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Focus Bank

Charleston, MO
IDRSSD: 498148
Total Assets
$861.56M
Latest filing
Total Deposits
$652.40M
Latest filing
Net Interest Margin
4.58%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1930
Community BankYes
Ownership TypeNot Mutual
ZIP63834
State and County Number29133
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees164
Domestic Offices11
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.focusbank.com
Data Updated11/14/2025
CERT1426
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$861.56M
Total Deposits$652.40M
Total Liabilities$760.77M
Total Equity Capital$100.79M
Net Income$3.78M
Net Loans and Leases$714.56M
Assets Per Employee ($Millions)$5.07M
Bank Premises and Fixed Assets$15.99M
Cash and Balances due from Depository Institutions$24.07M
Deposits Held in Domestic Offices$652.40M

Key Performance Ratios

Return on Assets (ROA)1.76%
Return on Equity (ROE)15.23%
Net Interest Margin4.58%
Efficiency Ratio63.45%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.07%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.699%
Earning Assets to total Assets92.41%

Income and Expense

Total Interest Income$13.46M
Total Noninterest Income$1.66M
Total Interest Expense$4.34M
Total Noninterest Expense$6.83M
Net Interest Income$9.11M
Pre-tax Net Operating Income$3.79M
Provision for Credit Losses$151.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$675.00k
Other borrowed funds$99.00M
Federal Funds Sold & Reverse Repurchase Agreement$3.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$9.37M
Total Liabilities and Capital$861.56M

Securities

Securities$68.36M
Available-for-sale debt securities$68.36M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Focus Bank?
$861.56M as of the latest filing.
How much are Focus Bank's total deposits?
$652.40M in total deposits.
Where is Focus Bank located?
Charleston, MO.
What is the Net Interest Margin?
4.58%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1930.
What is the Return on Assets (ROA)?
1.76%.
How much are total loans and leases?
$714.56M (latest filing).
What is the total interest income (latest filing)?
$13.46M.