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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 995th largest bank in the nation. It was established in 1930 and as of December of 2017, it had grown to 168 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 - YTD1.35%
Return on Equity - YTD13.11%
Annual Interest Income$31.7MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$763.5MM$734.9MM
LoansQ4 2017vs Q4 2016$644.9MM$603.4MM
DepositsQ4 2017vs Q4 2016$573.1MM$581.6MM
Equity CapitalQ4 2017vs Q4 2016$80.0MM$76.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$8.2MM$8.4MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$8.6MM$5.5MM
Real Estate OwnedQ4 2017vs Q4 2016$2.3MM$5.4MM
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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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