# PHENIX-GIRARD BANK
PHENIX CITY, AL · FDIC certificate 41 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $342.3M | |
| Deposits | $323.6M | |
| Loans and leases | $82.3M | |
| Total equity | $9.0M | |
| Loans / deposits | 25.10% (p1 of band) | 82.04% |
| Liquid assets / assets | 72.82% (p99 of band) | |
| Uninsured deposits / deposits | 53.25% (p96 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.76% (p66 of band) | 10.81% |
| Unrealized securities loss / equity | -439.34% (p0 of band) | -8.10% |
| AOCI / equity | -18.57% (p0 of band) | |
| ROA (annualized) | 1.04% (p35 of band) | 1.28% |
| Net interest margin | 2.83% (p7 of band) | 3.91% |
| Efficiency ratio | 65.13% (p62 of band) | |
| Noncurrent loans | 0.51% (p55 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p57 of band) | |
| Reserve coverage of noncurrent | 267.06% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 265.64% (p100 of band) | |
| Auto loans | $73,000 (0.09% of loans; DQ 10.96%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 1 |  | capital falling, uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | capital falling, charge-offs p90 |  |
| 2013-09 | 2 | AOCI drag >20% of equity | capital falling, charge-offs p90 |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | charge-offs p90 | capital falling |
| 2016-12 | 1 | assets shrinking | charge-offs p90 |
| 2017-03 | 0 |  | assets shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | assets shrinking |  |
| 2017-12 | 0 |  | assets shrinking |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |
| 2022-12 | 2 | capital falling, assets shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 0 |  | capital falling, assets shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | securities losses >30% of equity, construction >100% equity |  |
| 2024-03 | 1 | capital falling | securities losses >30% of equity, construction >100% equity |
| 2024-06 | 2 | securities losses >30% of equity, construction >100% equity | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 | uninsured deposits >50% | securities losses >30% of equity, construction >100% equity |
| 2025-03 | 4 | capital falling, securities losses >30% of equity, construction >100% equity |  |
| 2025-06 | 3 |  | capital falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 5 | capital falling, AOCI drag >20% of equity |  |
| 2026-06 | 3 |  | capital falling, AOCI drag >20% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-12-27 [Arrest made in Phenix City bank robbery case - WTVM.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE45cExHT1VwWlQ2UkEtZllwOG9RQnE4T1lsLVBqWE1BX2t3alQydUUwMjlFNXlMaEtyejhCZ1R2czZaaHh4Y2lhSjU5ZzU1Tmlfb3VzbjkwNjJXT2pwTXlzaFhGVlo1VjRPVXI5bldVdmtfdnFjM1B2NUpoVDNYV3PSAZMBQVVfeXFMTUpPYWU3YUlselhmZGZpWnlJLW1Ba1FPZjBVTF9qcXdGOG45eUxLbTJDQnV2QXJ1YzNjS1NqdWMwQUlyazBWUUtxbkpYTjR4QlhMTldqZ3dXN3V5ZzYwQk1zSFZQS1FxNEU4X3FwdmNybnRCMnBVLUpjVkx0QXo3alhrUHRVWHprOHFKWFpjdkVjRjgw?oc=5) · WTVM.com
- 2023-08-18 [4 men tried to rob ATM machines in GA and AL with a truck, hooks & chains. How they plea - Columbus Ledger-Enquirer](https://news.google.com/rss/articles/CBMiekFVX3lxTE5JVXJHTU5MRXRmM3ppYVZHeHpYY3RIXzZBTXdFdWtUYkRPcWxfZ2c3ZHlSR21lbWxZek9nRjlSWWJLTDdvR296ZkY3anFHdUF6ZjJRYVVNRGVLWGpjNXpna2ZtZ3c1R3NEbnlvYzBSbjd2TFVZdG85UGtn0gF6QVVfeXFMTlA0QlNYS0hkVEViRHlFekQ3TVY4N0htN2dLQlVZV2pBQURRNHE0VEpwTHRrREJhZFJjdzY1dWhtSlppa1kxaGItX2tCeU9fcVhPLS0yZGFhNEVGcVZMTE56cTJfck55S3lUNUltMzlQWU9yc0trNGcwZUE?oc=5) · Columbus Ledger-Enquirer
- 2024-12-31 [2nd arrest made in Phenix City armed robbery - cnaw2news.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPem9OUWxuTGtCYmotbHVqYWFES19KbFpLTmVGMXhqYUZvdEUxQzlHS1VBeHpaV1dxRmpXNmpiVkRzU1lNRFZtVnl6SzRYbWRLZ041UzdKcF84N0xfMUZzb204cC1vWUJzQ1k0NTRxVXExM3VYMWFvRzNoeENPb0JTTDZ6VlM?oc=5) · cnaw2news.com
- 2024-12-31 [2nd suspect arrested in Phenix City bank robbery case - WTVM.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQTmxvRmYtd3NmT1JZNGlHOTRfX2hTUXJRVFdvV2FMOHhXR0lJaTQ0dlpHYXBTYm1nMHJMU1lBTzQxMWlEdUpkc2YwS3B5aDYtZ2ZkUDhKd21yM1JaeUpFcEVET1NyYWdTbG03WDU4M1BlY1lOc3NQNmtqV21kdDdHX3lremRkN2p4bFpR0gGfAUFVX3lxTE9jNTFzQmd1cXAzYUdKbWktVmtmdEVLMkYzLWRJRHZoamdJOHZwZGd0QVd4SUdWYXFoU2VBUnZfMUMtNXZ2b1FNbkIxYlRJTG05aDJxZVR5OFY4NG5xajNZWlVmRXVWQnlKU282SDkwNzFiMzNaU0ZPbFg4c2ZFa3NJSVFTdGpldW94bXE2aW9lYkxOSmVJcWJhZWVvZTZmVQ?oc=5) · WTVM.com
- 2022-08-28 [John Dudley Obituary (1937 - 2022) - Smiths Station, AL - The Opelika-Auburn News - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNRlYxa204blItVzVfamZKdy1ZSjV0a1FJa2ZqdjVfei1FRlJXSF9JYURoclFnVnNoN2hpQ0xnU2V3YzJjZGcwU0ZoUUZ5cVpxRE9mS2tpY3RKY0xPMjVwS1VMM3B3NDhCRXp3ZDFwdkhNeWV1alEwRjB4d291ZTNSYVUwbUFkOXc?oc=5) · legacy.com
- 2012-08-16 [2 arrested, 1 at large for Phenix Girard Bank robbery - WTVM.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOYlRLa3FmemVGblBoQ2R0cWFGWjljTURCdF9lRXBaQldvUW01SV9vdFM2WmNPOUNTSlRoXzJlM0N2RWhYdnMwSlN6ZXp6WTY0eWJ5X05EVjFqSjVObmRYV0oyMlMxZjZCT3VCUnF6cVBsaG1nZFVQckRkd0g0T0NTWlZWUWQ3Z0p1Ry1sTXhITlhMcmfSAaYBQVVfeXFMTWpCOHN2TUFmMDdmWlc3Yk9HbFBCRWdMUGgzd05BM0l2ZHJqdzk3ZzhOd0ZwRVFKS3RlRFFnV2U0NUVnd0M4NEZ2QkNYUWh3S1V3WmRGLUNhN1k2X3kzR1Bnem5fNGx6TkxrWFctcVZvZW9keWwzdWZ4elJ6b0xqVXllTzY2VFVqdkpOdE1QdEFWU1ZoTE5jVXFEV0J1dTQtQW5hU1ZYZw?oc=5) · WTVM.com
- 2024-06-08 [Tracy Bolin Colbert Obituary (2024) - Phenix City, AL - Colonial Funeral Home & Crematory - Phenix City - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPSzFBdEk2ZGx3OXlZcHRNLW84RlduZWI4ajlSOVFYal9RZUFhMG9uTU4taFlyRXBPVlZmdlU5OGRFWFhLVkd3WFR2ejBwU2d6T3ZSRzJoRDhDTjY3YlZGamwxRWxWMmdYdkpuVzNmZnM0d29MRzFwNG1aR0VQUU1hV1Vn?oc=5) · legacy.com
- 2017-07-11 [Snake found in Phenix City bank's restroom - WTVM.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOQU94WjZ3U3gyRnRSLTN5dDdhb1V5ZWU4aGdoV3llYnNpeUI4SmRJMlA0VDVhdW00d1pzTEZyV1dMd090UDZrLXNlY0lwNzh6LTJmSi1icXA1M3lnZXhqcmZZRzJiTVJVeEQ0N3lZWkFkb3lKcTI2ekNsMVZkNmtUTDNlWDbSAZcBQVVfeXFMUFVmTTJNUDFUWGFjUy1fRnRSbjljT2JoVU5OS3ZTTWZfSExBMUpVUll2VGpDbXc2Ti1sVEc4UWFWT2MwZFVjcFVfZEpUSlV1MnNIaTRwaVJHY1R5ZG1GMTZLVUt5REk0R0w2V25UYW51YTNpVnJiNzZ4ZnBySjhGR0xReDB3a3phX1dzcU5VXzdVWk1yOUk1QQ?oc=5) · WTVM.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=41 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "41", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide