Focus Bank (FDIC #1426): Bank Stress & Real-Estate Credit Exposure
Focus Bank (FDIC Cert #1426): bank stress 50/100, moderate, STABLE over 7 days; parent SECURITY STATE BANCSHARES INC.
Focus Bank (#1426) lends in 5 counties across 2 states; Focus Bank (#1426) reaches 55 ZIP codes: Missouri 3 counties, 33 ZIPs; Arkansas 2 counties, 22 ZIPs.
Focus Bank (#1426) largest markets: Craighead County, AR (34 branches, 17 ZIPs) (#1426), New Madrid County, MO (17 branches, 17 ZIPs) (#1426), Pemiscot County, MO (28 branches, 14 ZIPs) (#1426), Greene County, AR (27 branches, 9 ZIPs) (#1426), Mississippi County, MO (18 branches, 6 ZIPs) (#1426).
Focus Bank (#1426) reports $854.1 million in total assets; Focus Bank (#1426) equity $103.5 million (12.1% of Focus Bank (#1426) assets); Focus Bank (#1426) domestic deposits $679.8 million; Focus Bank (#1426) net income $7.3 million; Focus Bank (#1426) return on assets 1.67%; Focus Bank (#1426) return on equity 14.15%; Focus Bank (#1426) net interest income $18.5 million; Focus Bank (#1426) call report June 30, 2026.
Focus Bank (#1426) noncurrent real-estate loans: none reported; Focus Bank (#1426) net charge-offs on real estate 0.86%; Focus Bank (#1426) residential charge-offs 1.00%.
Focus Bank (#1426) net interest margin 4.58% against an eight-quarter Focus Bank (#1426) average of 4.43% (Focus Bank (#1426) compression -0.15 points); Focus Bank (#1426) real-estate loans 0.1% of equity; Focus Bank (#1426) non-residential real estate 99.7% of equity; Focus Bank (#1426) rate-exposure score 40/100, Focus Bank (#1426) fixed-rate trap 40/100; Focus Bank (#1426) risk type credit driven; Focus Bank (#1426) rate regime rates elevated, Focus Bank (#1426) snapshot October 19, 2026.
Focus Bank (#1426) stress score moved from 53.8 on June 22, 2026 to 49.8 on October 19, 2026; Focus Bank (#1426) ranged 49.8 to 53.8 over 116 snapshots.
Focus Bank (#1426) alerts: 5 counties; top Focus Bank (#1426) alert scores: Caruthersville County, MO 18 (low); East Prairie County, MO 18 (low); Jonesboro County, MO 18 (low); Paragould County, MO 18 (low); Sikeston County, MO 18 (low).