Bank · FDIC insured
Phelps County Bank
A $621.7M bank headquartered in Rolla, MO, with 6 branches in Missouri. Best rates: CDs 3.96% and savings 0.10% APY.
Phelps County Bank Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#4 of 6 in Rolla, MO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Phelps County Bank
Phelps County Bank was established by local citizens in 1963 as a community bank.
The bank is 100% owned by its employees through an Employee Stock Ownership Plan.
In 1984, Phelps County Bank acquired and merged a bank in St. James, Missouri.
- Headquarters
- 718 N Pine St, Rolla, MO 65401
- FDIC certificate
- 18841 ↗
Branches
6 branches in Missouri
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Missouri
6 branches
Rolla area · 4
- Phelps County BankMain office718 N Pine St, Rolla, MO 65401Directions
- Highway 72 Branch1201 E State Highway 72, Rolla, MO 65401Directions
- Ms&T Branch1346 N Bishop Ave, Rolla, MO 65401Directions
- St. James Branch220 N Jefferson St, St. James, MO 65559Directions
Springfield area · 2
- Springfield Branch1770 W. Sunset Street, Springfield, MO 65804Directions
- Springfield Downtown Branch334 E. Walnut Street, Springfield, MO 65806Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.88% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.16% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.36% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $83 | $81 | — |
- CapitalLeverage ratio8.88%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.16%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.36%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$83Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Phelps County Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.