Operating Income | $762.00k |
| Provision for Credit Losses | $12.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $9.54M |
| Total Liabilities and Capital | $327.24M |
Securities
| Securities | $208.99M |
| Available-for-sale debt securities | $207.81M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$327.24M as of the latest filing.
How much are Phenix-Girard Bank's total deposits?
$309.39M in total deposits.
Where is Phenix-Girard Bank located?
Phenix City, AL.
What is the Net Interest Margin?
2.80%.
How many domestic offices does it operate?
4.
When was it established?
05/04/1904.
What is the Return on Assets (ROA)?
0.85%.
How much are total loans and leases?
$82.10M (latest filing).
What is the total interest income (latest filing)?
$3.75M.