Institution Statistics
| Focus Business Bank | | FDIC Certificate # | 58474 | | BankRate Report | View | | Year Established | 2007 | | Employees | 24 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $162.54 million | | Loans | $98.69 million | | Deposits | $138.89 million | | Equity Capital | $23.00 million | | Loan Loss Allowance | $2.54 million |
Historic Data - March 2011 | | Assets | $135.82 million | | Equity Capital | $21.64 million | | Loan Loss Allowance | $2.54 million | | Unbacked Noncurrent Loans | $84,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.64% | | Return on Assets | 0.59% | | Return on Equity | 4.26% | | Interest Income | $1.53 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | 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 Business Bank had $0 in non-current loans and owned real-estate with $25.54 million in equity and loan loss allowances on hand to cover it. This gives Focus Business Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Focus Business Bank has increased its total deposits by $27.7 million, resulting in 24.91% 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 Business Bank has shown is excellent. | | Capitalization | | | 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 Business Bank has $162.54 million in assets with $25.54 million in equity, resulting in a capitalization level of 15.71%, which is excellent. |
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