• New Mobile App and Internet Banking coming soon!

  • Lower your monthly house payment

    Check today's home loan rates and see how much you could save. It's not too late to lock-in a low, fixed rate mortgage at PCB.

    Today's Mortgage Rates

  • Homepage banner

    Free Online Bill Pay

    No time to buy envelopes and drive to the post office? No problem!

    With PCB's free Online Bill Pay, we make it easy to pay your bills online. Log into your Internet Banking and select the Bill Pay tab to get started.

  • PCB's VA Loans with 100% Financing

    Qualified active duty and veterans of the U.S. Military or National Guard can purchase a home with a VA loan at PCB without a down payment.
    Restrictions apply. Visit with our lending team to learn more.

    Apply Now

  • PCB has home improvement loans for your next project.

    Home Improvements Start Here...

    Use the equity in your home to pay for projects around the house and much more! Apply for a Home Equity Loan in just 10 minutes.

    Apply Now

Home Loans for Veterans
"We immediately reached out to Wendy Young and Phelps County Bank when we decided to purchase a new home. Wendy made the VA Loan process easy and smooth for us. We appreciate the professionalism, helpfulness and expertise that Phelps County Bank offers!" 
- The Kearse Family

PCB Loan Officer Wendy Young - NMLS # 411235
Move-In Day and Beyond
"PCB has so much to offer its clients with amazing customer service and dedicated employees!"
-The Barsoum Family

PCB Loan Officer Wendy Young - NMLS # 411235
Loans for 1st Time Buyers
"Angie Proffitt made the loan application and loan process so easy! It was great knowing we had someone to walk us through anything we needed. It made buying our first home as easy as possible!"
- The Stuck Family

PCB Loan Officer Angie Proffitt - NMLS # 1384049
Loans for "Forever" Homes
"PCB helped us achieve our dream of purchasing our "forever" home. With Jon Rapp, we never felt like our loan was just business. Our dream was important to Jon, too. We will always be grateful for PCB's kindness, efficiency and hard work."
- The Hargis Family

PCB Loan Officer Jon Rapp -
NMLS # 862619