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Phenix-Girard Bank

Phenix City, AlabamaFDIC Cert #41

STATEEstablished 19044 branches

Holding company: PHENIX-GIRARD BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.30%
−68.1%y/y
Peer standing62nd percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.40%
+446.1%y/y
Peer standing46th percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
0.40%
+111.4%y/y
Peer standing51st percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.09%
−17.3%y/y
Peer standing73rd percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$322K
−11.5%y/y
Peer standing78th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.05%
+20.2%y/y
Peer standing25th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
$10K
+25.0%y/y
Peer standing40th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.40%
−6.5%y/y
Percentile by value72nd percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$238K
−68.7%y/y
Peer standing83rd percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$0
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$322K
+436.7%y/y
Peer standing71st percentile
Peer standing in asset:300m_1b
FDICNAASSET