PHENIX-GIRARD BANK
PHENIX CITY, ALABAMA · FDIC Cert #41
Capital & Safety Analysis
According to FDIC financial data, PHENIX-GIRARD BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject PHENIX-GIRARD BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
PHENIX-GIRARD BANK shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
PHENIX-GIRARD BANK has a Bank Health Score of C (59/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
PHENIX-GIRARD BANK holds $283M in total assets and $274M in total deposits. It is located in PHENIX CITY, ALABAMA (FDIC Certificate #41).
PHENIX-GIRARD BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.23%, and the return on assets is 0.79%.
Yes. PHENIX-GIRARD BANK is FDIC-insured (Certificate #41). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.