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Phenix-Girard Bank


Phenix-Girard Bank is an FDIC insured institution headquartered at 801 13th St, Phenix City, AL 36867.
It was founded in 1904 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - February 02, 2026

CD RATES APY MIN
6 Mo CD
0.11% $10,000 Compare
6 Mo CD
0.11% $100,000 Compare
12 Mo CD
0.15% $10,000 Compare
12 Mo CD
0.15% $100,000 Compare
18 Mo CD
0.17% $10,000 Compare
18 Mo CD
0.17% $100,000 Compare
24 Mo CD
0.18% $10,000 Compare
24 Mo CD
0.18% $100,000 Compare
30 Mo CD
0.25% $10,000 Compare
30 Mo CD
0.25% $100,000 Compare
36 Mo CD
0.26% $10,000 Compare
36 Mo CD
0.26% $100,000 Compare
48 Mo CD
0.30% $10,000 Compare
48 Mo CD
0.30% $100,000 Compare




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 41
Date Established 1904
Assets $ 327.24 million
Loans $ 82.10 million
Deposits $ 309.39 million
Capital $ 8.31 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 24.45 million
Interest-bearing balances $ 21.42 million
Total securities $ 208.99 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 82.10 million
Loan loss allowance $ 1.23 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 9.53 million
     Total Assets $ 318.92 million

LIABILITIES
Total deposits $ 309.39 million
      Interest-bearing deposits $ 243.29 million
      Deposits held in domestic offices $ 309.39 million
      % insured (estimated)" 46.52%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 8.16 millionn
      Total Liabilities $ 318.92 million
      Shareholders’ Equity $ 8.31 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 11.05 million
Total Interest Expense $ 4.73 million
Net interest income $ 6.32 million
Provision for loan and lease losses $ 0.04 million
Total non interest income $ 1.25 million
Total non interest expense $ 5.24 million
Pre-tax Net Operating Income $ 1.69 million

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