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 59^th largest bank in the state of Missouri. It is also the 1,721^st largest bank in the nation. It was established in 1963 and as of June of 2022, it had grown to 92 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

B+

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	18841
Year Established	1963
Employees	92
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.19%
Return on Equity - YTD	20.39%
Annual Interest Income	$7.0MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$507.7MM$484.0MM
Loans	Q2 2022vs Q2 2021	$262.2MM$244.8MM
Deposits	Q2 2022vs Q2 2021	$458.3MM$425.2MM
Equity Capital	Q2 2022vs Q2 2021	$23.5MM$35.8MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$3.3MM$3.1MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$938.00K$1.1MM
Real Estate Owned	Q2 2022vs Q2 2021	$0$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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