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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

$342.3MAssets
$82.3MLoans
$323.6MDeposits
$9.0MEquity
Loan mix
97%RE $76.6M3%C&I $2.0M1%Consumer $0.4MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $254.9M21%Noninterest $68.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.65%0.77%0.79%0.77%0.79%0.73%0.91%+12 bps
Return on Equity69.45%97.37%186.89%133.00%70.84%56.64%32.14%38.33%-9,468 bps
Net Interest Margin2.19%2.12%2.30%2.30%2.30%2.29%2.45%2.45%+15 bps
Efficiency Ratio73.80%72.42%68.07%68.87%69.18%69.61%70.39%65.13%-374 bps
Non-Interest Burden1.49%1.41%1.41%1.44%1.45%1.46%1.60%1.38%-5 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 / Loans0.79%0.77%0.19%0.42%1.37%0.02%0.40%0.51%+9 bps
Net Charge-Offs / Loans0.03%0.02%0.04%0.03%0.03%0.16%0.05%0.05%+1 bps
Allowance / Loans1.59%1.57%1.50%1.48%1.47%1.32%1.40%1.36%-12 bps
Allowance Coverage of NPLs2.0x2.0x7.8x3.6x1.1x68.0x3.5x2.7x-0.9x
Capital
Tier 1 Leverage Ratio12.65%12.02%11.63%11.75%11.78%11.52%11.40%11.76%+2 bps
Total Risk-Based Capital12.65%12.02%11.63%11.75%11.78%11.52%11.40%11.76%+2 bps
Equity / Assets2.97%-0.23%1.03%0.95%2.54%2.55%1.97%2.62%+167 bps
Liquidity & Funding
Loans / Deposits26.98%25.41%26.20%26.47%26.93%25.06%24.37%25.44%-103 bps
Liquid Assets / Assets9.94%15.64%9.26%8.29%6.54%9.74%8.79%6.75%-154 bps
CRE / Total Capitaln/an/an/an/a130.64%126.32%122.13%n/an/a