BlastPoint's Banking Scorecard
Focus Bank
Community
Specialty: Commercial
MO
FDIC cert 1426
Charleston, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Focus Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19% in Community
- - Credit Risk Growth: Bottom 22% in Community
- - Loan-to-Deposit Ratio 25.61% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$880.7M
+6.2% YoY
+2.2% QoQ
|
-$510.8M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$727.9M
+6.0% YoY
+1.9% QoQ
|
-$247.6M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$669.8M
+3.9% YoY
+2.7% QoQ
|
-$494.8M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.58%
+11.1% YoY
+2.9% QoQ
|
+0.41% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
4.53%
+6.8% YoY
+0.4% QoQ
|
+0.87% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
64.24%
-3.7% YoY
-2.1% QoQ
|
+1.60% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.26%
+25.3% YoY
+3.0% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
108.67%
+2.0% YoY
-0.8% QoQ
|
+25.61% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.18%
-12.2% YoY
-1.8% QoQ
|
-2.87% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.29%
-0.6% YoY
+0.8% QoQ
|
-0.21% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.69%
+2.3% YoY
+45.3% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Quality Pressure
risk
#151 of 808 · Bottom 19% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.26%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#141 of 642 · Bottom 22% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
108.67%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.66%
77
77th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
51
51th pctile
Total Loans
Current: $727.9M · Tier avg: $975.5M
44
44th pctile
Efficiency Ratio
Current: 64.24% · Tier avg: 62.63%
41
41th pctile
Total Assets
Current: $880.7M · Tier avg: $1.4B
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.18% · Tier avg: 21.05%
35
35th pctile
Total Deposits
Current: $669.8M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.67% · Tier avg: 83.06%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.67% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Total Deposits
Current: $669.8M · Tier avg: $1.2B
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.18% · Tier avg: 21.05%
41
41th pctile
Total Assets
Current: $880.7M · Tier avg: $1.4B
44
44th pctile
Efficiency Ratio
Current: 64.24% · Tier avg: 62.63%
51
51th pctile
Total Loans
Current: $727.9M · Tier avg: $975.5M
55
55th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
77
77th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
88
88th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.66%