Overview / Commentary
101 South Main Street
Charleston, MO 63834

Focus Bank is headquartered in Charleston and is the 29th largest bank in the state of Missouri. It is also the 971st largest bank in the nation. It was established in 1930 and as of March of 2018, it had grown to 169 employees at 12 locations. Focus Bank has a B+ health rating.

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Health Grade Components

FDIC Certificate #1426
Year Established1930
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD12.11%
Annual Interest Income$8.1MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$783.3MM$761.6MM
LoansQ1 2018vs Q1 2017$645.8MM$616.0MM
DepositsQ1 2018vs Q1 2017$593.9MM$579.3MM
Equity CapitalQ1 2018vs Q1 2017$79.5MM$75.7MM
Loan Loss AllowanceQ1 2018vs Q1 2017$8.1MM$8.9MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$9.7MM$5.8MM
Real Estate OwnedQ1 2018vs Q1 2017$2.2MM$2.8MM
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Focus Bank Savings Account Rates

OTHER TIERS: 0.20% $50k+

Focus Bank Checking Account Rates

1.51%*-$25kMaximum Free Checking
OTHER TIERS: 0.40% $25k+


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