BlastPoint's Banking Scorecard
Phenix-Girard Bank
Micro
Specialty: Other
AL
FDIC cert 41
Designations: ✓ Community bank
Phenix City, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Phenix-Girard Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.10% below tier
- - Loan-to-Deposit Ratio 49.80% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$345.4M
+11.4% YoY
+5.5% QoQ
|
+$127.9M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$81.1M
+6.9% YoY
-1.2% QoQ
|
-$58.1M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$327.9M
+8.1% YoY
+6.0% QoQ
|
+$144.3M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
0.92%
+15.5% YoY
+1.4% QoQ
|
-0.17% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
2.75%
+5.5% YoY
+0.0% QoQ
|
-1.10% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
69.61%
-3.9% YoY
+0.6% QoQ
|
+1.89% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.02%
-97.5% YoY
-98.6% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
24.73%
-1.1% YoY
-6.8% QoQ
|
-49.80% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.59%
-1.7% YoY
-3.6% QoQ
|
-1.80% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.00%
-98.2% YoY
-98.7% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.49%
-4.4% YoY
+28.3% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.75%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
24.73%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Total Deposits
Current: $327.9M · Tier avg: $183.7M
82
82th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
80
80th pctile
Total Assets
Current: $345.4M · Tier avg: $217.5M
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.59% · Tier avg: 22.39%
41
41th pctile
Efficiency Ratio
Current: 69.61% · Tier avg: 67.73%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
35
35th pctile
Total Loans
Current: $81.1M · Tier avg: $139.2M
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
1
1th pctile
Loan-to-Deposit Ratio
Current: 24.73% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 24.73% · Tier avg: 74.53%
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
35
35th pctile
Total Loans
Current: $81.1M · Tier avg: $139.2M
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
41
41th pctile
Efficiency Ratio
Current: 69.61% · Tier avg: 67.73%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.59% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
80
80th pctile
Total Assets
Current: $345.4M · Tier avg: $217.5M
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
86
86th pctile
Total Deposits
Current: $327.9M · Tier avg: $183.7M