Focus Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Focus Bank of Charleston, MO against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.25% | +0.59% | 80th top |
| ROAE | 15.45% | 12.22% | +3.23% | 68th above |
| Net Interest Margin | 4.59% | 3.95% | +0.64% | 82nd top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 63.43% | 63.71% | -0.28% | 43rd below |
| PPNR / Avg Assets | 1.88% | — | — | 66th above |
| Yield on Earning Assets | 6.47% | 5.67% | +0.80% | 86th top |
| Cost of Funds | 2.10% | 1.87% | +0.23% | 32nd below |
| Net Interest Spread | 4.06% | — | — | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.85% | 0.88% | -0.03% | 32nd below |
| NPA / Total Assets | 0.71% | — | — | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.15% | -0.09% | 23rd bottom |
| ACL / Total Loans | 1.21% | — | — | 51st above |
| ACL / NPLs (Coverage) | 142.70% | — | — | 38th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.39% | 5.96% | -0.57% | 33rd below |
| Provision / NCO | 65.45% | — | — | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.61% | 11.75% | +0.86% | 71st above |
| Equity / Assets | 12.12% | 10.98% | +1.14% | 71st above |
| TCE / Tangible Assets | 12.09% | — | — | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.89% | 80.44% | +24.45% | 7th bottom |
| Core Deposit Ratio | 83.78% | 86.95% | -3.17% | 27th below |
| Wholesale Funding Ratio | 7.20% | — | — | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.10% | — | — | 18th bottom |
| Loan Growth (Y/Y) | 0.18% | — | — | 22nd bottom |
| Deposit Growth (Y/Y) | 4.30% | — | — | 52nd above |
See Focus Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Focus Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Focus Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Focus Bank peer analysis.