# FOCUS BANK
CHARLESTON, MO · FDIC certificate 1426 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $854.1M | |
| Deposits | $679.8M | |
| Loans and leases | $713.0M | |
| Total equity | $103.5M | |
| Loans / deposits | 103.62% (p93 of band) | 82.04% |
| Liquid assets / assets | 11.64% (p8 of band) | |
| Uninsured deposits / deposits | 19.70% (p28 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.20% (p68 of band) | |
| FHLB advances / assets | 7.20% | |
| Tier 1 leverage | 12.61% (p76 of band) | 10.81% |
| Unrealized securities loss / equity | -5.08% (p62 of band) | -8.10% |
| AOCI / equity | -0.62% (p36 of band) | |
| ROA (annualized) | 1.67% (p74 of band) | 1.28% |
| Net interest margin | 4.58% (p85 of band) | 3.91% |
| Efficiency ratio | 64.45% (p60 of band) | |
| Noncurrent loans | 0.85% (p68 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p75 of band) | |
| Reserve coverage of noncurrent | 142.70% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 53.94% (p60 of band) | |
| Auto loans | $6.9M (0.96% of loans; DQ 1.30%, NCO 0.01%) | |
| Loans to nondepository financials | $1,000 (0% of equity) (p89 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 163 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | capital falling | loans exceed deposits |
| 2012-06 | 2 | loans exceed deposits | capital falling |
| 2012-09 | 3 | reserve under noncurrent |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | charge-offs p90 |  |
| 2013-09 | 3 |  | charge-offs p90 |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 | losing money | loans exceed deposits |
| 2014-06 | 5 | loans exceed deposits, capital falling |  |
| 2014-09 | 4 | liquid assets <10% | losing money, capital falling |
| 2014-12 | 3 |  | liquid assets <10% |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | liquid assets <10% |  |
| 2015-12 | 4 | uninsured deposits leaving | liquid assets <10% |
| 2016-03 | 4 | charge-offs p90 | uninsured deposits leaving |
| 2016-06 | 4 | liquid assets <10% | charge-offs p90 |
| 2016-09 | 2 |  | reserve under noncurrent, liquid assets <10% |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | liquid assets <10%, reserve under noncurrent |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | liquid assets <10% |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | capital falling |  |
| 2018-09 | 3 | liquid assets <10% | reserve under noncurrent, capital falling |
| 2018-12 | 2 |  | liquid assets <10% |
| 2019-03 | 1 |  | wholesale funding >15% |
| 2019-06 | 3 | capital falling, charge-offs p90 |  |
| 2019-09 | 1 |  | capital falling, charge-offs p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | loans exceed deposits |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | loans exceed deposits |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | loans exceed deposits |
| 2022-06 | 1 | loans exceed deposits |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking |  |
| 2023-06 | 1 |  | deposits shrinking, assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-24 [Focus Bank implements Bond.AI's Autopilot Profit - FinTech Futures](https://news.google.com/rss/articles/CBMie0FVX3lxTE5YLXBmOGZybjJFWDJSanZmVlhkaFhWVXk1ZUpoZWRrdGlHRjJibW80SkxQc1V3enpDMExzLWt1eVRUeEtmN2FTS2o4Y0pSU0lBeUsxT1llZnVrUzctMFAwYXFWM1EyYy1NTV82REhyb3YxRm5kbmdzR3ZFZw?oc=5) · FinTech Futures
- 2016-02-25 [Former Charleston, MO bank president sentenced to prison for fraud - KFVS12](https://news.google.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?oc=5) · KFVS12
- 2024-01-22 [RiverBank Buys Into Paragould - Arkansas Business](https://news.google.com/rss/articles/CBMie0FVX3lxTE9rZ2xMQmJXak9hWU9kQjlNSEowY2hvWTNzNEFDdkthZXRPYjZkNy1Gc05qRTdVS2NPUHVhR0pISk9GUUxmY3hVTXBTMzB0UDNHWHlBOGpnQmlENEtSOUQyTDZuN3ZHUmxBeHdCSTVpc2o3Zlg3OThMMWVMaw?oc=5) · Arkansas Business
- 2022-05-25 [Central Bank makes C-level hire in Springfield - Springfield Business Journal](https://news.google.com/rss/articles/CBMiggFBVV95cUxPTl81ZDRnc0FocWFtQm5kZ0dGSENpbUc0N2lIemxlN21nd2JRZF9fdWtIRmU0em12dkMxUExTV1lKaXVTRjFPcFpKc0VFR2hER1NmX3FqOHlFS3RrUHUtaTRwZHhwQTNRaEF1cVYydmVDZ21iWlVaUm8xaHg5MnhXT0pn?oc=5) · Springfield Business Journal
- 2017-09-18 [How One Missouri Town Saved Its Hospital From Financial Collapse - KCUR](https://news.google.com/rss/articles/CBMirAFBVV95cUxOSnNZTlNFcGE2TlYxZFJtWDg3dF94RlIwbDN3T1VWdmZmc1puXzFnbHlMc3V2cWlKck9JN0NnOXlpU01WZUJfUFFoRkpTbGhGSExfQmUybDY3NlQ2M29nYl9HcURaeDRtNmJWQk5tdmVDNWxBMjBMNmdlcUF3aTE4NXFPSFNSUXdWc3p4bXdoR2lRUGgtZHYyY1pORFVNZFV5U0Z6RkJkUmphUl95?oc=5) · KCUR
- 2017-06-05 [Focus Bank’s Jerry Morgan on Keeping Commodities in the Community - Arkansas Business](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQcGJqT2J0Z1NKdkJmYndkeVA4aGVXR3hHQVRfbkxzQVNSakJWcDJQWTZZMThqQU5yeEJ5QUppd01WQjBCdzdBM0N5V3NCUFpWbUxoZ1hTSlNtVmx3dVZsTFFTVTB0dmNlYkRXUlk1S25xYThKUUdkNVlTQzBUSnlPTU5hZTNCR2k2LUNoTFMycTFNbS1GbUZiWjFGS1BObUtVZHp4VTBfZGplQQ?oc=5) · Arkansas Business
- 2025-01-14 [Donald Lewis Burnett Obituary (2025) - Sikeston, MO - McMikle Funeral Home - Sikeston - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOTFAxU01qY0pPMkJibnhWRUx5blI3TVpUdEhyZHk2VlRubVFwMzVmc3JEZUU1N1BIeEktSDllNXJPV3BvZkhkajE0X3lmRktZNld4QkhNOVBDTjAwZDFuejQxSnlPQmR3Y21Dcm9LdHNfdENCbmVhaHNKYVItMm1MOVN4aw?oc=5) · legacy.com
- 2011-07-20 [Man accused in armed robbery of bank waves arraignment - KFVS12](https://news.google.com/rss/articles/CBMiekFVX3lxTE1HZU5fckJWdzJqUE5vczdXR25lcDNWN1NjdWxaN2JGM1hqdHRSUTluZnFtWXl5NFc5d2cwMEVvWWp1ck9FQjZSMDE5bFVIcWk5ckhTRGRuYTlRNTRvOTlnWTR4NE02Tnd6VXlJWjNOUzlBSThBS1BoaW5n0gGMAUFVX3lxTE1WTUhIbEZUQlhfYWZVYW5JNlBKTllqWkdvY2RuNGZuM0pnZkx0V3RpXzdhNTEza3k0YmV5b0U4ejN1dUUxeGw5VGxuZHI0c3JUSmU3TWFSYUpXOHZsdHdtbG16MXJuakxfWG53VHFCaEJfelFqR0M5a1ZYdGlRaUROUVZ2TS1tN1lhZDg3?oc=5) · KFVS12

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1426 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "1426", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide