Phenix-Girard Bank is a bank based in Phenix City, Alabama, established in 1904, with $344 million in total assets across 4 branches. By Trust Grade it ranks 93rd of 93 banks we track in Alabama. Its capital ratio of 2.0% trails most similarly sized banks (0th percentile), versus a Alabama median of 10%. It was profitable over the most recent period, with a 0.80% return on assets. No consumer complaints against Phenix-Girard Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Phenix-Girard Bank compares to Alabama peers
How we graded Phenix-Girard Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Below the well-capitalized threshold (2.0%)
- Profitable (ROA 0.80%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Phenix-Girard Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 1803 Stadium Dr, Phenix City, AL 36867
- 3650 Us 280, Phenix City, AL 36867
- 801 13th St, Phenix City, AL 36867
- 2481 Panther Pkwy, Smiths, AL 36877
Are deposits at Phenix-Girard Bank insured?
Yes. Phenix-Girard Bank is an FDIC-insured bank (FDIC certificate #41). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Phenix-Girard Bank: frequently asked questions
Is Phenix-Girard Bank a good bank?
Phenix-Girard Bank earns a Bankzia Trust Grade of F (46/100, "Weak"), based on a financial-strength score of 46/100 (it has no CFPB complaints on record). Below the well-capitalized threshold (2.0%); Profitable (ROA 0.80%).
Is Phenix-Girard Bank FDIC-insured?
Yes. Phenix-Girard Bank is a FDIC-insured bank (FDIC certificate #41). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Phenix-Girard Bank?
Phenix-Girard Bank holds $344 million in total assets, ranking 93rd of 93 banks we track in Alabama. It operates 4 branches.
Does Phenix-Girard Bank have CFPB complaints?
No CFPB complaints against Phenix-Girard Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
