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Overview / Commentary
10 Almaden Boulevard, Suite 150
San Jose, CA 95113

Focus Business Bank is headquartered in San Jose and is the 116st largest bank in the state of California. It is also the 1,961st largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 34 employees at 1 location. Focus Business Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Focus Business Bank had $191,000 in non-current loans and owned real-estate with $29.64 million in equity and loan loss allowances on hand to cover it. This gives Focus Business Bank a Texas Ratio of 0.64% 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 $101.58 million, resulting in 49.24% 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.



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 $335.99 million in assets with $29.64 million in equity, resulting in a capitalization level of 8.82%, which is average.

Institution Statistics

FDIC Certificate #58474
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$335.99 million
Loans$147.38 million
Deposits$307.88 million
Equity Capital$27.11 million
Loan Loss Allowance$2.52 million
Unbacked Noncurrent Loans$191,000
Real Estate Owned$0
Historic Data - March 2013
Assets$233.42 million
Equity Capital$26.35 million
Loan Loss Allowance$2.55 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.7%
Return on Assets0.31%
Return on Equity3.76%
Interest Income$2.21 million

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Focus Business Bank Locations
Focus Business Bank10 Almaden Boulevard, Suite 150San Jose, CA 95113