Phelps County Bank

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

Phelps County Bank is headquartered in ROLLA and is the 65th largest bank in the state of Missouri. It is also the 1,770th 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 Grade Components

FDIC Certificate #18841
Year Established1963
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.69%
Return on Equity - YTD29.54%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$492.4MM$518.8MM
LoansQ1 2023vs Q1 2022$296.2MM$256.0MM
DepositsQ1 2023vs Q1 2022$441.7MM$457.6MM
Equity CapitalQ1 2023vs Q1 2022$29.2MM$32.0MM
Loan Loss AllowanceQ1 2023vs Q1 2022$3.5MM$3.3MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$884.00K$729.00K
Real Estate OwnedQ1 2023vs Q1 2022$93.00K$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

0.65%*$25k*-Premier Money Market Accounts
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k

Phelps County Bank Checking Account Rates

2.02%*-$25kUltimate 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

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

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

Phelps County Bank Locations
St. James Branch220 N. JeffersonSaint James, MO 65559
Phelps County Bank718 N Pine StRolla, MO 65401
Drive-In FacilityHighway 72 and Salem AvenueRolla, MO 65401
Phelps County Bank - Umr Branch718 N. Pine StreetRolla, MO 65409

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