Phenix-Girard Bank

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

Phenix-Girard Bank is headquartered in PHENIX CITY and is the 50th largest bank in the state of Alabama. It is also the 2,577th largest bank in the nation. It was established in 1904 and as of December of 2023, it had grown to 37 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 - YTD0.64%
Return on Equity - YTD0%
Annual Interest Income$11.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$282.3MM$265.3MM
LoansQ4 2023vs Q4 2022$77.4MM$65.9MM
DepositsQ4 2023vs Q4 2022$274.7MM$266.9MM
Equity CapitalQ4 2023vs Q4 2022$595K($8,395,000)
Loan Loss AllowanceQ4 2023vs Q4 2022$1.2MM$1.2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$105K$249K
Real Estate OwnedQ4 2023vs Q4 2022$318K$431K
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Phenix-Girard Bank Checking Account Rates

0.05%--SuperStar Checking - Non Qualifying

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 StPhenix City, AL 36867

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