Phelps County Bank is a bank based in Rolla, Missouri, established in 1963, with $617 million in total assets across 6 branches. By Trust Grade it ranks 156th of 195 banks we track in Missouri. Its capital ratio of 8.1% trails most similarly sized banks (16th percentile), versus a Missouri median of 10.3%. It was profitable over the most recent period, with a 1.39% return on assets. No consumer complaints against Phelps County Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Phelps County Bank compares to Missouri peers
How we graded Phelps County Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.1% capital ratio)
- Strongly profitable (ROA 1.39%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Phelps County Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 718 N Pine St, Rolla, MO 65401
- 1201 E State Highway 72, Rolla, MO 65401
- 1346 N Bishop Ave, Rolla, MO 65401
- 334 E. Walnut Street, Springfield, MO 65806
- 1770 W. Sunset Street, Springfield, MO 65804
- 220 N Jefferson St, Saint James, MO 65559
Are deposits at Phelps County Bank insured?
Yes. Phelps County Bank is an FDIC-insured bank (FDIC certificate #18841). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Phelps County Bank: frequently asked questions
Is Phelps County Bank a good bank?
Phelps County Bank earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (8.1% capital ratio); Strongly profitable (ROA 1.39%).
Is Phelps County Bank FDIC-insured?
Yes. Phelps County Bank is a FDIC-insured bank (FDIC certificate #18841). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Phelps County Bank?
Phelps County Bank holds $617 million in total assets, ranking 156th of 195 banks we track in Missouri. It operates 6 branches.
Does Phelps County Bank have CFPB complaints?
No CFPB complaints against Phelps County Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
