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Focus Bank
Charleston, MO · FDIC Certificate #1426 · Chartered 01/0
Total assets
$854.14M
Total deposits
$679.76M
Total equity
$103.51M
Net loans
$704.39M
Branches (offices)
11
Net income (YTD)
$7.28M
Rank: #1,188 of 4,213 U.S. banks by assets · #46 of 190 in Missouri. Assets changed -0.1% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 14.15% |
| Net interest margin (YTD) | 4.58% |
| Equity to assets | 12.12% |
| Tier 1 leverage ratio | 12.61% |
| Uninsured deposits (share of deposits) | 19.7% |
| Noncurrent loans (share of loans) | 0.85% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 103.6% |
| Real estate loans (share of loans) | 81.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $570.31M | 81.0% | |
| Commercial & industrial | $55.60M | 7.9% | |
| Consumer / individual | $18.85M | 2.7% | |
| Construction & development | $55.84M | 7.9% | |
| Agricultural | $63.45M | 9.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $799.75M | $649.93M | $5.69M | $88.83M |
| Jun 2023 | $803.50M | $625.40M | $5.63M | $88.06M |
| Jun 2024 | $819.58M | $619.76M | $5.55M | $92.73M |
| Jun 2025 | $855.00M | $651.73M | $5.95M | $97.97M |
| Jun 2026 | $854.14M | $679.76M | $7.28M | $103.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $340.44M | 6 |
| Arkansas | $339.32M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $679.76M.
Similar-sized banks
Psb Bank ($854.49M) · Community National Bank ($853.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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