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 Phelps County Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 12, 2026
Phelps County Bank's top rates as of October 12, 2026 are 3.96% APY on its 36-Month IRA CD, 1.00% APY on savings, 0.65% APY on money market accounts, and 2.02% APY on checking, according to rates verified by MonitorBankRates. Other Phelps County Bank CD rates include 48-Month IRA CD at 3.96%, 60-Month IRA CD at 3.96%, and 24-Month IRA CD at 3.91%. MonitorBankRates evaluates the financial stability of Phelps County Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.23%. Rates last updated and verified on 10/12/2026. Phelps County Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Phelps County Bank? Share your experience about Phelps County Bank by leaving a review below, or read customer reviews before you decide to use Phelps County Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Phelps County Bank CD Rates
Phelps County Bank Savings Rates
Phelps County Bank Business Savings Rates
Phelps County Bank Money Market Rates
Phelps County Bank Checking Rates
Phelps County Bank Other Rates
Financial Health HistoryPhelps County Bank’s Texas Ratio rose from 2.83% in Q3 2023 to 11.23% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 3.8 to 5.0 and its Health Grade from B to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Phelps County Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Phelps County Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Phelps County Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Phelps County Bank
Bank Holding Company
PHELPS CNTY BK EMPLOYEE STK OWNERSHIP PLAN
Address
718 N Pine St,
Rolla, MO 65401 · Phelps
Website
https://www.mypcb.com
FDIC Certificate #
18841
Established
19630801
FDIC Insurance Date
19630801
Domestic Offices
6
Total Branches
6
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 94/100
5.0
Exceptional
Out of 5.0 Stars
11.23%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.3650%
Return on Equity (ROE)
17.3700%
Non-Performing Loans (NPL)
0.88%
Total Assets
$621,719,000
Total Deposits
$565,513,000
Equity Capital
$48,551,000
Net Income
$4,222,000
Headquarters
Rolla
Total Branches and Offices
6
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Phelps County BankHow many branches does Phelps County Bank operate?Phelps County Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Phelps County Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Phelps County Bank provides members with tools to manage their accounts and build a solid financial history. Does Phelps County Bank offer online and mobile banking?Most modern institutions like Phelps County Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mypcb.com. Current Phelps County Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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