Overview / Commentary
101 South Main Street
Charleston, MO 63834

Focus Bank is headquartered in Charleston and is the 32nd largest bank in the state of Missouri. It is also the 1,013th largest bank in the nation. It was established in 1930 and as of September of 2018, it had grown to 171 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 - YTD1.4%
Return on Equity - YTD13.61%
Annual Interest Income$25.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$746.1MM$754.5MM
LoansQ3 2018vs Q3 2017$630.6MM$650.9MM
DepositsQ3 2018vs Q3 2017$564.7MM$558.8MM
Equity CapitalQ3 2018vs Q3 2017$78.7MM$77.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$7.8MM$8.4MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$3.1MM$13.0MM
Real Estate OwnedQ3 2018vs Q3 2017$2.4MM$2.2MM
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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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