BlastPoint's Banking Scorecard
Focus Bank
Charleston, MO
11 branches across MO · AR
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +4.3% year over year ($679.8M on the books).
- Delinquency rate 0.86%.
- Return on assets 1.67%.
- Efficiency ratio 64.45% vs a 64.48% peer average.
- Loan-to-deposit ratio 103.62% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Focus Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.34% above tier average
- + Net Interest Margin 0.59% above tier average
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 39.9% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$854.1M
-0.1% YoY
-3.6% QoQ
|
+$467.6M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Top 5.5% in tier |
| Total Loans ? |
$704.4M
+0.1% YoY
+0.8% QoQ
|
+$446.0M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Top 2.3% in tier |
| Total Deposits ? |
$679.8M
+4.3% YoY
-2.3% QoQ
|
+$353.0M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Top 7.9% in tier |
| Return on Assets ? |
1.67%
+17.9% YoY
+11.1% QoQ
|
+0.34% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
4.58%
+2.5% YoY
+2.8% QoQ
|
+0.59% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
64.45%
-3.5% YoY
-1.6% QoQ
|
-0.03% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
0.86%
+252.6% YoY
+85.1% QoQ
|
-0.06% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
103.62%
-4.1% YoY
+3.2% QoQ
|
+25.67% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.25%
-5.6% YoY
-0.9% QoQ
|
-4.78% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.71%
+149.6% YoY
+60.3% QoQ
|
+0.04% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
12.61%
+3.1% YoY
+5.0% QoQ
|
-3.30% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.37%
+28.5% YoY
+119.5% QoQ
|
-0.20% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
82% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.3%
-1.0pp YoY -0.2pp QoQ |
-4.9pp | 22.1% | 20.9% | 22.2% | 32% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.9%
-1.9pp YoY -0.9pp QoQ |
-3.7pp | 11.6% | 12.3% | 12.5% | 39% |
| CRE |
29.7%
+1.5pp YoY -0.8pp QoQ |
-9.8pp | 39.5% | 36.8% | 41.4% | 34% |
| 1-4 Family |
35.4%
+0.6pp YoY -0.1pp QoQ |
+2.8pp | 32.6% | 31.9% | 31.3% | 62% |
| Consumer |
2.7%
-0.1pp YoY 0.0pp QoQ |
-1.4pp | 4.1% | 4.1% | 5.0% | 56% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
12.6%
+0.4pp YoY +0.6pp QoQ |
+0.4pp | 12.2% | 11.6% | 12.6% | 71% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
163
-1 (-0.6%) YoY -2 (-1.2%) QoQ |
+104 | 58 | 162 | 482 | 98% |
| Assets per Employee ($) |
$5.2M
+0.5% YoY -2.4% QoQ |
-$2.3M | $7.5M | $8.0M | $8.8M | 18% |
| Branch Count |
11
0 YoY 0 QoQ |
+6 | 4 | 10 | 18 | 93% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.9%
+0.6pp YoY +0.4pp QoQ |
-0.1pp | 0.9% | 0.8% | 1.0% | 68% |
| Allowance Coverage |
1.43x
-68.5% YoY -46.4% QoQ |
-22.73x | 24.15x | 10.47x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 68% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
+1.8pp YoY +1.2pp QoQ |
+2.0pp | 12.2% | 14.3% | 11.6% | 63% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY -0.1pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 69% |
| Net Income ($, YTD) |
$7.3M
+22.3% YoY — QoQ |
+$4.7M | $2.6M | $11.3M | $40.4M | 96% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.