Focus Bank


101 South Main Street
Charleston, MO 63834
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Notable Rates APY Vs.Others
Savings N.A. 2.55% →
1-Year CD N.A. 2.80% →
2-Year CD N.A. 3.20% →
5-Year CD N.A. 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Focus Bank is an FDIC insured institution located in Charleston, MO. It was founded in 1930 and has approximately $0.85 billion in assets. Customers can open an account at one of its 12 branches.

FDIC Insured Yes
FDIC Certificate # 1426
Date Established 1930
Assets $ 848.55 million
Loans $ 633.11 million
Deposits $ 674.39 million
Capital $ 92.40 million

For a more detailed analysis of Focus Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 13, 2022

Your Current Location: Connecticut, CT 06828

Checking Rates APY MIN FEE
MAXimum Free Checking 1.51% $0 $0.00 Learn MoreShow Less

Loan Rates - August 13, 2022

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Focus Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2022

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5.043% 4.990%
0.63 points
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4.851% 4.750%
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NMLS ID: 1429243
4.697% 4.625%
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$1,286 Learn More
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5.301% 5.125%
1.00 points
$5,000 fees
$1,362 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

Note to Focus Bank
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Financial Details

Focus Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Focus Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Focus Bank U.S. Bank Average
1.91% 4.01%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2022, Focus Bank had $932,000 in non-current loans and $979,000 in owned real estate. To cover these potential losses it had $92,396,000 in equity and $7,472,000 in loans loss reserves. That gives it a Texas Ratio of 1.91%.

Return on Equity
Focus Bank U.S. Bank Average
11.44% 9.01%

Focus Bank has a Return on Equity of 11.44% versus the BestCashCow average of 9.01%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Focus Bank U.S. Bank Average
10.89% 10.66%

Focus Bank has a Capitalization of 10.89% versus the BestCashCow average of 10.66. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Focus Bank Balance Sheet Analysis

As of March 31, 2022, Focus Bank had assets of $848,552,000, loans of $633,114,000, and deposits of $674,394,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2022
Cash & Balances due from depository institutions $ 114.19 million
Interest-bearing balances $ 95.84 million
Total securities $ 60.34 million
Federal funds sold and reverse repurchase $ 0.00 million
Net loans and leases $ 633.11 million
Loan loss allowance $ 7.47 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.98 million
Goodwill and other intangibles $ 0.28 million
All other assets $ 24.17 million
     Total Assets $ 756.16 million
Total deposits $ 674.39 million
      Interest-bearing deposits $ 496.37 million
      Deposits held in domestic offices $ 674.39 million
      % insured (estimated) 77.55%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 75.51 million
Subordinated debt N.A.
All other liabilities $ 6.26 million
      Total Liabilities $ 756.16 million
      Shareholders’ Equity $ 92.40 million

Summary Income Statement

March 31, 2022
Total Interest Income $ 7.65 million
Total Interest Expense $ 0.87 million
Net interest income $ 6.78 million
Provision for loan and lease losses $ 0.05 million
Total non interest income $ 1.40 million
Total non interest expense $ 5.45 million
Pre-tax Net Operating Income $ 2.68 million

Bank Loan Profile?

The top three loan types in Focus Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, Focus Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 32.67
Credit Card Loans 0.00
Consumer Auto Loans 1.00
Small Business Loans 0.00
Construction and Development Loans 7.56
Commercial Real Estate 21.02
Commercial and Industrial Loans 8.82
Farm Loans 7.99

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