Advertisement
Phelps County Bank
Rolla, MO · FDIC Certificate #18841 · Chartered 08/0
Total assets
$621.72M
Total deposits
$565.51M
Total equity
$48.55M
Net loans
$465.77M
Branches (offices)
6
Net income (YTD)
$4.22M
Rank: #1,517 of 4,213 U.S. banks by assets · #60 of 190 in Missouri. Assets changed 12.7% and deposits 14.6% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.36% |
| Return on equity | 17.37% |
| Net interest margin (YTD) | 4.28% |
| Equity to assets | 7.81% |
| Tier 1 leverage ratio | 8.88% |
| Uninsured deposits (share of deposits) | 19.8% |
| Noncurrent loans (share of loans) | 1.16% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 82.4% |
| Real estate loans (share of loans) | 91.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $427.60M | 91.8% | |
| Commercial & industrial | $28.96M | 6.2% | |
| Consumer / individual | $8.45M | 1.8% | |
| Construction & development | $58.61M | 12.6% | |
| Agricultural | $5.22M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $507.67M | $458.32M | $3.08M | $23.51M |
| Jun 2023 | $477.13M | $430.12M | $4.38M | $27.79M |
| Jun 2024 | $486.22M | $427.54M | $3.54M | $33.53M |
| Jun 2025 | $551.61M | $493.64M | $4.27M | $40.82M |
| Jun 2026 | $621.72M | $565.51M | $4.22M | $48.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $565.51M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $565.51M.
Similar-sized banks
Demotte State Bank ($622.05M) · Evergreen Federal Bank ($621.55M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement