Focus Bank: how it compares with its peers
Against 55 MO banks with half to twice its assets, Focus Bank's strongest measure in Q2 2026 is net interest margin (4.58% vs. a 4.22% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $7.0M).
| Measure | Focus Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.67% | 1.63% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.58% | 4.22% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.45% | 54.02% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $7.0M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 103.62% | 88.92% | Context |
What it means for lending operations
Its efficiency ratio of 64.45% is above the 54.02% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- PSB Bank Rhineland, MO · $854M
- Freedom Bank of Southern Missouri Cassville, MO · $850M
- CNB St Louis Bank Maplewood, MO · $813M
- MRV Banks Sainte Genevieve, MO · $803M
- Peoples Bank & Trust Co. Troy, MO · $908M
Questions about Focus Bank
How big is Focus Bank?
Focus Bank, established in 1930, is headquartered in Charleston, MO. It reported $854M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Focus Bank's return on assets?
1.67% annualized in Q2 2026, against a 1.63% median for 55 MO banks with half to twice its assets, ahead of 55% of them.
What is Focus Bank's efficiency ratio?
64.45% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 54.02%, and lower is better.
Is Focus Bank growing its loans?
Net loans grew 0.1% over the year to Q2 2026, while deposits grew 4.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.