Side-by-side · Q2 2026 data
Focus Bank vs Citizens' Bank of Charleston
Metric by metric
| Measure | Focus Bank | Citizens' Bank of Charleston |
|---|---|---|
| TellerScore | 75 | 86 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 72 | 72 |
| Earnings | 87 | 100 (stronger) |
| Funding & liquidity | 52 | 59 (stronger) |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 61st | 90th |
| Total assets | $854.1M | $185.1M |
| Deposits / shares | $679.8M | $146.6M |
| Capital ratio | 12.61% | 20.51% (stronger) |
| Problem loans | 0.85% | 0.83% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.09% |
| Return on assets | 1.67% | 2.47% (stronger) |
| Loans ÷ deposits | 103.6% | 101.5% (stronger) |
| Uninsured deposits | 19.7% | 9.8% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
Citizens' Bank of Charleston has the higher TellerScore (86 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Focus Bank leads on 1 and Citizens' Bank of Charleston on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Charleston, MO
- East Prairie, MO