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Phenix-Girard Bank

Phenix City, AL · Cert 41 · Phenix-Girard Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

59

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Phenix-Girard Bank

Phenix City, AL · Cert 41 · Phenix-Girard Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$342.3MAssets
$82.3MLoans
$323.6MDeposits
$9.0MEquity
Loan mix
97%RE $76.6M3%C&I $2.0M1%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $254.9M21%Noninterest $68.7MQ2 2025Q2 2026

NIM

3.94%Q2 ’244.04%Q2 ’254.08%Q2 ’26+5%+6%

Non-interest income vs. expense

1.95%Q2 ’241.91%Q2 ’251.99%Q2 ’26-3%-4%

Market Position · Columbus, GA-AL · 2026 SOD (annual) · 3.3% share · #5 of 16 inst. · $0.3B of $9.5B

31.7% Russell
0.2% Lee

Executive Summary

  • Earnings: ROA of 0.91%, up 12 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 0.51% of loans (+9 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.76%, up 2 bps from a year ago.
  • Funding: loans stand at 25.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.45%+15 bps YoY

Efficiency Ratio (YTD, annualized)

65.13%-374 bps YoY

Tier 1 Leverage Ratio

11.76%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.77%0.79%0.73%0.91%+12 bps
Return on Equity133.00%70.84%56.64%32.14%38.33%-9,468 bps
Net Interest Margin2.30%2.30%2.29%2.45%2.45%+15 bps
Efficiency Ratio68.87%69.18%69.61%70.39%65.13%-374 bps
Non-Interest Burden1.44%1.45%1.46%1.60%1.38%-5 bps
Growth
Asset Growth (YoY)14.38%10.44%11.42%7.03%5.87%-851 bps
Loan Growth (YoY)0.94%10.19%6.61%-1.73%-0.03%-97 bps
Deposit Growth (YoY)13.53%10.39%8.11%5.64%4.02%-951 bps
Asset Quality
Nonperforming Loans / Loans0.42%1.37%0.02%0.40%0.51%+9 bps
Net Charge-Offs / Loans0.03%0.03%0.16%0.05%0.05%+1 bps
Allowance / Loans1.48%1.47%1.32%1.40%1.36%-12 bps
Allowance Coverage of NPLs3.6x1.1x68.0x3.5x2.7x-0.9x
Capital
Tier 1 Leverage Ratio11.75%11.78%11.52%11.40%11.76%+2 bps
Total Risk-Based Capital11.75%11.78%11.52%11.40%11.76%+2 bps
Equity / Assets0.95%2.54%2.55%1.97%2.62%+167 bps
Liquidity & Funding
Loans / Deposits26.47%26.93%25.06%24.37%25.44%-103 bps
Liquid Assets / Assets8.29%6.54%9.74%8.79%6.75%-154 bps
CRE / Total Capitaln/a130.64%126.32%122.13%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Phenix-Girard Bank

Phenix City, AL · Cert 41 · Peer group: banks under $1B in assets (n=573-620) · Phenix-Girard Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$342.3MAssets
$82.3MLoans
$323.6MDeposits
$9.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 99% of banks under $1B in assets (rank 8 of 620).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets (rank 619 of 620).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.92%

Rank 350 of 620

Net Interest Margin

2.45%

Rank 567 of 620

Efficiency Ratio

65.13%

Rank 256 of 620

Equity / Assets

2.62%

Rank 619 of 620

Non-interest income vs. expense

$2.3M$7.6MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 59% of banks under $1B in assets
Bank 65.13%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.92%0.60%1.00%1.45%Beats 44%350 / 620
Return on Equity34.97%5.30%9.30%13.29%Beats 99%8 / 620
Net Interest Margin2.45%3.02%3.53%4.04%Beats 9%567 / 620
Efficiency Ratio65.13%58.35%68.08%79.37%Beats 59%256 / 620
Asset Quality
Nonperforming Loans / Loans0.51%0.09%0.47%1.27%Beats 48%297 / 573
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 34%378 / 573
Capital
Tier 1 Capital Ratio11.76%11.27%13.87%18.78%Beats 30%432 / 620
Total Risk-Based Capital Ratio11.76%11.69%14.57%19.67%Beats 26%461 / 620
Equity / Assets2.62%9.03%10.60%13.73%Beats 0%619 / 620
Liquidity & Funding
Loans / Deposits25.44%65.08%79.69%92.47%3rd pctl566 / 585
Loans / Assets24.05%51.85%67.17%77.86%9th pctl563 / 620
Brokered Deposits / Depositsn/aNot reported for this institution