PHENIX-GIRARD BANCSHARES INC is the bank holding company. PHENIX-GIRARD BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

PHENIX-GIRARD BANCSHARES INC

Legal name: PHENIX-GIRARD BANCSHARES, INC.

1 active bank · $344M combined assets

RSSD ID: 2013246 (FFIEC NIC)

Combined Assets

$344M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankPHENIX-GIRARD BANKPHENIX CITY, ALSatisfactory$344MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$344M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$327M

Net Income

$690K

ROA (avg)

0.8%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

96.08%

Denial Rate

1.96%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
PHENIX-GIRARD BANK	PHENIX CITY, AL	FDIC	$344M	100.0%	Satisfactory	Dec 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.