PHELPS COUNTY BANK

ROLLA, MO | Medium | Est. Aug. 1, 1963, midnight | FDIC #18841 | RSSD #342054 | FDIC
Latest Report: 2025-12-31

PHELPS COUNTY BANK is amn medium FDIC-insured commercial bank headquartered in ROLLA, MO, established in Aug. 1, 1963, midnight. As of 2025-12-31, the bank reported total assets of $617M and total deposits of $562M. Profitability stands at 1.40% ROA and 17.78% ROE, with a net interest margin of 4.51%. The bank's CET1 capital ratio is 13.35%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.76%. FDIC Certificate #18841.

Assets

$617M

Deposits

$562M

Loans

$450M

Equity

$48M

Profitability

Return on Assets (ROA) 1.40%
Return on Equity (ROE) 17.78%
Net Interest Margin (NIM) 4.51%
Yield on Assets 5.87%
Cost of Funds 1.39%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.76%
NPA Ratio 0.06%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 13.35%
Tier 1 Capital 13.35%
Total Capital Ratio 14.44%
Leverage Ratio 9.23%
Loan-to-Deposit 80.03%

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