Focus Bank
Charleston, MO · Cert 1426 · Peer group: banks under $1B in assets operating regionally (n=94) · Security State Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
$854.1MAssets
$713.0MLoans
$679.8MDeposits
$103.5MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 84% of banks under $1B in assets operating regionally (rank 15 of 94).
- Widest gap: nonperforming loans / loans trails 68% of banks under $1B in assets operating regionally (rank 65 of 94).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.34%
Rank 32 of 94
Net Interest Margin
4.30%
Rank 19 of 94
Efficiency Ratio
64.45%
Rank 53 of 94
Equity / Assets
12.12%
Rank 15 of 94
Non-interest income vs. expense
Unfavorable gap of $21.6M · efficiency ratio beats 45% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.82% | 1.19% | 1.46% | Beats 66% | 32 / 94 | |
| Return on Equity | 11.04% | 7.85% | 11.84% | 14.03% | Beats 44% | 53 / 94 | |
| Net Interest Margin | 4.30% | 3.42% | 3.81% | 4.18% | Beats 80% | 19 / 94 | |
| Efficiency Ratio | 64.45% | 55.99% | 62.41% | 73.02% | Beats 45% | 53 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.19% | 0.47% | 1.14% | Beats 32% | 65 / 94 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.05% | Beats 33% | 64 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 12.61% | 10.28% | 11.95% | 15.07% | Beats 56% | 41 / 94 | |
| Total Risk-Based Capital Ratio | 12.61% | 10.31% | 12.59% | 15.88% | Beats 51% | 46 / 94 | |
| Equity / Assets | 12.12% | 8.98% | 10.21% | 11.41% | Beats 84% | 15 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 104.89% | 72.62% | 84.44% | 94.55% | 93rd pctl | 7 / 94 | |
| Loans / Assets | 83.47% | 62.50% | 72.84% | 78.99% | 84th pctl | 15 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |