Bank · FDIC insured
FOCUS Bank
A $854.1M bank headquartered in Charleston, MO, with 11 branches in 2 states. Best rates: CDs 4.05% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.05%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FOCUS Bank
Built on a 94-year foundation of community banking, FOCUS Bank serves communities throughout Southeast Missouri and Northeast Arkansas.
- Headquarters
- 101 South Main Street, Charleston, MO 63834
- FDIC certificate
- 1426 ↗
Branches
11 branches in 2 states
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Missouri
6 branches
Charleston area · 2
- Focus BankMain office101 South Main Street, Charleston, MO 63834Directions
- Online Banking Branch101 S Main St, Charleston, MO 63834Directions
Caruthersville area · 2
- Caruthersville Drive-In Facility4th And Walker, Caruthersville, MO 63830Directions
- Caruthersville Facility323 Ward Ave, Caruthersville, MO 63830Directions
East Prairie area · 1
- East Prairie Facility4950 S Highway 105, East Prairie, MO 63845Directions
Sikeston area · 1
- Sikeston Facility1150 S Main St, Sikeston, MO 63801Directions
Arkansas
5 branches
Jonesboro area · 2
- Jonesboro Branch2525 Red Wolf Blvd, Jonesboro, AR 72401Directions
- Jonesboro Southwest Drive Facility406 Southwest Dr, Jonesboro, AR 72401Directions
Paragould area · 2
- Paragould Highway 49 South Facility3100 Linwood Dr, Paragould, AR 72450Directions
- Paragould Kingshighway Facility3005 W Kings Hwy, Paragould, AR 72450Directions
Marmaduke area · 1
- Marmaduke Facility7281 Highway 34 E, Marmaduke, AR 72443Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.61% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.85% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.67% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $105 | $81 | — |
- CapitalLeverage ratio12.61%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.85%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.67%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$105Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of FOCUS Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.