Phenix-Girard Bank

Phenix City, AlabamaFDIC Cert #41

STATEEstablished 19044 branches

Holding company: PHENIX-GIRARD BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$9.34M
Investor CRE	$15.8M
Multifamily	$3.4M
Construction	$24.8M
1–4 family	$23M
C&I	$2M
Agriculture	$250K
Other	$1.16M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$79.8M

−1.7%y/y

Percentile by value1st percentileby value

FDICLNLSGR

Net loans

$78.7M

−1.6%y/y

Percentile by value1st percentileby value

FDICLNLSNET

Loans YoY

−1.63%

−134.2%y/y

Percentile by value14th percentileby value

FDICLNLSNET

L/D

24.0%

−6.9%y/y

Percentile by value1st percentileby value

FDICLNLSNET + DEP

Loans/assets

22.9%

−8.1%y/y

Percentile by value1st percentileby value

FDICLNLSNET + ASSET

RE loans %

96.23%

−0.2%y/y

Percentile by value84th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,352points

−2.5%y/y

Peer standing40th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

11.71%

−2.6%y/y

Percentile by value47th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

19.84%

+5.4%y/y

Percentile by value70th percentileby value

FDICLNRENROT + LNLSGR

C&I %

2.51%

+0.8%y/y

Percentile by value9th percentileby value

FDICLNCI + LNLSGR