Phelps County Bank

Overview / Commentary
718 North Pine Street
Rolla, MO 65401-3110

Phelps County Bank is headquartered in Rolla and is the 60th largest bank in the state of Missouri. It is also the 1,687th largest bank in the nation. It was established in 1963 and as of December of 2021, it had grown to 95 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 - YTD1.48%
Return on Equity - YTD20.85%
Annual Interest Income$15.1MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$528.8MM$458.1MM
LoansQ4 2021vs Q4 2020$252.5MM$246.2MM
DepositsQ4 2021vs Q4 2020$465.1MM$407.1MM
Equity CapitalQ4 2021vs Q4 2020$35.1MM$32.9MM
Loan Loss AllowanceQ4 2021vs Q4 2020$3.3MM$3.1MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$833.00K$824.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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Always verify rates and promotions with the bank or credit union. We are not Phelps County Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.05%$50-Personal Savings
0.05%$50-Business Savings

Phelps County Bank Money Market Rates

0.15%*$25k*-Premier Money Market Accounts
OTHER TIERS: 0.05% Up to $10k | 0.10% $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

0.40%$1k-60 Month CD
0.30%$1k-48 Month CD
0.25%$1k-36 Month CD
0.20%$1k-24 Month CD
0.20%$1k-30 Month CD
0.15%$1k-12 Month CD
0.15%$1k-18 Month CD
0.01%$1k-6 Month CD
0.01%$1k-3 Month CD

Phelps County Bank IRA Rates

0.40%$100-60 Month IRA
0.30%$100-48 Month IRA
0.25%$100-36 Month IRA
0.20%$100-24 Month IRA
0.20%$100-30 Month IRA
0.15%$100-12 Month IRA
0.15%$100-18 Month IRA
0.01%$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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