Phenix-Girard Bank

Established in 1904

About Phenix-Girard Bank

Phenix-Girard Bank was established on 1904. The bank's headquarters are located at 801 13th Street in Phenix City, Alabama.

Phenix-Girard Bank is an FDIC insured bank with FDIC number 41 managing assets to the value of $234,399 as of 12/31/2020.

Phenix-Girard Bank has a Texas ratio of 5.08%.
The bank Texas Ratio is an indicator of the bank's health developed at RBC Capital Markets to measure a financial institution's credit troubles. The lower the Texas Ratio, the healthier the bank.

About the Bank

5.08%
Texas Ratio
FDIC Certificate #

41

Active Insured Since #

1/1/1934

Financial Profile

Dollar figures in thousands (000's)

As of 12/31/2020
Total Assets $234,399
Equity Capital $37,160
Total Deposits $191,479
Total Liabilities $197,239
Total Securities $113,751
Net Loans And Leases $76,423
Loan Loss Allowance $1,053
Total Loans And Leases $77,476
YTD (as of 12/31/2020)
Return On Assets 1.78%
Return On Equity 11.13%
Total Interest Income $7,028
Total Interest Expense $372
Total Non Interest Income $1,684
Total Non Interest Expense $5,206

Headquarters

801 13th Street 36867, Phenix City

Phenix-Girard Bank branches near me

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Total Loans and Leases Statistics

Total Loans and Leases $77,476 In thousands (000's) * All data provided by fdic.gov updated 12/31/2020

Phenix-Girard Bank Mortgage Loans Profile

Classic Bank

96.49%

Application Approval Rate

Classic Bank

$135,000

Average Mortgage Loan Amount

Classic Bank

57

Number of Loan Applications

Classic Bank

$133,656

Average Income of Applicants with Approved Loans

Classic Bank

0.00%

Average Cost of Loans

Classic Bank

27.17%

Average Debt to Income Ratio

* All data provided by the Home Mortgage Disclosure Act, at cfpb.gov updated 12/31/2019

Distribution of Mortgage Loans

Top Counties by Number of Mortgage Loan Applications

1 Russell

Number of Loan Applications
23
Average Loan Amount
$115,000
Approval Rate
95.65%
Average Income of Approved Loans’ Applicants
$120,563

2 Lee

Number of Loan Applications
21
Average Loan Amount
$165,952
Approval Rate
100.00%
Average Income of Approved Loans’ Applicants
$158,727

3 Muscogee

Number of Loan Applications
9
Average Loan Amount
$102,500
Approval Rate
88.89%
Average Income of Approved Loans’ Applicants
$141,750

4 Harris

Number of Loan Applications
3
Average Loan Amount
$158,333
Approval Rate
100.00%
Average Income of Approved Loans’ Applicants
$0

5 Tuscaloosa

Number of Loan Applications
1
Average Loan Amount
$115,000
Approval Rate
100.00%
Average Income of Approved Loans’ Applicants
$35,000

Top States by Number of Mortgage Loan Applications

1 Alabama

Number of Loan Applications
45
Average Loan Amount
$139,318
Approval Rate
97.78%
Average Income of Approved Loans’ Applicants
$132,500

2 Georgia

Number of Loan Applications
12
Average Loan Amount
$117,727
Approval Rate
91.67%
Average Income of Approved Loans’ Applicants
$141,750