Phelps County Bank

Overview / Commentary
718 North Pine Street
Rolla, MO 65401

Phelps County Bank is headquartered in Rolla and is the 72nd largest bank in the state of Missouri. It is also the 1,816th largest bank in the nation. It was established in 1963 and as of September of 2020, it had grown to 94 employees at 4 locations. Phelps County Bank has an A health rating.


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Health Grade Components

FDIC Certificate #18841
Year Established1963
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.03%
Return on Equity - YTD25.7%
Annual Interest Income$11.0MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$434.0MM$375.4MM
LoansQ3 2020vs Q3 2019$243.1MM$230.5MM
DepositsQ3 2020vs Q3 2019$381.7MM$334.7MM
Equity CapitalQ3 2020vs Q3 2019$33.3MM$28.4MM
Loan Loss AllowanceQ3 2020vs Q3 2019$3.0MM$2.6MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$861.00K$541.00K
Real Estate OwnedQ3 2020vs Q3 2019$0$145.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Phelps County Bank Savings Account Rates

1.00%$25-Minor Savings
0.10%$50-Personal Savings
0.10%$50-Business Savings

Phelps County Bank Money Market Rates

0.25%*$25k*-Premier Money Market Accounts
OTHER TIERS: 0.05% Up to $10k | 0.15% $10k - $25k

Phelps County Bank Checking Account Rates

0.50%*-$25kUltimate Checking
OTHER TIERS: 0.06% $25k+
0.01%--50+Free Checking
0.01%--VIP Free Checking
0.01%--Business Interest Checking

Phelps County Bank CD Rates

0.60%$1k-60 Month CD
0.55%$1k-48 Month CD
0.50%$1k-36 Month CD
0.45%$1k-30 Month CD
0.40%$1k-24 Month CD
0.35%$1k-18 Month CD
0.30%$1k-12 Month CD
0.15%$1k-6 Month CD
0.05%$1k-3 Month CD

Phelps County Bank IRA Rates

0.60%$100-60 Month IRA
0.55%$100-48 Month IRA
0.50%$100-36 Month IRA
0.45%$100-30 Month IRA
0.40%$100-24 Month IRA
0.35%$100-18 Month IRA
0.30%$100-12 Month IRA
0.15%$100-6 Month IRA

Phelps County Bank Locations
St. James Branch220 N. JeffersonSaint James, MO 65559
Phelps County Bank718 North Pine StreetRolla, MO 65401
Drive-In FacilityHighway 72 and Salem AvenueRolla, MO 65401

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