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Overview / Commentary
801 13Th Street
Phenix City, AL 36867

Phenix-Girard Bank is headquartered in Phenix City and is the 67th largest bank in the state of Alabama. It is also the 3,286th largest bank in the nation. It was established in 1904 and as of September of 2017, it had grown to 38 employees at 4 locations. Phenix-Girard Bank has a B+ health rating.

Reviews (1)

Phenix-Girard is a top notch bank!

I have been banking with Phenix-Girard Bank since the age of 18. The very first bank I ever banked with, I have never once had a single issue in the 15 years I've been a member of this bank. The energetic and friendly tellers always greet you by name and with a bright smile on their faces. Their check cashing, savings and deposit services can rival any corporate bank and they offer all of the modern services that any nation-wide bank offers (i.e. mobile deposits, mobile check cashing, overnight deposits, etc). If you're local to the greater Columbus, Georgia or Phenix City metro area, Phenix-Girard comes highly recommended by this long time customer and I can assure you all that you won't be disappointed.


Health Grade Components

FDIC Certificate #41
Year Established1904
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD7.34%
Annual Interest Income$4.2MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$169.8MM$181.2MM
LoansQ3 2017vs Q3 2016$67.6MM$65.8MM
DepositsQ3 2017vs Q3 2016$130.3MM$135.8MM
Equity CapitalQ3 2017vs Q3 2016$26.8MM$27.5MM
Loan Loss AllowanceQ3 2017vs Q3 2016$954.00K$887.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$535.00K$329.00K
Real Estate OwnedQ3 2017vs Q3 2016$2.7MM$5.5MM

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Phenix-Girard Bank Locations
Stadium Drive Branch1803 Stadium DrivePhenix City, AL 36867
Smith Station Branch2481 Lee Road 430Smiths, AL 36877
Highway 280 Branch3650 US 280Phenix City, AL 36867
Phenix-Girard Bank801 13th StreetPhenix City, AL 36867