Phelps County Bank
Rolla, MO · Cert 18841 · Peer group: banks under $1B in assets in MO (n=82-83) · Phelps Cnty Bk Employee STK Ownership Plan
State charter, non-member · FDIC · 6 branches
Q2 2026
$621.7MAssets
$470.2MLoans
$565.5MDeposits
$48.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 67% of banks under $1B in assets in MO (rank 27 of 83).
- Widest gap: equity / assets trails 90% of banks under $1B in assets in MO (rank 75 of 83).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.07%
Rank 56 of 83
Net Interest Margin
4.06%
Rank 27 of 83
Efficiency Ratio
70.95%
Rank 68 of 83
Equity / Assets
7.81%
Rank 75 of 83
Non-interest income vs. expense
Unfavorable gap of $16.5M · efficiency ratio beats 19% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.96% | 1.32% | 1.75% | Beats 33% | 56 / 83 | |
| Return on Equity | 13.65% | 9.66% | 12.96% | 15.76% | Beats 59% | 34 / 83 | |
| Net Interest Margin | 4.06% | 3.35% | 3.85% | 4.16% | Beats 67% | 27 / 83 | |
| Efficiency Ratio | 70.95% | 49.83% | 58.83% | 68.51% | Beats 19% | 68 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.16% | 0.08% | 0.51% | 1.01% | Beats 24% | 63 / 82 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 52% | 40 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 13.03% | 11.01% | 12.49% | 14.98% | Beats 57% | 36 / 83 | |
| Total Risk-Based Capital Ratio | 14.13% | 11.13% | 13.01% | 15.10% | Beats 61% | 32 / 83 | |
| Equity / Assets | 7.81% | 8.83% | 10.71% | 13.29% | Beats 10% | 75 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 83.15% | 69.28% | 83.22% | 91.21% | 49th pctl | 42 / 82 | |
| Loans / Assets | 75.64% | 59.34% | 71.15% | 78.36% | 61st pctl | 32 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |