FDIC Cert #1426 · Charleston, Missouri · Est. 1930

Focus Bank - FDIC Bank Health Profile

A community-scale look at Focus Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$881M
Total assets
A
Health grade · Excellent
1.58%
Return on assets
12.3%
Tier 1 capital

Data updated July 2026

The verdict

Focus Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 12.34% Tier 1, profitable at 1.58% ROA, 64% efficiency ratio.

#1,169
largest of 4,313 FDIC banks by assets
73rd
percentile by asset size, nationally
12.34%
Tier 1 ratio - above the 10% well-capitalized line
77th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 1426 · MO A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #924/4307
  • PHOTO-FINISH First Farmers and Me… · TN
  • TIER1-WELL 12.3% Tier 1
  • TEXAS-CLEAN 1.7% Texas
  • ROA-STRONG 1.58% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: First Farmers and Merchants Bank, TN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Focus Bank

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Farmers and Me… · TN ·…88/100Focus Bank · MO · this bank88/100Security Bank USA · MN · near88/100The Peoples Bank · KS · near88/100Waukon State Bank · IA · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Focus Bank · July 2026

Call Report read for Focus Bank in a high-failure state

Focus Bank (FDIC Cert #1426) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #924 of 4,307. Tier 1 capital prints at 12.34%, clearing the 10% well-capitalized line. The Texas Ratio is 1.69%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.58%. Balance-sheet scale is $881M, 1,169th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Farmers and Merchants Bank (TN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Focus Bank

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Focus Bank sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Focus Bank's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How Focus Bank's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Focus Bank's composite health score
Tier 1 Capital Ratio (12.34%) 35/40
Return on Assets (ROA) (1.58%) 25/25
Texas Ratio (1.69%) 20/20
Efficiency Ratio (64.24%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$881M

Total balance-sheet footings

Total Deposits

$670M

Customer-funded liabilities

Net Loans

$728M

Outstanding loan book

Net Income

$13M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.94% 12.34% 13.74%
Basel III capital ratios - Focus Bank

Where Focus Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Focus Bank's score of 88/100 falls in the highlighted band.

Focus Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 21% higher than 79% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Focus Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Focus Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Focus Bank's $881M falls in the highlighted band.

Capital & credit buffers at Focus Bank

Tier 1 capital ratio
Well-capitalized 10%

12.34% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.34%
Texas Ratio
1.69%
Equity Capital
$103M

What these ratios mean →

Earnings posture at Focus Bank

Return on Assets (ROA)
77th percentile nationally
1.58%
Return on Equity (ROE)
13.66%
Efficiency Ratio
64.24%

What these mean →

Income & expense at Focus Bank

$52M
Interest Income
$6M
Non-Interest Income
$27M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Focus Bank reports a Texas Ratio of 1.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Focus Bank on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($881M here), outside Missouri so the neighborhood is not state containment.

Affinity Bank $881M · GA Community Bank of Louisiana $880M · LA 1st Colonial Community Bank $882M · NJ First Bank $882M · AK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Focus Bank (FDIC Cert #1426) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Focus Bank Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%