# PHELPS COUNTY BANK
ROLLA, MO · FDIC certificate 18841 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $621.7M | |
| Deposits | $565.5M | |
| Loans and leases | $470.2M | |
| Total equity | $48.6M | |
| Loans / deposits | 82.36% (p51 of band) | 82.04% |
| Liquid assets / assets | 21.40% (p37 of band) | |
| Uninsured deposits / deposits | 19.76% (p28 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.71% (p31 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.88% (p11 of band) | 10.81% |
| Unrealized securities loss / equity | -15.76% (p29 of band) | -8.10% |
| AOCI / equity | -0.43% (p45 of band) | |
| ROA (annualized) | 1.36% (p55 of band) | 1.28% |
| Net interest margin | 4.28% (p71 of band) | 3.91% |
| Efficiency ratio | 70.95% (p75 of band) | |
| Noncurrent loans | 1.16% (p77 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p49 of band) | |
| Reserve coverage of noncurrent | 81.90% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 120.72% (p93 of band) | |
| Auto loans | $5.3M (1.13% of loans; DQ 0.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 14.6% | |
| Employees | 142 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | capital falling | AOCI drag >20% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | deposits shrinking, assets shrinking |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 0 |  | deposits shrinking, assets shrinking |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | leverage <7% |  |
| 2021-03 | 0 |  | leverage <7% |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | leverage <7%, capital falling |  |
| 2022-03 | 0 |  | leverage <7%, capital falling |
| 2022-06 | 3 | leverage <7%, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | leverage <7% |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 | construction >100% equity | assets shrinking, uninsured deposits leaving |
| 2023-12 | 2 |  | construction >100% equity |
| 2024-03 | 3 | construction >100% equity |  |
| 2024-06 | 2 |  | deposits shrinking |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | construction >100% equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | construction >100% equity |  |
| 2026-06 | 2 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-14 [From The Ground Up: Phelps County Bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTE45WWNNYWQtTk5KM0pjZEQ2QVd4UmtUb0piUW9oUnp0cUw5djhMbWFBc2oxSlJGRHZfZ2lvbWEyOUkwdkZ4aExsMVFkVnY1bXVRU3ozeVphbkVDckpuRHUxMmt2R1R5aXpYOWduM1RMNkZrQ2VON3Nr?oc=5) · Springfield Business Journal
- 2026-03-13 [Phelps County Bank renovation - Springfield Business Journal](https://news.google.com/rss/articles/CBMibEFVX3lxTE1iMWEwYzNLXzlpVU5UWkpnSW5SZTBFNTdsczVzd3E4NkNiMFhBNzNyN0lwV3o0YU5JU0lSdXFVZFJQNWNaU3BIMG1XM2JWV0hoRjMxV2J3ZFNXd2NJTUVqZVdLTUwxdUtGQi00aA?oc=5) · Springfield Business Journal
- 2021-04-27 [HISTORIC SITES OF PHELPS COUNTY - Phelps County Bank (former National Bank of Rolla/ Hotel Edwin Long) - phelpscountyfocus](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQVm51X3N5dmRlMEpQVHZWa09SOEwzX3E0eEJmdFFFNkJCTFdrRW5mMFJuZkwxNEdWcnZ5aDVja1BYUEFyWE8zVHB2Y01yNHRneWliM3hyaTR0QXBhZlhJb3dJZk1OLXIycXN2aU9XWHRFWXo0MkhTN1F3Ty05VlI1T05ySVdhbXJsYXdkcnBQQldQYkMwR1VRWUowRWhHemdfc29MNEtEMHlmSlBzWGpvLURfLXNuWlJma3lGMzNRZFItUHBEajNnYjZKaThac0VmaU9LRS1B?oc=5) · phelpscountyfocus
- 2023-05-05 [Phelps County Bank unveils plans for new ownership of Springfield’s historic Ward Downtown YMCA building - KY3](https://news.google.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?oc=5) · KY3
- 2023-05-02 [Phelps County Bank finalizes purchase of downtown YMCA, will allow facility use this summer - Springfield News-Leader](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQNkNDZXluVFU1ckxFanlvX3FnVFBmQlB1aTVwM3UzaFp4WTNhRXJmZjQxTGlXMWIteU10NXJBemQ3RHk0YWt1ZnFqVTZXZGhwVkoxUVBZTFE3MzB1S2lWaXJrN1F5Z0JNOTNUZnhZRURoaGNQVFJpbTJxLTUzZGRFSlJEOTZnQml2ckNEeVVSN3UzTFY5R3RJQjc1Q2E2b1E4d1JhN2pVRlpnVi12ZFNncVo0TXJYMGtIQWVieDcwZndJS0NONV84Z3JsRzAwQzgyeXBHY1BreUxaREtPOVE?oc=5) · Springfield News-Leader
- 2024-02-26 [Rolla man charged after threatening to shoot Phelps County Bank employees - KRCG](https://news.google.com/rss/articles/CBMimAJBVV95cUxQcXZjMmN5bXRUX01TMVVzNDhpMktRU1pNV2pWUmh5OXdiNWpXZTR3XzB2cVNwS1AxanA2WEx0bjd2RWo4aVRaZ1EwV3lGTGRrNnhEdlNyZlR3aXBLNmR1bURGRFYxNjJGOGE1UmR2SFZNdEtGeF9VUkRGRDc0dldLUmgySHhNbnpZYU5CbHNXcVU4TnN4ZzNYV2ZuLXlZbm9kYUtzNzRVZ1pfNXhERExMWXdOSTAtT2lGRE50cDdVUjI2VXVrVS1ZVnR3WmQ5aUQxYkswXzcxbXJkZ2F4M0pEeDZjT01nbXpTNkNzUU5wdEI5T3J6SHp0YUpQNy1CZEdlamZWTTd2VHhTU3F5b1MzYVZFMXUyQmY1?oc=5) · KRCG
- 2016-02-17 [Connell elected Phelps County Bank board chairman - Gaston Gazette](https://news.google.com/rss/articles/CBMipgFBVV95cUxQbnhQMzlTUlZWQXA5ZTZKZW1jSHQzNW5aRTVBZ05ERXFxSm1sTEJ5QU1vQlFZWkpYT01VYUxKVHVTeEZzYXR0ZVk4VVJrVTduM0tMU1c0WlAzMkprN2hTaFE3bThpaFpyNWdrVURfZ1ktTW51YVYxbXllRW9TQmlnbmZmbS13OEIzX3VESXd4bWp5Ym9RVkU2b09IMFdJQVZFUlhMWnFB?oc=5) · Gaston Gazette
- 2024-04-01 [Promotions and staff changes at PCB in St. James - phelpscountyfocus](https://news.google.com/rss/articles/CBMikwFBVV95cUxPekoxcXl0aFE1Z3U0bVF3YU9rRjk1bjFCZzd6bnlJVklob0hoLTRpdWRpQWQ2TDJ3YkRVRjZ6dVh5N1QyMzJ1MEdWanh4eDcxU1lrYlJmX1k4cXpLd2VnQUlLMHpVOGNDeEVIOVBGeDRYTVVyZms0UFZjZmZsRUhZcXdIU1ppWS1VZ2dudXJzTUdyV0U?oc=5) · phelpscountyfocus

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18841 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "18841", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide