Rolla, MO · Cert 18841 · Phelps Cnty Bk Employee STK Ownership Plan
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 0.1% share · #40 of 41 inst. · $0.0B of $17.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.29% | 1.20% | 1.32% | 1.24% | 1.10% | 1.10% | 1.05% | -27 bps | |
| Return on Equity | 16.02% | 16.94% | 15.70% | 17.43% | 16.11% | 14.03% | 13.89% | 13.23% | -420 bps | |
| Net Interest Margin | 4.04% | 4.15% | 4.14% | 4.21% | 4.27% | 4.15% | 4.12% | 4.10% | -11 bps | |
| Efficiency Ratio | 70.94% | 65.06% | 68.92% | 66.72% | 65.02% | 70.62% | 70.47% | 71.43% | +471 bps | |
| Non-Interest Burden | 2.55% | 2.35% | 2.58% | 2.51% | 2.43% | 2.67% | 2.64% | 2.69% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.18% | 5.94% | 10.05% | 13.45% | 12.13% | 20.40% | 15.25% | 12.71% | -74 bps | |
| Loan Growth (YoY) | 15.70% | 14.84% | 12.70% | 13.76% | 12.46% | 11.74% | 9.18% | 10.87% | -289 bps | |
| Deposit Growth (YoY) | 4.01% | 7.92% | 11.04% | 15.46% | 15.78% | 21.48% | 21.84% | 14.56% | -90 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.12% | 0.11% | 0.13% | 0.08% | 0.09% | 0.08% | 1.16% | +103 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.02% | 0.01% | 0.00% | 0.02% | -0.01% | -2 bps | |
| Allowance / Loans | 0.96% | 0.98% | 0.97% | 0.95% | 0.94% | 0.94% | 0.97% | 0.95% | 0 bps | |
| Allowance Coverage of NPLs | 4.3x | 8.2x | 8.7x | 7.5x | 12.4x | 10.4x | 12.0x | 0.8x | -6.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.44% | 9.67% | 9.69% | 9.05% | 9.29% | 9.23% | 9.25% | 8.88% | -16 bps | |
| Total Risk-Based Capital | 14.95% | 15.01% | 15.17% | 14.29% | 14.57% | 14.44% | 15.17% | 14.13% | -16 bps | |
| Equity / Assets | 7.73% | 7.48% | 7.75% | 7.40% | 8.02% | 7.70% | 8.07% | 7.81% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.05% | 87.01% | 89.62% | 85.92% | 86.50% | 80.03% | 80.31% | 83.15% | -277 bps | |
| Liquid Assets / Assets | 2.48% | 2.97% | 4.51% | 5.39% | 8.23% | 14.88% | 14.84% | 12.75% | +736 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 269% | 285% | 284% | n/a | n/a | |