FOCUS BANK

CHARLESTON, MO | Medium | Est. Jan. 1, 1930, midnight | FDIC #1426 | RSSD #498148 | FDIC
Latest Report: 2025-12-31

FOCUS BANK is amn medium FDIC-insured commercial bank headquartered in CHARLESTON, MO, established in Jan. 1, 1930, midnight. As of 2025-12-31, the bank reported total assets of $881M and total deposits of $670M. Profitability stands at 1.71% ROA and 14.63% ROE, with a net interest margin of 4.59%. The bank's CET1 capital ratio is 11.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 2.29%. FDIC Certificate #1426.

Assets

$881M

Deposits

$670M

Loans

$736M

Equity

$103M

Profitability

Return on Assets (ROA) 1.71%
Return on Equity (ROE) 14.63%
Net Interest Margin (NIM) 4.59%
Yield on Assets 6.78%
Cost of Funds 2.31%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.05%
Texas Ratio 2.29%
NPA Ratio 0.29%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 11.68%
Tier 1 Capital 11.68%
Total Capital Ratio 12.27%
Leverage Ratio 12.34%
Loan-to-Deposit 109.93%

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