PHELPS COUNTY BANK is an 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%. CET1 capital ratio: 13.35%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 0.76%. Operates 6 domestic branches.
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