Phelps County Bank
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Data as of · sourced from FFIEC call reports. How we update
Phelps County Bank is an FDIC-insured commercial bank headquartered in Rolla, MO, established in 1963 (FDIC certificate 18841), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $621.7M, up 12.7% from Q2 2025, the 60th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 13.03% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18841
- Headquarters
- Rolla, MO
- Established
- 1963
- Total assets, Q2 2026
- $621.7M
- Assets vs Q2 2025
- +12.7%
- CET1 ratio, Q2 2026
- 13.03%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081501049
- Latest call report
- Q2 2026, FFIEC 051 · Phelps County Bank call report
- Holding company
- PHELPS COUNTY BANCSHARES, INC.
- Asset rank in state
- 60th of 191 in Missouri
Problem loans are rising at Phelps County Bank. Its balance sheet stood at $622 million at June 30, 2026, up 12.7% from a year earlier; it is based in Rolla, Missouri. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.16% of loans from 0.13% a year earlier. It grew deposits 14.6% over the year, 3.6 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 8.88% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Deposits are coming in faster than loans: over the year loans rose 10.9% and deposits rose 14.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.7 million equal 14% of Tier 1 capital, down from 19% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.3% of the capital and reserves that would absorb them, 3.9 times the median of 2.6% for banks its size.
As of June 30, 2026, Phelps County Bank reported a CET1 capital ratio of 13.03%, a return on assets of 1.32%, a nonperforming-loan ratio of 1.16% and a Texas ratio of 10.28%. The figures come from its call report filed with the FFIEC.
Phelps County Bank ranks as the 60th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $621.7M, loans rose 4.8% and deposits rose 1.2%. 1-4 family residential loans made up 48.1% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 12.5%. The FDIC Summary of Deposits lists 6 offices for it, in Rolla, MO, Saint James, MO and Springfield, MO; its Rolla 3 offices book 77% of its branch deposits. Judged on its Q2 2026 call report, Phelps County Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 718 N Pine St, Rolla, MO 65401
- County
- Phelps
- Metro Area
- Rolla, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1963
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 142
- Domestic deposits
- $565.5M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $626.0M
- Average total loans
- $457.8M
- Average interest-bearing deposits
- $459.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 1, 1963
- FDIC Cert
- 18841
- Fed RSSD
- 342054
- Website
- www.mypcb.com →
- Parent Holding Company
- PHELPS COUNTY BANCSHARES, INC. (RSSD 1095759)
- Ultimate Parent
- RSSD 1249600
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Phelps County Bank's total assets ran between $476.4M (Q3 2023) and $621.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$621.7M total assets against $551.6M; $573.2M total liabilities against $510.8M.
$465.8M net loans and leases against $420.1M; $565.5M total deposits against $493.6M.
$55.2M securities against $84.5M; $77.9M cash and balances due against $28.2M.
$8.4M total interest income against $7.3M; $2.0M total interest expense against $1.5M.
$6.4M net interest income against $5.8M.
$1.3M total noninterest income against $1.2M; $5.5M total noninterest expense against $4.7M.
$145K provision for credit losses against $60K.
$2.1M net income against $2.3M.
1.32% return on assets against 1.66%; 4.23% net interest margin against 4.32%.
13.03% CET1 capital ratio against 13.19%; 8.88% tier 1 leverage ratio against 9.05%.
Inside the full Phelps County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Phelps County Bank rankings
Its closest position to the top of a national ranking is 615 of 3,640, for Texas Ratio; its furthest is 2,837 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.32% (Q2 2026) to 1.66% (Q2 2025) and its net interest margin ran from 4.03% (Q3 2024) to 4.40% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.03% | 1.32% | 1.16% | 10.28% | 4.23% |
| Q1 2026 | 14.04% | 1.41% | 0.08% | 0.77% | 4.24% |
| Q4 2025 | 13.35% | 1.40% | 0.09% | 0.78% | 4.20% |
| Q3 2025 | 13.45% | 1.57% | 0.08% | 0.67% | 4.40% |
| Q2 2025 | 13.19% | 1.66% | 0.13% | 1.20% | 4.32% |
| Q1 2025 | 14.03% | 1.52% | 0.11% | 1.00% | 4.26% |
| Q4 2024 | 13.85% | 1.64% | 0.12% | 1.13% | 4.15% |
| Q3 2024 | 13.80% | 1.49% | 0.22% | 2.05% | 4.03% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Phelps County Bank (main office) | Rolla , MO | 65401 | $360.8M |
| St. James Branch | Saint James , MO | 65559 | $108.4M |
| Highway 72 Branch | Rolla , MO | 65401 | $65.7M |
| Springfield Downtown Branch | Springfield , MO | 65806 | $14.2M |
| Ms&T Branch | Rolla , MO | 65401 | $9.3M |
| Phelps County Bank - Springfield Branch | Springfield , MO | 65804 | $7.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 2, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 1984 | Structure Change | Acquired St. James Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 73 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 174 applications, 130 loans originated, $28.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $224K approved, $112K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Phelps County Bank
What are Phelps County Bank's total assets?
As of the Q2 2026 filing, Phelps County Bank reported total assets of $621.7 million in its FFIEC call report.
Where is Phelps County Bank headquartered?
It is headquartered in Rolla, MO, United States.
When was Phelps County Bank founded?
It was established in 1963, per the FDIC institution directory.
Is Phelps County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18841). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Phelps County Bank?
Phelps County Bank's primary federal regulator is the FDIC.
What is Phelps County Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Phelps County Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Phelps County Bank's Texas Ratio?
Its Texas Ratio is 10.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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