Banks | Phelps County Bank
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Phelps County Bank


Phelps County Bank is an FDIC insured institution headquartered at 718 N Pine St, Rolla, MO 65401.
It was founded in 1963 and has approximately $1 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - April 27, 2026

SAVINGS RATES APY MIN
SAV
0.05% $50 Compare
CD RATES APY MIN
3 Mo CD
3.50% $1,000 Compare
6 Mo CD
3.55% $1,000 Compare
12 Mo CD
3.59% $1,000 Compare
18 Mo CD
3.65% $1,000 Compare
24 Mo CD
3.70% $1,000 Compare
30 Mo CD
3.60% $1,000 Compare
36 Mo CD
3.60% $1,000 Compare
48 Mo CD
3.55% $1,000 Compare
60 Mo CD
3.55% $1,000 Compare
MM RATES APY MIN
Money Market
0.05% $0 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.65% $25,000 Compare
INT CHECKING RATES APY MIN
INTCK
2.02% $1




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18841
Date Established 1963
Assets $ 617.49 million
Loans $ 445.44 million
Deposits $ 561.87 million
Capital $ 47.54 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 90.47 million
Interest-bearing balances $ 87.88 million
Total securities $ 61.72 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 445.44 million
Loan loss allowance $ 4.24 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.03 million
     Total Assets $ 569.95 million

LIABILITIES
Total deposits $ 561.87 million
      Interest-bearing deposits $ 462.19 million
      Deposits held in domestic offices $ 561.87 million
      % insured (estimated)" 78.28%
Federal funds purchased and repurchase agreements $ 5.82 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.36 millionn
      Total Liabilities $ 569.95 million
      Shareholders’ Equity $ 47.54 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 29.60 million
Total Interest Expense $ 6.31 million
Net interest income $ 23.29 million
Provision for loan and lease losses $ 0.42 million
Total non interest income $ 5.11 million
Total non interest expense $ 19.26 million
Pre-tax Net Operating Income $ 3.08 million

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