Focus Bank

Focus Bank Locations
101 South Main Street
Charleston, MO 63834
800-464-3150
www.focusbank.com

Focus Bank is headquartered in Charleston and is the 34th largest bank in the state of Missouri. It is also the 1,006th largest bank in the nation. It was established in 1930 and as of March of 2012, it had grown to 161 employees at 13 locations. Focus Bank's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Focus Bank Routing Number: 081517732

Related Posts

Reward Checking & Savings Accounts at Focus Bank for MO, AR, KY, TN & IL - 6/14/2011

Yesterday I reviewed the top online CD rates at Focus Bank . The bank also offers a reward checking and savings account. The reward checking is called MAXimum Free Checking . I first reviewed this acc ...

Top Online CD Rates at Focus Bank for MO, AR, KY, TN & IL - 6/13/2011

Focus Bank is offering four competitive CD rates: 2.07% APY 37 months, 1.61% APY 19 months, 1.26% APY 14 months and 1.10% APY 7 months. Minimum deposit is $1,000. These are listed at the bank's CD pag ...

High-Interest Reward Checking Account at a MO/AR Bank (Focus) - 12/10/2007

Update 06/13/09: Account is now only available for Arkansas and Missouri residents.Focus Bank is offering a reward checking account called Maximum Free Checking. It pays 4.51% APY for balances up to $25,000 (1.01% over) and automatically refunds ATM fees...



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See Rates for: Checking | Savings | CD

Focus Bank Checking Account Rates

ApyMinMaxProduct
2.01%-$25kMaximum Free Checking

Focus Bank Savings Account Rates

ApyMinMaxProduct
0.75%-$50kMAXsavers

Focus Bank CD Rates

ApyMinMaxProduct
1.26%$1k-37 Month CD
0.85%$1k-19 Month CD
0.75%$1k-14 Month CD
0.60%$1k-7 Month CD

Rates updated: 5/25/2012

Data for Q1 2012


Institution Statistics


Focus Bank
FDIC Certificate #1426
BankRate ReportView
Year Established1930
Employees161
Primary RegulatorFDIC

Assets and Liabilities

Assets$660.20 million
Loans$496.52 million
Deposits$507.61 million
Equity Capital$69.14 million
Loan Loss Allowance$8.96 million
Unbacked Noncurrent Loans$5.61 million
Real Estate Owned$4.62 million

Historic Data - March 2011

Assets$608.72 million
Equity Capital$57.26 million
Loan Loss Allowance$8.48 million
Unbacked Noncurrent Loans$10.24 million
Real Estate Owned$2.69 million

Profit Margin - Quarterly

Net Interest Margin3.6%
Return on Assets0.75%
Return on Equity7.15%
Interest Income$7.55 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Focus Bank had $10.23 million in non-current loans and owned real-estate with $78.1 million in equity and loan loss allowances on hand to cover it. This gives Focus Bank a Texas Ratio of 13.10% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Focus Bank decreased slightly from 20.40% as of March 31, 2011 to 13.10% as of March 31, 2012, resulting in a positive change of 35.78%.This indicates that the balance sheet and financial strength for Focus Bank has improved slightly in recent periods.
Deposit Growth5
In the past year, Focus Bank has increased its total deposits by $31.31 million, resulting in 6.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Focus Bank has shown is excellent.
Capitalization4
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Focus Bank has $660.2 million in assets with $78.1 million in equity, resulting in a capitalization level of 11.83%, which is above average.
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