FOCUS BANK
CHARLESTON, MISSOURI · FDIC Cert #1426
Capital & Safety Analysis
According to FDIC financial data, FOCUS BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject FOCUS BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
FOCUS BANK shows some financial weakness with a Health Score of 43/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FOCUS BANK has a Bank Health Score of D (43/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FOCUS BANK holds $820M in total assets and $620M in total deposits. It is located in CHARLESTON, MISSOURI (FDIC Certificate #1426).
FOCUS BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.13%, and the return on assets is 1.35%.
Yes. FOCUS BANK is FDIC-insured (Certificate #1426). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.