BlastPoint's Banking Scorecard
Phenix-Girard Bank
Phenix City, AL
4 branches across AL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
- Deposits +4.0% year over year ($323.6M on the books).
- Delinquency rate 0.52%.
- Return on assets 1.04%.
- Efficiency ratio 65.13% vs a 64.48% peer average.
- Loan-to-deposit ratio 25.10% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Phenix-Girard Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.40% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 29.2% in tier
- - Net Interest Margin 1.16% below tier average
- - ROA 0.28% below tier average
- - Efficiency Ratio 0.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$342.3M
+5.9% YoY
-0.4% QoQ
|
-$44.3M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$81.2M
+0.1% YoY
+3.2% QoQ
|
-$177.1M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 10.9% in tier |
| Total Deposits ? |
$323.6M
+4.0% YoY
-1.2% QoQ
|
-$3.2M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
1.04%
+12.3% YoY
+30.3% QoQ
|
-0.28% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
2.83%
+3.7% YoY
-0.7% QoQ
|
-1.16% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 6.5% in tier |
| Efficiency Ratio ? |
65.13%
-5.4% YoY
-7.5% QoQ
|
+0.65% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
0.52%
+22.0% YoY
+26.1% QoQ
|
-0.40% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
25.10%
-3.8% YoY
+4.4% QoQ
|
-52.86% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 1.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.22%
-2.2% YoY
+5.9% QoQ
|
-0.81% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.12%
+15.4% YoY
+30.7% QoQ
|
-0.55% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
11.76%
+0.2% YoY
+3.2% QoQ
|
-4.14% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.34%
+26.9% YoY
+181.0% QoQ
|
-0.23% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
78% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.2%
-0.5pp YoY +1.2pp QoQ |
-0.9pp | 22.1% | 24.0% | 22.2% | 51% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.7%
+1.3pp YoY +1.1pp QoQ |
-7.9pp | 11.6% | 16.9% | 12.5% | 13% |
| CRE |
65.2%
-4.3pp YoY -2.7pp QoQ |
+25.6pp | 39.5% | 43.5% | 41.4% | 90% |
| 1-4 Family |
30.6%
+2.7pp YoY +1.4pp QoQ |
-2.0pp | 32.6% | 30.6% | 31.3% | 53% |
| Consumer |
0.5%
-0.2pp YoY -0.1pp QoQ |
-3.6pp | 4.1% | 5.7% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
11.8%
0.0pp YoY +0.4pp QoQ |
-0.4pp | 12.2% | 13.2% | 12.6% | 62% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
46
+8 (+21.1%) YoY -1 (-2.1%) QoQ |
-13 | 58 | 304 | 482 | 48% |
| Assets per Employee ($) |
$7.4M
-12.5% YoY +1.7% QoQ |
-$78K | $7.5M | $6.9M | $8.8M | 60% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 20 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.3pp YoY +0.1pp QoQ |
-0.4pp | 0.9% | 1.2% | 1.0% | 53% |
| Allowance Coverage |
2.67x
-24.9% YoY -22.9% QoQ |
-21.48x | 24.15x | 7.50x | 20.23x | 56% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 66% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
43.9%
-112.9pp YoY +8.4pp QoQ |
+31.7pp | 12.2% | 10.0% | 11.6% | 100% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 64% |
| Net Income ($, YTD) |
$1.8M
+21.4% YoY — QoQ |
-$761K | $2.6M | $17.2M | $40.4M | 48% |
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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 (1)
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.