Total Assets
$345M
Total balance-sheet footings
FDIC Cert #41 · Phenix City, Alabama · Est. 1904
Phenix-Girard Bank - FDIC Bank Health Profile
A community-scale look at Phenix-Girard Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $345M
- Total assets
- B
- Health grade · Good
- 0.92%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
Phenix-Girard Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.52% Tier 1, 0.92% ROA, 70% efficiency ratio.
- #2,298
- largest of 4,313 FDIC banks by assets
- 47th
- percentile by asset size, nationally
- 11.52%
- Tier 1 ratio - above the 10% well-capitalized line
- 37th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Phenix-Girard Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Phenix-Girard Bank's composite health score
Tier 1 Capital Ratio (11.52%) 28/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (0.16%) 20/20
Efficiency Ratio (69.61%) 8/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$328M
Customer-funded liabilities
Net Loans
$81M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Phenix-Girard Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Phenix-Girard Bank's score of 70/100 falls in the highlighted band.
Phenix-Girard Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Phenix-Girard Bank's $345M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.52% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.52%
Texas Ratio
0.16%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
65.48%
Efficiency Ratio
69.61%
What the numbers say about Phenix-Girard Bank
Phenix-Girard Bank is an FDIC-insured institution (Certificate #41) headquartered in Phenix City, Alabama, established in 1904. It holds $345M in total assets - 2,298th of 4,313 FDIC-insured banks, $328M in customer deposits, and $81M in net loans. Looking at capital strength, Tier 1 stands at 11.52%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.16%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Alabama, Phenix-Girard Bank ranks 47th of 94 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$15M
Interest Income
$2M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Phenix-Girard Bank reports a Texas Ratio of 0.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Phenix-Girard Bank (FDIC Cert #41) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is Phenix-Girard Bank's health grade?▼
Phenix-Girard Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Phenix-Girard Bank?▼
Phenix-Girard Bank holds $345M in total assets and $328M in deposits, ranking 2,298th of 4,313 FDIC-insured banks by asset size. It is headquartered in Phenix City, Alabama.
Is my money safe at Phenix-Girard Bank?▼
Yes, deposits at Phenix-Girard Bank (Certificate #41) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Phenix-Girard Bank's Tier 1 Capital Ratio?▼
Phenix-Girard Bank has a Tier 1 Capital Ratio of 11.52%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Phenix-Girard Bank?▼
Phenix-Girard Bank has a Texas Ratio of 0.16%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Phenix-Girard Bank?▼
Phenix-Girard Bank has an Efficiency Ratio of 69.61%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Phenix-Girard Bank's profile as a depositor or analyst.
- Phenix-Girard Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Phenix-Girard Bank against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.