Total Assets
$342.3M
Total Deposits
$323.6M
Branches
4
Established
1904
Phenix-Girard Bank is a bank headquartered in Phenix City, Alabama, established in 1904. It holds $342.3M in total assets across 4 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Phenix-Girard Bank earns a TFS Financial Health Grade of C (68.4/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
68.4 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Phenix-Girard BankHQ | 801 13th St | Phenix City | AL | 11 |
| Phenix-Girard Bank | 1803 Stadium Dr | Phenix City | AL | 11 |
| Phenix-Girard Bank | 3650 Us 280 | Phenix City | AL | 11 |
| Phenix-Girard Bank | 2481 Panther Pkwy | Smiths | AL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
68.4
Tier 1 capital ratio
11.76%
Return on assets
1.04%
Non-performing loans
0.51%
Efficiency ratio
65.13%
Asset growth (YoY)
5.87%
Suggested direct comparisons
HUNTSVILLE, AL
$8.6B
$364.1M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.