Phenix-Girard Bank
Phenix City, AL · Cert 41 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 operating in a single state (rank 4 of 746).
- Widest gap: equity / assets trails 100% of banks under $1B in assets operating in a single state (rank 744 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.92%
Rank 454 of 746
Net Interest Margin
2.45%
Rank 705 of 746
Efficiency Ratio
65.13%
Rank 385 of 746
Equity / Assets
2.62%
Rank 744 of 746
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 49% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.72% | 1.06% | 1.45% | Beats 39% | 454 / 746 | | |
| Return on Equity | 34.97% | 6.74% | 10.51% | 13.63% | Beats 99% | 4 / 746 | | |
| Net Interest Margin | 2.45% | 3.17% | 3.68% | 4.16% | Beats 5% | 705 / 746 | | |
| Efficiency Ratio | 65.13% | 55.74% | 64.58% | 75.47% | Beats 49% | 385 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.09% | 0.42% | 1.07% | Beats 45% | 409 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 33% | 502 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 11.55% | 13.75% | 17.60% | Beats 29% | 528 / 746 | | |
| Total Risk-Based Capital Ratio | 11.76% | 11.71% | 14.33% | 18.43% | Beats 27% | 545 / 746 | | |
| Equity / Assets | 2.62% | 8.90% | 10.51% | 13.06% | Beats 0% | 744 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 25.44% | 61.31% | 78.27% | 90.78% | 1st pctl | 736 / 746 | | |
| Loans / Assets | 24.05% | 53.60% | 66.97% | 76.08% | 2nd pctl | 732 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |