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Phil Larabee has a diverse work experience in the banking industry. Phil started their career as an Associate National Bank Examiner at the U.S. Treasury/Office of the Comptroller of the Currency in 1988 and worked there until 1990. Phil then joined First Iowa Bank in 1991 and held the positions of Vice President and Cashier for 12 years. In 2003, they moved to Tri-County Bank and Trust as an Assistant Vice President until 2006. Later in 2006, they became a Vice President and Cashier at Farmers Savings Bank and Trust. Finally, they joined Citizens State Bank in the same year and is currently serving as Vice President.

Phil Larabee attended the University of Nebraska-Lincoln from 1983 to 1987, where they obtained a Bachelor of Business Administration (B.B.A.) degree in Finance, General. Their field of study during this time was finance. Additionally, they pursued a Master of Business Administration (MBA) degree in Business Administration and Management, General at the University of Dubuque, although the start and end years for this degree are not provided.