Side-by-side · Q2 2026 data
Focus Bank vs First State Bank and Trust Company, Inc.
Bank
First State Bank and Trust Company, Inc.
Caruthersville, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Focus Bank | First State Bank and Trust Company, Inc. |
|---|---|---|
| TellerScore | 75 (stronger) | 56 |
| Capital cushion | 76 | 76 |
| Loan quality | 72 (stronger) | 0 |
| Earnings | 87 | 94 (stronger) |
| Funding & liquidity | 52 | 69 (stronger) |
| Problem-loan coverage | 89 (stronger) | 42 |
| Peer percentile | 61st | 13th |
| Total assets | $854.1M | $659.0M |
| Deposits / shares | $679.8M | $558.7M |
| Capital ratio | 12.61% (stronger) | 12.57% |
| Problem loans | 0.85% (stronger) | 4.76% |
| Net charge-offs | 0.05% (stronger) | 0.22% |
| Return on assets | 1.67% | 1.85% (stronger) |
| Loans ÷ deposits | 103.6% | 86.1% (stronger) |
| Uninsured deposits | 19.7% | 19.5% (stronger) |
| Offices | 9 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
Focus Bank has the higher TellerScore (75 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Focus Bank leads on 4 and First State Bank and Trust Company, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Charleston, MO
- Caruthersville, MO
- Sikeston, MO