BlastPoint's Banking Scorecard

Focus Bank

$100M-$1B Specialty: Commercial MO FDIC cert 1426

Charleston, MO

11 branches across MO · AR

2664 banks in the $100M-$1B peer group nationally 143 in MO

Focus Bank has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.23% above tier average
+ Net Interest Margin 0.52% above tier average
+ Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 7.7% in tier
- Liquidity Strain: Bottom 34.2% in tier
- Credit Quality Pressure: Bottom 39.2% in tier
- NIB Deposit Bleed: Bottom 39.4% in tier
- Efficiency Ratio 0.18% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$885.8M +5.1% YoY +0.6% QoQ	+$499.7M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 4.4% in tier
Total Loans ?	$699.1M +1.1% YoY -4.0% QoQ	+$443.3M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 2.4% in tier
Total Deposits ?	$696.1M +3.5% YoY +3.9% QoQ	+$368.1M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 7.1% in tier
Return on Assets ?	1.50% +1.4% YoY -4.8% QoQ	+0.23%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	68%
Net Interest Margin ?	4.46% +0.1% YoY -1.7% QoQ	+0.52%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	65.47% -1.4% YoY +1.9% QoQ	+0.18%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	43%
Delinquency Rate ?	0.46% +113.8% YoY +77.7% QoQ	-0.43%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	100.43% -2.3% YoY -7.6% QoQ	+23.79%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 8.1% in tier
Non-Interest-Bearing Deposit Share ?	17.41% -17.9% YoY -4.2% QoQ	-4.61%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	34%
Nonperforming Asset Ratio ?	0.44% +64.3% YoY +51.7% QoQ	-0.20%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	12.01% -1.4% YoY -2.6% QoQ	-3.82%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.17% +13.1% YoY -75.8% QoQ	-0.11%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	79%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Credit Risk Growth

risk

#76 of 973 • Bottom 7.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#221 of 643 • Bottom 34.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 100.43%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#514 of 1308 • Bottom 39.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.46%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

NIB Deposit Bleed

decline

#79 of 198 • Bottom 39.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 17.41%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $699.07M

Peer Median: $255.72M

#65 of 2664 Top 2.4% in $100M-$1B

117

Total Assets

size

Value: $885.78M

Peer Median: $386.08M

#117 of 2664 Top 4.4% in $100M-$1B

190

Total Deposits

size

Value: $696.06M

Peer Median: $327.97M

#190 of 2664 Top 7.1% in $100M-$1B

524

Net Interest Margin

profitability

Value: 4.46%

Peer Median: 3.93%

#524 of 2664 Top 19.6% in $100M-$1B

567

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#567 of 2664 Top 21.2% in $100M-$1B

Top Weaknesses (1 metrics)

2449

Loan-to-Deposit Ratio

liquidity

Value: 100.43%

Peer Median: 76.64%

#2449 of 2664 Bottom 8.1% in $100M-$1B