Phelps County Bank

We strive to give you the best always! We want you to see the difference in working with a committed group of owners!

When you are trying to make a decision to use the services of any business, you would like to believe that you could work directly with the owners. When you select PCB you will always be working directly with an owner because PCB is 100% owned by the employees through an Employee Stock Ownership Plan (ESOP). An ESOP is a qualified retirement plan where each employee participates in the ownership of stock in the company.

We began our ESOP in 1980 and became 100% owned by the employees in 1993. This sets us apart from the other 99.5% of banks in the United States. As of 2011, there are approximately 7,500 chartered banking institutions in the country, but only 4 are 100% owned by employees through a broad-based ownership plan. This means that every time you call, e-mail or have direct contact with us, you are working with an owner of the bank. You will see a marked difference in our customer service, which is always very attentive to your needs. When you work with a teller, a new account representative, a loan officer or any other part of our organization you will experience the difference.