Phelps County Bank

718 North Pine Street
Rolla, MO 65401

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18841
Date Established 1963
Assets $0.36 billion
Loans $0.22 billion
Deposits $0.33 billion
Capital $0.02 billion

Phelps County Bank is an FDIC insured institution located in Rolla, MO. It was founded in 1963 and has approximately $0.36 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Phelps County Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Phelps County Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Missouri, Phelps County Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 54.60
Multifamily
Mortgages
3.38
Credit Card Loans 0.00
Consumer Auto Loans 1.53
Small Business Loans 12.13
Construction and Development Loans 10.06
Commercial Real Estate 21.01
Commercial and Industrial Loans 4.88
Farm Loans 0.10

Deposit Rates - April 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $9,999 Learn MoreShow Less
Money Market
0.20% $10,000 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $1,000 - Learn MoreShow Less
6 Mo CD
0.35% $1,000 - Learn MoreShow Less
12 Mo CD
0.75% $1,000 - Learn MoreShow Less
18 Mo CD
0.85% $1,000 - Learn MoreShow Less
24 Mo CD
1.00% $1,000 - Learn MoreShow Less
30 Mo CD
1.31% $1,000 - Learn MoreShow Less
36 Mo CD
1.06% $1,000 - Learn MoreShow Less
48 Mo CD
1.16% $1,000 - Learn MoreShow Less
60 Mo CD
1.36% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.75% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less
Checking Rates APY MIN FEE
Ultimate Checking 1.11% $0 $0.00 Learn MoreShow Less

Loan Rates - April 22, 2019

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Phelps County Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Phelps County Bank Locations


Financial Details

Phelps County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Phelps County Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Phelps County Bank U.S. Bank Average
3.73% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Phelps County Bank had $990,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $24,010,000 in equity and $2,562,000 in loans loss reserves. That gives it a Texas Ratio of 3.73%.

Return on Equity
Phelps County Bank U.S. Bank Average
22.77% 8.80%

Phelps County Bank has a Return on Equity of 22.77% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Phelps County Bank U.S. Bank Average
6.63% 12.29%

Phelps County Bank has a Capitalization of 6.63% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Phelps County Bank Balance Sheet Analysis

As of December 31, 2018, Phelps County Bank had assets of $361,892,000, loans of $221,109,000, and deposits of $329,482,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.11 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.22 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.34 billion
LIABILITIES
Total deposits $0.33 billion
      Interest-bearing deposits $0.28 billion
      Deposits held in domestic offices $0.33 billion
      % insured (estimated) 79.34%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.34 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Phelps County Bank

Branches and Savings

Is Phelps County Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18841.

Why does Phelps County Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Phelps County Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Phelps County Bank a commercial bank?

Yes

Where are Phelps County Bank locations?

See branch locations nearby.

Is Phelps County Bank open on Saturdays?

Is Phelps County Bank open on Sundays?

What time does Phelps County Bank open?

What time does Phelps County Bank close?

Are Phelps County Bank ATMs Open 24/7?

Do Phelps County Bank ATMs accept cash deposits?

Can Phelps County Bank customers use other ATMs?

Do Phelps County Bank branches have notaries?

Will Phelps County Bank notarize my document?

What address for Phelps County Bank should I put for incoming ACH transfers?

Will the Phelps County Bank branch print checks?

Do Phelps County Bank checks expire?

Does Phelps County Bank require US citizenship to open account?

Can Phelps County Bank close my account?

Does Phelps County Bank Report to credit bureaus?

Does Phelps County Bank Use Equifax?

What is Phelps County Bank's ACH Routing Number?

What is Phelps County Bank's SWIFT code?

Products

Does Phelps County Bank offer mortgages?

Compare mortgage rates here.

Does Phelps County Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Phelps County Bank offer personal loans?

Compare personal loan rates here.

Does Phelps County Bank offer student loans?

Will Phelps County Bank cash a check?

Will Phelps County Bank redeem a savings bond?

Does Phelps County Bank cash savings bonds?

Will Phelps County Bank cash money orders?

Can Phelps County Bank issue a money order?

Does Phelps County Bank do currency exchange?

Background on The Bank

Who owns Phelps County Bank?

How long has Phelps County Bank been around?

Can Phelps County Bank transfer to other banks?

Does Phelps County Bank have quick pay?

Does Phelps County Bank accept rolled coins?

Will Phelps County Bank accept loose change?

Where is Phelps County Bank headquarters?

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