Focus Bank
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Data as of · sourced from FFIEC call reports. How we update
Focus Bank is an FDIC-insured commercial bank headquartered in Charleston, MO, established in 1930 (FDIC certificate 1426), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $854.1M, down 0.1% from Q2 2025, the 46th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.61% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1426
- Headquarters
- Charleston, MO
- Established
- 1930
- Total assets, Q2 2026
- $854.1M
- Assets vs Q2 2025
- -0.1%
- Tier 1 leverage ratio, Q2 2026
- 12.61%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 081517732
- Latest call report
- Q2 2026, FFIEC 051 · Focus Bank call report
- Holding company
- SECURITY STATE BANCSHARES, INC.
- Asset rank in state
- 46th of 191 in Missouri
Problem loans are rising at Focus Bank. It reported $854 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.85% of loans from 0.24% a year earlier. It keeps 4.59 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $1.84 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Earnings jumped: net income for the quarter was $4.0 million, 39% above the same quarter a year earlier. Over the same year, loans grew 0.2% and deposits grew 4.3%.
As of June 30, 2026, Focus Bank reported a return on assets of 1.84%, a nonperforming-loan ratio of 0.85% and a Texas ratio of 5.39%. The figures come from its call report filed with the FFIEC.
Focus Bank ranks as the 46th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.6% to $854.1M, loans rose 0.8% and deposits fell 2.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.0% of total loans, followed by farmland and other real estate loans at 15.6%. Its 11 offices in the FDIC Summary of Deposits are in 7 cities across 2 states; its Paragould 2 offices book 26% of its branch deposits. On its Q2 2026 call report, Focus Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 South Main Street, Charleston, MO 63834
- County
- Mississippi
- Metro Area
- Sikeston, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1930
- Former names
- First Security State Bank (2005-2006)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 163
- Domestic deposits
- $679.8M
- Allowance for credit losses
- $8.6M
- Net charge-offs (YTD)
- $193K
- Average total assets
- $860.4M
- Average total loans
- $713.5M
- Average interest-bearing deposits
- $551.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1426
- Fed RSSD
- 498148
- SEC CIK
- 825350 → filed by SECURITY STATE BANCSHARES, INC.
- Website
- www.focusbank.com →
- Parent Holding Company
- SECURITY STATE BANCSHARES, INC. (RSSD 1248573)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Focus Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Focus Bank's total assets ran between $817.7M (Q4 2023) and $885.8M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$854.1M total assets against $855.0M; $750.6M total liabilities against $757.0M.
$704.4M net loans and leases against $704.0M; $679.8M total deposits against $651.7M.
$64.8M securities against $69.0M; $34.6M cash and balances due against $30.1M.
$13.2M total interest income against $12.8M; $3.8M total interest expense against $4.0M.
$9.4M net interest income against $8.8M.
$1.7M total noninterest income against $1.2M; $7.0M total noninterest expense against $6.7M.
$72K provision for credit losses against $428K.
$4.0M net income against $2.9M.
1.84% return on assets against 1.36%; 4.59% net interest margin against 4.40%.
12.61% tier 1 leverage ratio against 12.24%.
Inside the full Focus Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Focus Bank rankings
Its closest position to the top of a national ranking is 678 of 3,611, for ROA; its furthest is 2,193 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.36% (Q2 2025) to 1.84% (Q2 2026) and its net interest margin ran from 4.17% (Q3 2024) to 4.59% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.61% | 1.84% | 0.85% | 5.39% | 4.59% |
| Q1 2026 | 12.01% | 1.50% | 0.46% | 3.54% | 4.31% |
| Q4 2025 | 12.34% | 1.71% | 0.26% | 2.29% | 4.44% |
| Q3 2025 | 12.26% | 1.76% | 0.25% | 2.29% | 4.45% |
| Q2 2025 | 12.24% | 1.36% | 0.24% | 2.29% | 4.40% |
| Q1 2025 | 12.19% | 1.49% | 0.21% | 2.19% | 4.30% |
| Q4 2024 | 12.09% | 1.51% | 0.21% | 2.37% | 4.18% |
| Q3 2024 | 12.04% | 1.42% | 0.12% | 1.73% | 4.17% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Focus Bank (main office) | Charleston , MO | 63834 | $138.0M |
| Sikeston Facility | Sikeston , MO | 63801 | $112.4M |
| Paragould Kingshighway Facility | Paragould , AR | 72450 | $104.1M |
| Jonesboro Branch | Jonesboro , AR | 72401 | $83.7M |
| Paragould Highway 49 South Facility | Paragould , AR | 72450 | $71.7M |
| Jonesboro Southwest Drive Facility | Jonesboro , AR | 72401 | $64.6M |
| Caruthersville Facility | Caruthersville , MO | 63830 | $57.0M |
| East Prairie Facility | East Prairie , MO | 63845 | $31.7M |
| Marmaduke Facility | Marmaduke , AR | 72443 | $15.3M |
| Online Banking Branch | Charleston , MO | 63834 | $1.4M |
| Caruthersville Drive-In Facility | Caruthersville , MO | 63830 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 6, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 6, 2005 | Structure Change | Acquired Bank of Paragould Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 9, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 9, 2005 | Structure Change | Acquired First Security State Bank of Southeast Missouri Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 106 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 323 applications, 258 loans originated, $60.3M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Focus Bank
What are Focus Bank's total assets?
As of the Q2 2026 filing, Focus Bank reported total assets of $854.1 million in its FFIEC call report.
Where is Focus Bank headquartered?
It is headquartered in Charleston, MO, United States.
When was Focus Bank founded?
It was established in 1930, per the FDIC institution directory.
Is Focus Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1426). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Focus Bank?
Focus Bank's primary federal regulator is the FDIC.
How many branches does Focus Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Focus Bank's Texas Ratio?
Its Texas Ratio is 5.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Focus Bank previously called?
The charter now named Focus Bank has also operated as First Security State Bank (2005-2006), per FDIC structure-change records.
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