Focus Bank

Overview / Commentary
101 South Main Street
Charleston, MO 63834

Focus Bank is headquartered in Charleston and is the 34th largest bank in the state of Missouri. It is also the 1,034th largest bank in the nation. It was established in 1930 and as of December of 2018, it had grown to 169 employees at 12 locations. Focus Bank has an A health rating.

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Health Grade Components

FDIC Certificate #1426
Year Established1930
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.32%
Return on Equity - YTD12.7%
Annual Interest Income$33.6MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$738.4MM$763.5MM
LoansQ4 2018vs Q4 2017$619.0MM$644.9MM
DepositsQ4 2018vs Q4 2017$560.3MM$573.1MM
Equity CapitalQ4 2018vs Q4 2017$81.1MM$80.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$7.8MM$8.2MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$3.3MM$8.6MM
Real Estate OwnedQ4 2018vs Q4 2017$1.3MM$2.3MM
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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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