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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Charleston, MO · FDIC certificate #1426
FOCUS BANK is an FDIC-insured institution based in Charleston, MO (FDIC certificate #1426). In its Q3 2026 Call Report it reported total assets of $852M, total deposits of $676M and net loans of $706M. Its primary federal regulator is FDIC.
Plain-language readout
FOCUS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $886M in Q1 2026 and were lowest at $852M in Q3 2026.
Total deposits were highest at $696M in Q1 2026 and lowest at $676M in Q3 2026.
Over the whole period total assets fell 3.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $852M | $676M | $706M | 1.90% | 15.98% | 4.66% |
| Q2 2026 | $854M | $680M | $704M | 1.67% | 14.15% | 4.58% |
| Q1 2026 | $886M | $696M | $699M | 1.50% | 12.92% | 4.46% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $34.6M | $68.4M | -$33.8M | -49.4% |
| Federal funds sold | $3K | $3K | $0K | 0.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $64.8M | $66.2M | -$1.4M | -2.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $231K | $537K | -$306K | -57.0% |
| Net loans and leases (after allowance) | $704.2M | $698.5M | +$5.6M | +0.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $16.1M | $15.7M | +$331K | +2.1% |
| Other real estate owned | $0K | $668K | -$668K | -100.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $276K | $276K | $0K | 0.0% |
| All other assets | $34.0M | $35.4M | -$1.5M | -4.1% |
| Total assets | $854.1M | $885.8M | -$31.6M | -3.6% |
| Liabilities | ||||
| Total deposits | $679.8M | $696.1M | -$16.3M | -2.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $61.5M | $79.0M | -$17.5M | -22.2% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $9.4M | $8.8M | +$524K | +5.9% |
| Total liabilities | $750.6M | $783.9M | -$33.3M | -4.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $45.6M | $45.6M | $0K | 0.0% |
| Retained earnings | $62.9M | $60.9M | +$2.0M | +3.2% |
| Accumulated other comprehensive income | -$5.2M | -$4.9M | -$328K | -6.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $103.5M | $101.9M | +$1.6M | +1.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $6.0M | $3.9M | +$2.1M | +54.6% |
| Adjusted nonperforming assets | $6.0M | $3.9M | +$2.1M | +54.6% |
| Tangible equity plus allowance | $111.8M | $110.2M | +$1.6M | +1.5% |
| Texas ratio (gross) | 5.39% | 3.54% | +1.85 pts | See points |
| Texas ratio (adjusted) | 5.39% | 3.54% | +1.85 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.39% | 3.54% | +1.85 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.61% | 12.01% | +0.60 pts | See points |
| Construction and land loans to total capital | 47.70% | 49.50% | -1.80 pts | See points |
| Commercial real estate to total capital | 107.62% | 111.92% | -4.31 pts | See points |
| Dividend payout, year to date | 89.26% | 135.75% | -46.49 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.85% | -4.63% | -0.22 pts | See points |
| Liquidity | ||||
| Core deposits | $569.5M | $585.1M | -$15.6M | -2.7% |
| Non-core funding | $171.7M | $189.9M | -$18.2M | -9.6% |
| Loans to core deposits | 125.15% | 120.85% | +4.30 pts | See points |
| Loans to deposits | 104.85% | 101.59% | +3.27 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 36.30% | 37.77% | -1.47 pts | See points |
| Loans pledged, share of loans | 62.72% | 64.88% | -2.16 pts | See points |
| Volatile liabilities | $171.7M | $189.9M | -$18.2M | -9.6% |
| Earnings | ||||
| Earnings before provision, year to date | $7.7M | $3.6M | +$4.0M | +110.7% |
| Earnings before provision, single quarter | $4.0M | $3.6M | +$391K | +10.7% |
| Provision for credit losses, year to date | $356K | $284K | +$72K | +25.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.89% | 6.75% | +0.13 pts | See points |
| Yield on interest-bearing balances due from banks | 4.51% | 2.93% | +1.58 pts | See points |
| Total interest income to average assets | 6.16% | 5.97% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 0.71% | 0.72% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.29% | 0.28% | +0.02 pts | See points |
| Cost of time deposits | 3.69% | 3.80% | -0.11 pts | See points |
| Total interest expense to average assets | 1.79% | 1.88% | -0.09 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $852M | $676M | $706M | 1.90% | 15.98% | 4.66% |
| 2026-06-30 | $854M | $680M | $704M | 1.67% | 14.15% | 4.58% |
| 2026-03-31 | $886M | $696M | $699M | 1.50% | 12.92% | 4.46% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AR | $327.7M | 0.31% | 51 | Continuing · +0.00 pp |
| MO | $324M | 0.12% | 106 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.