What Phelps County Bank does

Phelps County Bank is a privately-held, FDIC-insured community bank headquartered in the historic Edwin Long Hotel in Rolla, Missouri, with roots dating to 1931. The bank operates three physical branches across Rolla and St. James — including a location inside the Havener Center on the Missouri S&T campus — and serves Phelps County and surrounding Missouri communities. It is 100% employee-owned through an Employee Stock Ownership Plan (ESOP), a distinctive ownership structure that aligns employee incentives with the bank's long-term performance.

The bank offers a full suite of consumer and business banking products: checking accounts (Ultimate Checking at 2.00% APY for qualifying balances, Business Interest Checking, My Student Checking), savings vehicles (Personal Savings, Premier Money Market, Minor Savings at 1.00% APY, Business Easy Savings), Certificates of Deposit (terms 3-60 months, peaking at 3.70% APY for 15-month), IRAs, mortgages with 100% financing options, construction and land loans, home equity loans, consumer loans, and business loans. Digital channels include the PCB Mobile App for iOS and Android with remote deposit capture, internet banking, e-statements, online account opening, Apple Pay and Google Pay wallet support, and ACH origination and merchant card processing for businesses. Investment products are offered through a partnership with Raymond James via the PCB Investment Center.

The bank's revenue model relies primarily on net interest income from deposit and lending activity, supplemented by transaction-based fees from deposit services, ACH origination, merchant card processing, and overdraft protection. Its go-to-market is direct-to-consumer and direct-to-SMB through physical branches and digital channels, with community events such as the annual Take-A-Stand Against Child Abuse campaign reinforcing brand presence. Customer segments include individual consumers (primary), small to mid-size businesses, and youth/students (the latter served through the Youth Grade Card Program).

Name

Phelps County Bank

Legal name

Phelps County Bank

Website

https://mypcb.com

Company type

Private

Founded year

1931

Operating status

Operating

Headcount range

51–100 employees

Short description

Phelps County Bank is a 100% employee-owned (ESOP) FDIC-insured community bank founded in 1931 in Rolla, Missouri, serving individual consumers, small-to-mid-size businesses, and youth/students across Phelps County through three branches and full digital banking channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Community banking
• Retail banking services
• Consumer lending
• Business banking
• Mortgage loans

Headquarters

HQ city

Rolla

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking revenue generated from interest spreads on loans and mortgages, including consumer loans, mortgages, home equity loans, construction loans, and business loans.
2. Deposit Account Fees and Services: Revenue from various deposit account services including checking accounts, savings accounts, CDs, IRAs, and business accounts with associated service fees.
3. Business Services: Fee-based income from business services including ACH origination, merchant card processing, and remote deposit services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Phelps County Bank is a 100% employee-owned community bank that provides personal and business banking services, including checking accounts, savings accounts, money market accounts, CDs, IRAs, mortgages, construction loans, consumer and business loans. It also offers digital banking (internet and mobile banking with remote deposit capture), payment processing services, safe deposit boxes, and investment products through a partnership with Raymond James.

Product overview

Phelps County Bank is a 100% employee-owned community bank offering a comprehensive suite of personal and business banking products. The core product portfolio includes various checking and savings accounts (Ultimate Checking, Business Interest Checking, Personal Savings, Minor Savings, My Student Checking), money market accounts, and Certificates of Deposit with terms ranging from 3 months to 60 months. The bank provides lending products including mortgages with 100% financing options, construction loans, home equity loans, and business loans. Digital banking services include Internet Banking, Mobile Banking with Remote Deposit Capture, and e-Statements. Business services encompass ACH Origination, Merchant Card Processing, SmartPay Express, and Remote Deposit. The bank also offers investment products through a Raymond James partnership. Special programs include the Youth Grade Card Program rewarding students for academic performance and various debit card rewards programs including Business Easy Savings with Mastercard.

Differentiator

Problem solved

Functional benefit

Brands

• PCB Investment Center: Investment products and resources offered in partnership with Raymond James
• Youth Grade Card Program
• PCB Mobile App

Products and services

• Ultimate Checking

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature2 records

Partnerships

Three partnerships are on record, tiered minor and core.

• MastercardminorGTM or Marketing Partner · 1 February 2026Phelps County Bank partnered with Mastercard for the $100,000 Swipestakes promotion running from February 1, 2026 through December 31, 2026. PCB Mastercard debit card holders receive automatic entries into the sweepstakes for purchase transactions.
• teamDigital Promotions, Inc.minorOthers · 1 February 2026Third-party administrator for the Phelps County Bank $100,000 Swipestakes promotion. Located at 211 Greenwood Ave, Bethel, CT 06801.
• Raymond JamescoreChannel Partner/ Reseller/ DistributorPhelps County Bank partners with Raymond James to provide investment products and services through the PCB Investment Center. The partnership allows PCB to offer investment services and products to its customers through Raymond James financial advisors.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Wood & Huston Bank: A community bank in west-central Missouri offering deposit, mortgage, and business banking products. Comparable to PCB on branch-led community banking, consumer/SME focus, and rural-Missouri service area.
• Hawthorn Bank: A Missouri-headquartered community bank offering personal and business deposit, lending, and treasury products across multiple in-state branches. Directly comparable to PCB on geography, customer base (consumers and SMEs), and community-bank product mix.
• Great Southern Bank: Mid-sized Missouri community bank providing checking, savings, mortgages, and business banking across a multi-branch network. Comparable to PCB on consumer/SME focus, branch-led distribution, and regional Midwest operating model.
• Lead Bank: A Missouri-based community bank offering deposit accounts, lending, and digital banking solutions to consumers and businesses. Comparable to PCB on Missouri footprint, community-bank positioning, and consumer/SME product set.
• Old Missouri National Bank: A small Missouri community bank focused on personal and business banking within a limited branch network. Closely comparable to PCB on size, regional concentration, and traditional community-bank product mix.
• Citizens National Bank of Greater Springfield: A community bank serving Springfield and southwest Missouri with consumer and business banking services. Comparable to PCB on Missouri geography, community focus, and full retail + small-business product offering.
• United Bank of Union: A small Missouri community bank serving consumers and small businesses with deposit and loan products. Comparable to PCB on scale, branch-dependent model, and community-bank positioning in Missouri.
• Bank of Missouri: A Missouri-headquartered community bank with multi-branch presence offering consumer and commercial banking. Comparable to PCB on regional Missouri footprint, community orientation, and core retail/business lending products.

Broad incumbents

• Commerce Bank: A larger regional bank headquartered in Kansas City with significant Missouri retail and commercial presence. Overlaps with PCB on deposit accounts, consumer lending, and SME services, but operates a much broader portfolio beyond community banking.

Regional players

• Raymore State Bank: A small community bank operating primarily outside Phelps County, serving similar consumer and small-business customers with traditional deposit and loan products. Comparable on size, product mix, and community-bank business model, but not geographically overlapping.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Phelps-County-Bank-145560462150441

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Phelps County Bank