Phelps County Bank

Overview / Commentary

www.mypcb.com

573-364-5202

718 North Pine Street
Rolla, MO 65401-3110

Phelps County Bank is headquartered in ROLLA and is the 65^th largest bank in the state of Missouri. It is also the 1,770^th largest bank in the nation. It was established in 1963 and as of March of 2023, it had grown to 94 employees at 4 locations. Phelps County Bank's money market rates are 48% higher than the national average, and it has a B health rating.

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Health

Data as of Q1 2023

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Health Grade Components

Overall
FDIC Certificate #	18841
Year Established	1963
Employees	94
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.69%
Return on Equity - YTD	29.54%
Annual Interest Income	$4.9MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$492.4MM$518.8MM
Loans	Q1 2023vs Q1 2022	$296.2MM$256.0MM
Deposits	Q1 2023vs Q1 2022	$441.7MM$457.6MM
Equity Capital	Q1 2023vs Q1 2022	$29.2MM$32.0MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$3.5MM$3.3MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$884.00K$729.00K
Real Estate Owned	Q1 2023vs Q1 2022	$93.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
1.00%	$25	-	Minor Savings
0.05%	$50	-	Personal Savings
0.05%	$50	-	Business Savings

Phelps County Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%^*	$25k^*	-	Premier Money Market Accounts
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k

Phelps County Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	-	$25k	Ultimate Checking
OTHER TIERS: 0.08% → $25k+
0.01%	-	-	50+Free Checking
0.01%	-	-	VIP Free Checking
0.01%	-	-	Business Interest Checking

Phelps County Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.36%	$1k	-	60 Month CD
1.26%	$1k	-	48 Month CD
1.21%	$1k	-	36 Month CD
1.15%	$1k	-	30 Month CD
1.10%	$1k	-	24 Month CD
1.06%	$1k	-	18 Month CD
1.00%	$1k	-	12 Month CD
0.50%	$1k	-	6 Month CD
0.25%	$1k	-	3 Month CD

Phelps County Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.36%	$100	-	60 Month IRA
1.26%	$100	-	48 Month IRA
1.21%	$100	-	36 Month IRA
1.15%	$100	-	30 Month IRA
1.10%	$100	-	24 Month IRA
1.06%	$100	-	18 Month IRA
1.00%	$100	-	12 Month IRA
0.50%	$100	-	6 Month IRA

Locations

Phelps County Bank Locations
St. James Branch	220 N. Jefferson	Saint James, MO 65559
Phelps County Bank	718 N Pine St	Rolla, MO 65401
Drive-In Facility	Highway 72 and Salem Avenue	Rolla, MO 65401
Phelps County Bank - Umr Branch	718 N. Pine Street	Rolla, MO 65409

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