Phelps County Bank

Overview / Commentary
718 North Pine Street
Rolla, MO 65401

Phelps County Bank is headquartered in Rolla and is the 71st largest bank in the state of Missouri. It is also the 1,903rd largest bank in the nation. It was established in 1963 and as of December of 2018, it had grown to 89 employees at 4 locations. Phelps County Bank has a B health rating.


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Health Grade Components

FDIC Certificate #18841
Year Established1963
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD22.77%
Annual Interest Income$13.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$361.9MM$383.9MM
LoansQ4 2018vs Q4 2017$221.1MM$210.3MM
DepositsQ4 2018vs Q4 2017$329.5MM$349.5MM
Equity CapitalQ4 2018vs Q4 2017$24.0MM$25.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$2.6MM$2.4MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$990.00K$733.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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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
0.25%$50-Personal Savings
0.25%$50-Business Savings

Phelps County Bank Money Market Rates

0.30%*$25k*-Premier Money Market Accounts
OTHER TIERS: 0.10% Up to $10k | 0.20% $10k - $25k

Phelps County Bank Checking Account Rates

1.11%*-$25kUltimate Checking
OTHER TIERS: 0.25% $25k+
0.05%--50+Free Checking
0.05%--VIP Free Checking
0.05%--Business Interest Checking

Phelps County Bank CD Rates

1.36%$1k-60 Month CD
1.31%$1k-30 Month CD
1.16%$1k-48 Month CD
1.06%$1k-36 Month CD
1.00%$1k-24 Month CD
0.85%$1k-18 Month CD
0.75%$1k-12 Month CD
0.35%$1k-6 Month CD
0.25%$1k-3 Month CD

Phelps County Bank IRA Rates

1.36%$100-60 Month IRA
1.31%$100-30 Month IRA
1.16%$100-48 Month IRA
1.06%$100-36 Month IRA
1.00%$100-24 Month IRA
0.85%$100-18 Month IRA
0.75%$100-12 Month IRA
0.35%$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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