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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.70% | 0.77% | 0.80% | 0.74% | 0.85% | 0.73% | 1.10% | +29 bps | |
| Return on Equity | 37.49% | 52.72% | 186.89% | 81.27% | 42.35% | 33.49% | 32.14% | 47.91% | -3,336 bps | |
| Net Interest Margin | 2.23% | 2.21% | 2.30% | 2.32% | 2.37% | 2.41% | 2.45% | 2.42% | +10 bps | |
| Efficiency Ratio | 74.70% | 68.47% | 68.07% | 69.67% | 69.79% | 70.83% | 70.39% | 60.35% | -931 bps | |
| Non-Interest Burden | 1.54% | 1.36% | 1.41% | 1.48% | 1.52% | 1.57% | 1.60% | 1.15% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.39% | 9.79% | 13.48% | 14.38% | 10.44% | 11.42% | 7.03% | 5.87% | -851 bps | |
| Loan Growth (YoY) | -2.70% | -1.86% | 4.71% | 0.94% | 10.19% | 6.61% | -1.73% | -0.03% | -97 bps | |
| Deposit Growth (YoY) | 8.22% | 10.42% | 12.08% | 13.53% | 10.39% | 8.11% | 5.64% | 4.02% | -951 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.79% | 0.77% | 0.19% | 0.42% | 1.37% | 0.02% | 0.40% | 0.51% | +9 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.04% | 0.02% | 0.02% | 0.55% | 0.05% | 0.04% | +2 bps | |
| Allowance / Loans | 1.59% | 1.57% | 1.50% | 1.48% | 1.47% | 1.32% | 1.40% | 1.36% | -12 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.0x | 7.8x | 3.6x | 1.1x | 68.0x | 3.5x | 2.7x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.65% | 12.02% | 11.63% | 11.75% | 11.78% | 11.52% | 11.40% | 11.76% | +2 bps | |
| Total Risk-Based Capital | 12.65% | 12.02% | 11.63% | 11.75% | 11.78% | 11.52% | 11.40% | 11.76% | +2 bps | |
| Equity / Assets | 2.97% | -0.23% | 1.03% | 0.95% | 2.54% | 2.55% | 1.97% | 2.62% | +167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 26.98% | 25.41% | 26.20% | 26.47% | 26.93% | 25.06% | 24.37% | 25.44% | -103 bps | |
| Liquid Assets / Assets | 9.94% | 15.64% | 9.26% | 8.29% | 6.54% | 9.74% | 8.79% | 6.75% | -154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 130.64% | 126.32% | 122.13% | n/a | n/a | |