Focus Business Bank


10 Almaden Boulevard, Suite 150
San Jose, CA 95113
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Focus Business Bank is an FDIC insured institution located in San Jose, CA. It was founded in 2007 and has approximately $0.41 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58474
Date Established 2007
Assets $ 397.11 million
Loans $ 177.98 million
Deposits $ 367.16 million
Capital $ 29.09 million

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

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Focus Business 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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
NMLS ID: 2890
License#: 13256
2.569% 2.500% 0.88 $2,258 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Note to Focus Business Bank
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Financial Details

Focus Business Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Focus Business 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 Business Bank U.S. Bank Average
0% 6.94%

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, 2020, Focus Business Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $29,092,000 in equity and $2,730,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Focus Business Bank U.S. Bank Average
5.6% 7.80%

Focus Business Bank has a Return on Equity of 5.6% versus the BestCashCow average of 7.80%. 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 Business Bank U.S. Bank Average
7.33% 12.68%

Focus Business Bank has a Capitalization of 7.33% versus the BestCashCow average of 12.68. 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 Business Bank Balance Sheet Analysis

As of March 31, 2015, Focus Business Bank had assets of $407,630,000, loans of $177,977,000, and deposits of $367,160,000. 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, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 177.98 million
Loan loss allowance $ 2.73 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 367.16 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 397.11 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Focus Business Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in California, Focus Business Bank has a significantly higher percent of Small Business Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 2.50
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 15.35
Construction and Development Loans 0.98
Commercial Real Estate 60.18
Commercial and Industrial Loans 29.77
Farm Loans 0.00

Frequently Asked Questions About Focus Business Bank

Branches and Savings

Is Focus Business Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58474.

Why does Focus Business Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Focus Business Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Focus Business Bank a commercial bank?


Where are Focus Business Bank locations?

See branch locations nearby.

Is Focus Business Bank open on Saturdays?

Is Focus Business Bank open on Sundays?

What time does Focus Business Bank open?

What time does Focus Business Bank close?

Are Focus Business Bank ATMs Open 24/7?

Do Focus Business Bank ATMs accept cash deposits?

Can Focus Business Bank customers use other ATMs?

Do Focus Business Bank branches have notaries?

Will Focus Business Bank notarize my document?

What address for Focus Business Bank should I put for incoming ACH transfers?

Will the Focus Business Bank branch print checks?

Do Focus Business Bank checks expire?

Does Focus Business Bank require US citizenship to open account?

Can Focus Business Bank close my account?

Does Focus Business Bank Report to credit bureaus?

Does Focus Business Bank Use Equifax?

What is Focus Business Bank's ACH Routing Number?

What is Focus Business Bank's SWIFT code?


Does Focus Business Bank offer mortgages?

Compare mortgage rates here.

Does Focus Business Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Focus Business Bank offer personal loans?

Compare personal loan rates here.

Does Focus Business Bank offer student loans?

Will Focus Business Bank cash a check?

Will Focus Business Bank redeem a savings bond?

Does Focus Business Bank cash savings bonds?

Will Focus Business Bank cash money orders?

Can Focus Business Bank issue a money order?

Does Focus Business Bank do currency exchange?

Background on The Bank

Who owns Focus Business Bank?

How long has Focus Business Bank been around?

Can Focus Business Bank transfer to other banks?

Does Focus Business Bank have quick pay?

Does Focus Business Bank accept rolled coins?

Will Focus Business Bank accept loose change?

Where is Focus Business Bank headquarters?

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