Focus Bank
Charleston, MO
IDRSSD: 498148
Total Assets
$880.65M
Latest filing
Total Deposits
$669.83M
Latest filing
Net Interest Margin
4.58%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Focus Bank
101 South Main Street
Charleston, MO 63834
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1930FDIC Certificate 946
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Focus Bank (Main) | 101 South Main Street | Charleston, MO |
| EAST PRAIRIE FACILITY | 4950 S Highway 105 | East Prairie, MO |
| CARUTHERSVILLE DRIVE-IN FACILITY | 4th And Walker | Caruthersville, MO |
| SIKESTON FACILITY | 1150 S Main St | Sikeston, MO |
| MARMADUKE FACILITY | 7281 Highway 34 E | Marmaduke, AR |
| PARAGOULD HIGHWAY 49 SOUTH FACILITY | 3100 Linwood Dr | Paragould, AR |
| JONESBORO SOUTHWEST DRIVE FACILITY | 406 Southwest Dr | Jonesboro, AR |
| JONESBORO BRANCH | 2525 Red Wolf Blvd | Jonesboro, AR |
Showing 7 of 10
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1930 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 63834 |
| State and County Number | 29133 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 170 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.focusbank.com |
| Data Updated | 01/30/2026 |
| CERT | 1426 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $880.65M |
| Total Deposits | $669.83M |
| Total Liabilities | $777.28M |
| Total Equity Capital | $103.37M |
| Net Income | $3.73M |
| Net Loans and Leases | $727.92M |
| Assets Per Employee ($Millions) | $5.47M |
| Bank Premises and Fixed Assets | $15.84M |
| Cash and Balances due from Depository Institutions | $30.72M |
| Deposits Held in Domestic Offices | $669.83M |
Key Performance Ratios
| Return on Assets (ROA) | 1.71% |
| Return on Equity (ROE) | 14.63% |
| Net Interest Margin | 4.58% |
| Efficiency Ratio | 60.44% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.32% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.738% |
| Earning Assets to total Assets | 91.86% |
Income and Expense
| Total Interest Income | $13.58M |
| Total Noninterest Income | $2.00M |
| Total Interest Expense | $4.39M |
| Total Noninterest Expense | $6.76M |
| Net Interest Income | $9.20M |
| Pre-tax Net Operating Income | $3.74M |
| Provision for Credit Losses | $689.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $662.00k |
| Other borrowed funds | $99.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.45M |
| Total Liabilities and Capital | $880.65M |
Securities
| Securities | $67.94M |
| Available-for-sale debt securities | $67.94M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$880.65M as of the latest filing.
How much are Focus Bank's total deposits?
$669.83M 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)?
1.71%.
How much are total loans and leases?
$727.92M (latest filing).
What is the total interest income (latest filing)?
$13.58M.