TellerScore

Headquartered in Phenix City, Alabama, Phenix-Girard Bank is a state-chartered bank with $342.3M in total assets and $323.6M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1904.

Phenix-Girard Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 50th. Problem-loan coverage contributes the most (92/100, 4.2%); funding & liquidity contributes the least (58/100, 25% loans-to-deposits, 53% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.76%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.51%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 25.1% · 53.3% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.16%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 71).

TellerScore
596774Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202472
Q3 202469
Q4 202459
Q1 202572
Q2 202570
Q3 202561
Q4 202574
Q1 202669
Q2 202671
Tier 1 leverage ratio
5.00%8.83%12.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.58%
Q3 202412.65%
Q4 202412.02%
Q1 202511.63%
Q2 202511.75%
Q3 202511.78%
Q4 202511.52%
Q1 202611.40%
Q2 202611.76%
Noncurrent loans
0.02%0.69%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.79%
Q4 20240.77%
Q1 20250.19%
Q2 20250.42%
Q3 20251.37%
Q4 20250.02%
Q1 20260.40%
Q2 20260.51%
Return on assets
0.76%0.90%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.78%
Q4 20240.79%
Q1 20250.91%
Q2 20250.93%
Q3 20250.90%
Q4 20250.92%
Q1 20260.80%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$342.3M11.76%0.51%1.04%25.1%
Q1 202669$343.8M11.40%0.40%0.80%24.0%
Q4 202574$345.4M11.52%0.02%0.92%24.7%
Q3 202561$327.2M11.78%1.37%0.90%26.5%
Q2 202570$323.3M11.75%0.42%0.93%26.1%
Q1 202572$321.2M11.63%0.19%0.91%25.8%
Q4 202459$310.0M12.02%0.77%0.79%25.0%
Q3 202469$296.3M12.65%0.79%0.78%26.6%
Q2 202472$282.6M12.58%0.23%0.76%29.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.76%
62nd
Total risk-based capital0.00%
24th
Problem loans0.51%
45th
Net charge-offs0.05%
29th
Return on assets1.04%
37th
Net interest margin2.83%
7th
Efficiency ratio65.1%
42nd
Loans to deposits25.1%
99th
Uninsured deposits53.3%
3rd
Loan-loss reserves1.36%
69th
Texas ratio4.2%
40th

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
FirstState BankBank Lineville, AL70 out of 100, Strong$349.4M11.1%0.72%vs
First State Bank of DeKalb CountyBank Fort Payne, AL86 out of 100, Very strong$353.8M14.1%0.84%vs
AmeriFirst BankBank Montgomery, AL69 out of 100, Moderate$364.1M9.7%0.19%vs
Marion Community BankBank Marion, AL51 out of 100, Below average$364.2M9.8%2.30%vs
Premier Bank of the SouthBank Cullman, AL72 out of 100, Strong$370.6M9.4%0.00%vs
First National BankBank Hamilton, AL97 out of 100, Very strong$372.7M19.0%0.25%vs

Deposit insurance

Is my money safe at Phenix-Girard Bank?

Yes. Phenix-Girard Bank is an FDIC-insured institution (FDIC certificate #41). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 53.3% of deposits ($172.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Phenix-Girard Bank lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Phenix-Girard Bank reported 56 home-loan applications under HMDA (LEI 549300EW4BA2XQFITZ61): 54 originated ($6,260,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Phenix-Girard Bank
Type
State-chartered bank
FDIC certificate #
41
RSSD ID
432432
Primary regulator
FDIC
Holding company
Phenix-Girard Bancshares Inc
Established
May 4, 1904
Headquarters
801 13th St, Phenix City, AL 36867
Employees
46

Quick answers

Phenix-Girard Bank: common questions

Is Phenix-Girard Bank FDIC insured?

Yes. Phenix-Girard Bank is an FDIC-insured institution (FDIC certificate #41). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Phenix-Girard Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Phenix-Girard Bank ever failed?

There is no failure record for FDIC certificate #41 in the FDIC failed bank list.

How many branches does Phenix-Girard Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Phenix City

InstitutionScoreAssetsCapitalProblem loansCompare
Chattahoochee Federal Credit UnionCredit union Valley, AL87 out of 100, Very strong$23.4M15.0%0.51%vs
East Alabama Community Federal Credit UnionCredit union Opelika, AL84 out of 100, Strong$20.8M14.2%0.00%vs
First Peoples BankBank Pine Mountain, GA77 out of 100, Strong$449.4M12.8%0.12%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
AuburnBankBank Auburn, AL74 out of 100, Strong$1.1B10.7%0.01%vs
The Bridgeway Federal Credit UnionCredit union Phenix City, AL72 out of 100, Strong$62.3M16.3%1.01%vs