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Phenix-Girard Bank

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Phenix-Girard Bank Rates & Review June 2026

Q: How many branches does Phenix-Girard Bank operate?

Phenix-Girard Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Phenix-Girard Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Phenix-Girard Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 5, 2026

You can compare Phenix-Girard Bank rates to other rates in our database, including 12-month CD rates currently at 2.77%, 6-month CD rates at 1.00% and 3-month CD rates at 3.80%. Savings rates are at 0.13% and money market rates are at 0.02%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to Phenix-Girard Bank rates. MonitorBankRates evaluates the financial stability of Phenix-Girard Bank with a 1.0 Star Rating, an D Overall Health Grade, and a Texas Ratio of 0.00%. Rates were last updated on 06/05/2026.

Phenix-Girard Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Phenix-Girard Bank? Share your experience about Phenix-Girard Bank by leaving a review below, or read customer reviews before you decide to use Phenix-Girard Bank.

Overall Health & Safety Grade

Weak Health Score: 60/100

MonitorBankRates Rating

1.0

Weak Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Phenix-Girard Bank

801 13th St
Phenix City, AL 36867

https://www.phenix-girard.com

Current Rate Availability

We do not have Phenix-Girard Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Phenix-Girard Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Phenix-Girard Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Phenix-Girard Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Phenix-Girard Bank

Bank Holding Company PHENIX-GIRARD BANCSHARES INC

Address 801 13th St, Phenix City, AL 36867 · Russell

Website https://www.phenix-girard.com

FDIC Certificate # 41

Established 05/04/1904

FDIC Insurance Date 01/01/1934

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 60/100

1.0

Weak Out of 5.0 Stars

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6433%

Non-Performing Loans (NPL) 0.03%

Total Assets $345,388,000

Total Deposits $327,931,000

Equity Capital $8,801,000

Net Income $2,982,000

Headquarters Phenix City

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Phenix-Girard Bank

How many branches does Phenix-Girard Bank operate?

Phenix-Girard Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Phenix-Girard Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Phenix-Girard Bank provides members with tools to manage their accounts and build a solid financial history.

Does Phenix-Girard Bank offer online and mobile banking?

Most modern institutions like Phenix-Girard Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.phenix-girard.com.