Focus Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. A current level of 1.5 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix:
Home mtgs (27%), comm re (16%), comm loans (8%), securities (8%), cash (3%), consumer loans (2%), home eq lns (2%), other (34%)
States with Branches:
AR, MO
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Security State Bancshares, Inc.
Investment Rating
--
Address
101 South Main Street
Charleston, MO 63834
Charleston, MO 63834
Phone Number
(573) 683-3712
Year Founded
1930
FDIC Number
Website
Largest Affiliates
No affiliate information available.