Phelps County Bank
Rolla, MO
IDRSSD: 342054
Total Assets
$617.49M
Latest filing
Total Deposits
$561.87M
Latest filing
Net Interest Margin
4.31%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Phelps County Bank
718 N Pine St
Rolla, MO 65401
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/01/1963FDIC Certificate 12697
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Phelps County Bank (Main) | 718 N Pine St | Rolla, MO |
| HIGHWAY 72 BRANCH | 1201 E State Highway 72 | Rolla, MO |
| MS&T BRANCH | 1346 N Bishop Ave | Rolla, MO |
| SPRINGFIELD DOWNTOWN BRANCH | 334 E. Walnut Street | Springfield, MO |
| PHELPS COUNTY BANK - SPRINGFIELD BRANCH | 1770 W. Sunset Street | Springfield, MO |
| ST. JAMES BRANCH | 220 N Jefferson St | Saint James, MO |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/01/1963 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 65401 |
| State and County Number | 29161 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Rolla, MO |
Operational Info
| Number of Employees | 128 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/01/1963 |
| Primary Insurance Agency | DIF |
| Website | www.mypcb.com |
| Data Updated | 01/30/2026 |
| CERT | 18841 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $617.49M |
| Total Deposits | $561.87M |
| Total Liabilities | $569.95M |
| Total Equity Capital | $47.54M |
| Net Income | $2.06M |
| Net Loans and Leases | $445.44M |
| Assets Per Employee ($Millions) | $4.57M |
| Bank Premises and Fixed Assets | $15.70M |
| Cash and Balances due from Depository Institutions | $90.47M |
| Deposits Held in Domestic Offices | $561.87M |
Key Performance Ratios
| Return on Assets (ROA) | 1.4% |
| Return on Equity (ROE) | 17.78% |
| Net Interest Margin | 4.31% |
| Efficiency Ratio | 70.62% |
| Tier 1 Risk-Based Capital Ratio | 13.347% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.699% |
| Earning Assets to total Assets | 96.36% |
Income and Expense
| Total Interest Income | $7.96M |
| Total Noninterest Income | $1.30M |
| Total Interest Expense | $1.85M |
| Total Noninterest Expense | $5.24M |
| Net Interest Income | $6.12M |
| Pre-tax Net Operating Income | $2.06M |
| Provision for Credit Losses | $120.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $5.82M |
| All Other Liabilities | $2.26M |
| Total Liabilities and Capital | $617.49M |
Securities
| Securities | $61.72M |
| Available-for-sale debt securities | $57.72M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $4.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Phelps County Bank?
$617.49M as of the latest filing.
How much are Phelps County Bank's total deposits?
$561.87M in total deposits.
Where is Phelps County Bank located?
Rolla, MO.
What is the Net Interest Margin?
4.31%.
How many domestic offices does it operate?
6.
When was it established?
08/01/1963.
What is the Return on Assets (ROA)?
1.4%.
How much are total loans and leases?
$445.44M (latest filing).
What is the total interest income (latest filing)?
$7.96M.