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Phelps County Bank

Finance / Banks

220 N Jefferson Street,
Saint James, MO 65559

(573) 265-3222

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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. We take your relationship with us to heart. We know that our ownership culture is only important to you because we transfer the stock ownership we have to job ownership. That means we know that when you work with us, we have to deliver the best in service, information and product offerings. We have been recognized over the years for our commitment to providing the best we can in all areas. We were selected by INC Magazine and MCI Corporation as the top service company in the United States in 1993. We were also recognized by The Wall Street Journal and Winning Workplaces as one of the Top Small Workplaces in the United States in 2007. Our mission is very simple! We strive to give you the best always! We want you to see the difference in working with a committed group of owners! We want you to know, if it doesn’t meet your expectations, then we expect to fix it!