Headquartered in Rolla, Missouri, Phelps County Bank is a state-chartered bank with $621.7M in total assets and $565.5M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1963.
Based on its Q2 2026 filing, Phelps County Bank scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 157th. Its strongest component is problem-loan coverage (79/100; 10.3%), and its lowest is capital cushion (39/100; 8.88%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 13 points (74 → 61), mostly because the loan quality component weakened by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 72 |
| Q4 2024 | 74 |
| Q1 2025 | 74 |
| Q2 2025 | 74 |
| Q3 2025 | 75 |
| Q4 2025 | 74 |
| Q1 2026 | 74 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.17% |
| Q3 2024 | 9.44% |
| Q4 2024 | 9.67% |
| Q1 2025 | 9.69% |
| Q2 2025 | 9.05% |
| Q3 2025 | 9.29% |
| Q4 2025 | 9.23% |
| Q1 2026 | 9.25% |
| Q2 2026 | 8.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.12% |
| Q1 2025 | 0.11% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.08% |
| Q2 2026 | 1.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.46% |
| Q3 2024 | 1.47% |
| Q4 2024 | 1.51% |
| Q1 2025 | 1.52% |
| Q2 2025 | 1.60% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.53% |
| Q1 2026 | 1.39% |
| Q2 2026 | 1.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $621.7M | 8.88% | 1.16% | 1.36% | 82.4% |
| Q1 2026 | 74 | $616.7M | 9.25% | 0.08% | 1.39% | 79.5% |
| Q4 2025 | 74 | $617.5M | 9.23% | 0.09% | 1.53% | 79.3% |
| Q3 2025 | 75 | $561.8M | 9.29% | 0.08% | 1.60% | 85.7% |
| Q2 2025 | 74 | $551.6M | 9.05% | 0.13% | 1.60% | 85.1% |
| Q1 2025 | 74 | $535.1M | 9.69% | 0.11% | 1.52% | 88.8% |
| Q4 2024 | 74 | $512.9M | 9.67% | 0.12% | 1.51% | 86.2% |
| Q3 2024 | 72 | $501.0M | 9.44% | 0.22% | 1.47% | 88.2% |
| Q2 2024 | 70 | $486.2M | 9.17% | 0.25% | 1.46% | 86.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| Verimore BankBank Brookfield, MO | 76 out of 100, Strong | $639.1M | 10.6% | 0.26% | vs |
| The Maries County BankBank Vienna, MO | 89 out of 100, Very strong | $600.5M | 14.8% | 0.12% | vs |
| Regional Missouri BankBank Marceline, MO | 84 out of 100, Strong | $597.4M | 11.6% | 0.07% | vs |
| First Midwest Bank of DexterBank Dexter, MO | 69 out of 100, Moderate | $652.0M | 11.0% | 0.79% | vs |
| First State Bank and Trust Company, Inc.Bank Caruthersville, MO | 56 out of 100, Moderate | $659.0M | 12.6% | 4.76% | vs |
Deposit insurance
Is my money safe at Phelps County Bank?
Yes. Phelps County Bank is an FDIC-insured institution (FDIC certificate #18841). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.8% of deposits ($111.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.88%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.13% (benchmark: 10%).
6 locations
Branches
Phelps County Bank lists 6 offices in 3 cities. Most locations:
- Rolla, MO (3)
- Springfield, MO (2)
- Saint James, MO (1)
Identity & history
Profile
- Legal name
- Phelps County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18841
- RSSD ID
- 342054
- Primary regulator
- FDIC
- Holding company
- Phelps Cnty Bk Employee Stk Ownership Plan
- Established
- August 1, 1963
- Headquarters
- 718 N Pine St, Rolla, MO 65401
- Website
- www.mypcb.com
- Employees
- 142
Quick answers
Phelps County Bank: common questions
Is Phelps County Bank FDIC insured?
Yes. Phelps County Bank is an FDIC-insured institution (FDIC certificate #18841). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Phelps County Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Phelps County Bank ever failed?
There is no failure record for FDIC certificate #18841 in the FDIC failed bank list.
How many branches does Phelps County Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Rolla
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| The Maries County BankBank Vienna, MO | 89 out of 100, Very strong | $600.5M | 14.8% | 0.12% | vs |
| Town & Country BankBank Salem, MO | 86 out of 100, Very strong | $747.7M | 12.4% | 0.35% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Peoples BankBank Cuba, MO | 80 out of 100, Strong | $248.7M | 11.0% | 0.23% | vs |
| First State Community BankBank Farmington, MO | 73 out of 100, Strong | $4.5B | 11.7% | 1.07% | vs |