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
Unfavorable gap of $5.3M · efficiency ratio beats 59% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.60% | 1.00% | 1.45% | Beats 44% | 350 / 620 | |
| Return on Equity | 34.97% | 5.30% | 9.30% | 13.29% | Beats 99% | 8 / 620 | |
| Net Interest Margin | 2.45% | 3.02% | 3.53% | 4.04% | Beats 9% | 567 / 620 | |
| Efficiency Ratio | 65.13% | 58.35% | 68.08% | 79.37% | Beats 59% | 256 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.09% | 0.47% | 1.27% | Beats 48% | 297 / 573 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 34% | 378 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 11.27% | 13.87% | 18.78% | Beats 30% | 432 / 620 | |
| Total Risk-Based Capital Ratio | 11.76% | 11.69% | 14.57% | 19.67% | Beats 26% | 461 / 620 | |
| Equity / Assets | 2.62% | 9.03% | 10.60% | 13.73% | Beats 0% | 619 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 25.44% | 65.08% | 79.69% | 92.47% | 3rd pctl | 566 / 585 | |
| Loans / Assets | 24.05% | 51.85% | 67.17% | 77.86% | 9th pctl | 563 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |