Phenix City, AL · Cert 41 · Phenix-Girard Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Columbus, GA-AL · 2026 SOD (annual) · 3.3% share · #5 of 16 inst. · $0.3B of $9.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.77% | 0.79% | 0.73% | 0.91% | +12 bps | |
| Return on Equity | 133.00% | 70.84% | 56.64% | 32.14% | 38.33% | -9,468 bps | |
| Net Interest Margin | 2.30% | 2.30% | 2.29% | 2.45% | 2.45% | +15 bps | |
| Efficiency Ratio | 68.87% | 69.18% | 69.61% | 70.39% | 65.13% | -374 bps | |
| Non-Interest Burden | 1.44% | 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 / Loans | 0.42% | 1.37% | 0.02% | 0.40% | 0.51% | +9 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.16% | 0.05% | 0.05% | +1 bps | |
| Allowance / Loans | 1.48% | 1.47% | 1.32% | 1.40% | 1.36% | -12 bps | |
| Allowance Coverage of NPLs | 3.6x | 1.1x | 68.0x | 3.5x | 2.7x | -0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.75% | 11.78% | 11.52% | 11.40% | 11.76% | +2 bps | |
| Total Risk-Based Capital | 11.75% | 11.78% | 11.52% | 11.40% | 11.76% | +2 bps | |
| Equity / Assets | 0.95% | 2.54% | 2.55% | 1.97% | 2.62% | +167 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 26.47% | 26.93% | 25.06% | 24.37% | 25.44% | -103 bps | |
| Liquid Assets / Assets | 8.29% | 6.54% | 9.74% | 8.79% | 6.75% | -154 bps | |
| CRE / Total Capital | n/a | 130.64% | 126.32% | 122.13% | n/a | n/a | |