Side-by-side · Q2 2026 data
Focus Bank vs CNB St Louis Bank
Metric by metric
| Measure | Focus Bank | CNB St Louis Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 65 |
| Capital cushion | 76 (stronger) | 43 |
| Loan quality | 72 | 81 (stronger) |
| Earnings | 87 (stronger) | 75 |
| Funding & liquidity | 52 (stronger) | 49 |
| Problem-loan coverage | 89 | 90 (stronger) |
| Peer percentile | 61st | 29th |
| Total assets | $854.1M | $812.9M |
| Deposits / shares | $679.8M | $696.8M |
| Capital ratio | 12.61% (stronger) | 9.29% |
| Problem loans | 0.85% | 0.57% (stronger) |
| Net charge-offs | 0.05% | -0.00% (stronger) |
| Return on assets | 1.67% (stronger) | 1.36% |
| Loans ÷ deposits | 103.6% | 92.8% (stronger) |
| Uninsured deposits | 19.7% (stronger) | 31.3% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 3.8% |
Focus Bank has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Focus Bank leads on 4 and CNB St Louis Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.