BlastPoint's Banking Scorecard
Phenix-Girard Bank
Phenix City, AL
4 branches across AL
Phenix-Girard Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 28.8% in tier
- - Credit Quality Pressure: Bottom 35.2% in tier
- - Net Interest Margin 1.08% below tier average
- - Efficiency Ratio 5.11% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$343.8M
+7.0% YoY
-0.5% QoQ
|
-$42.3M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$78.7M
-1.6% YoY
-3.0% QoQ
|
-$177.0M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.7% in tier |
| Total Deposits ? |
$327.4M
+5.6% YoY
-0.2% QoQ
|
-$553K |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
0.80%
-11.7% YoY
-12.6% QoQ
|
-0.47% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
2.85%
+4.6% YoY
+3.5% QoQ
|
-1.08% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.5% in tier |
| Efficiency Ratio ? |
70.39%
+3.4% YoY
+1.1% QoQ
|
+5.11% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
0.41%
+111.2% YoY
|
-0.48% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
24.03%
-6.9% YoY
-2.8% QoQ
|
-52.61% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 1.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.04%
-2.7% YoY
-2.7% QoQ
|
-1.98% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.09%
-17.3% YoY
|
-0.54% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.40%
-2.0% YoY
-1.0% QoQ
|
-4.43% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.12%
-12.7% YoY
-75.6% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
63% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.