Focus Bank

Headquarters: Charleston, Missouri
Charter: Bank
Assets: $854.1M
Fed district: St. Louis
Regulator: FDIC
Holding company: Security State Bancshares Inc.

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Focus Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Focus Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Focus Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $613K in Q2 2026, about level with the same quarter a year earlier ($611K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $8, the middle of its prices
Focus Bank: $6 to $10
Focus Bank: $6 to $10
U.S. median: no median
Overdraft (OD)
Focus Bank: $32
Focus Bank: $32
U.S. median: no median
NSF / Returned Item
Focus Bank: $32
Focus Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $613K.

Service-charge income, Q2 2026

$613K

$619KQ3 2025

$623KQ4 2025

$612KQ1 2026

$613KQ2 2026

Against the median

Focus BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Focus Bank · $854M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$830M to $874M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Focus Bank(this institution)	Charleston, MO	$854M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of the West	Grapevine, TX	$830M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
BankIowa	Cedar Rapids, IA	$846M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Barwick Banking Company	Barwick, GA	$830M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
BayVanguard Bank	Baltimore, MD	$869M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bogota Savings Bank	Teaneck, NJ	$872M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Falcon National Bank	Foley, MN	$872M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers and Merchants Bank	Upperco, MD	$874M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Resource Bank	Exton, PA	$841M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank of Middlebury	Middlebury, IN	$836M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Utah Bank	Salt Lake City, UT	$840M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hana Bank USA, National Association	Fort Lee, NJ	$835M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Harmony Bank	Dallas, TX	$855M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hawaii National Bank	Honolulu, HI	$872M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Hebron Savings Bank	Hebron, MD	$839M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Legacy Bank	Colwich, KS	$865M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Liberty Bank for Savings	Chicago, IL	$869M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northeast Bank	Minneapolis, MN	$837M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Pendleton Community Bank, Inc.	Franklin, WV	$850M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Quail Creek Bank	Oklahoma City, OK	$831M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Savings Bank of Walpole	Walpole, NH	$858M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas National Bank of Jacksonville	Jacksonville, TX	$852M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Old Fort Banking Company	Old Fort, OH	$844M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Unified Bank	Martins Ferry, OH	$872M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Southern Bank	Umatilla, FL	$843M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
West Shore Bank	Ludington, MI	$834M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized banks: within 1% of their median.

Compared at $8, the middle of its two prices, against a peer median of $8 among 17 publishing peers.

Its two checking prices are $6 and $10.

$8 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Focus Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Focus Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $613K
vs prior quarter: +$1K+0.2%; from Q1 2026
vs a year earlier: +$2K+0.3%; from Q2 2025
vs start of range: −$91K−12.9%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Focus Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$613K	+$1K	+0.2%
Q1 2026	$612K	−$11K	−1.8%
Q4 2025	$623K	+$4K	+0.6%
Q3 2025	$619K	+$8K	+1.3%
Q2 2025	$611K	+$1K	+0.2%
Q1 2025	$610K	−$85K	−12.2%
Q4 2024	$695K	−$9K	−1.3%
Q3 2024	$704K	+$21K	+3.1%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Focus Bank’s own schedules, with a source for each figure.

Account Maintenance

High Interest Checking Monthly Service Fee$6
per month
Service Charge$10
per month
An account is dormant if for one year there have been no deposits or withdrawals to the account.$6
per month
Account Balancing Assistance Fee (Per Occurrence)$15
per item
Account Research Fee (Per Hour)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Paid Handling Fee (each item paid) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means$32
per item
NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means$32
per item
Daily overdraft fee (Every Third Business Day)$5
per day

ATM & Card

Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer Fee - Outgoing$20
Wire Transfer Fee - Incoming$15
Wire Transfer Fee - Foreign$60

Check Services

Cashier's Check Fee$5
Money Order Fee$2
Stop Payment Fee (Per Item)$10
per item
Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance)$15
Collection Fee (audience not stated, treated as personal)$15

Digital & Electronic

Same Day ACH Fees$5
Not compared: Monthly charge, not per item
per month
Same-Day Bill Payment (per item)$10.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposited checks returned unpaid$5

Gift & Prepaid Cards

Gift Card Fee$4.95

Fee	Amount	Basis	Note
Account Maintenance
High Interest Checking Monthly Service Fee	$6	per month	None
Service Charge	$10	per month	None
An account is dormant if for one year there have been no deposits or withdrawals to the account.	$6	per month	None
Account Balancing Assistance Fee (Per Occurrence)	$15	per item	None
Account Research Fee (Per Hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Paid Handling Fee (each item paid) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means	$32	per item	None
NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means	$32	per item	None
Daily overdraft fee (Every Third Business Day)	$5	per day	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee - Outgoing	$20	Not stated	None
Wire Transfer Fee - Incoming	$15	Not stated	None
Wire Transfer Fee - Foreign	$60	Not stated	None
Check Services
Cashier's Check Fee	$5	Not stated	None
Money Order Fee	$2	Not stated	None
Stop Payment Fee (Per Item)	$10	per item	None
Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance)	$15	Not stated	None
Collection Fee (audience not stated, treated as personal)	$15	Not stated	None
Digital & Electronic
Same Day ACH Fees	$5Not compared: Monthly charge, not per item	per month	None
Same-Day Bill Payment (per item)	$10.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposited checks returned unpaid	$5	Not stated	None
Gift & Prepaid Cards
Gift Card Fee	$4.95	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

An account is dormant if for one year there have been no deposits or withdrawals to the account.$6
per month
Account Balancing Assistance Fee (Per Occurrence)$15
per item
Account Research Fee (Per Hour)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Paid Handling Fee (each item paid) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means$32
per item
NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means$32
per item
Daily overdraft fee (Every Third Business Day)$5
per day

ATM & Card

Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer Fee - Outgoing$20
Wire Transfer Fee - Incoming$15
Wire Transfer Fee - Foreign$60

Check Services

Cashier's Check Fee$5
Money Order Fee$2
Stop Payment Fee (Per Item)$10
per item
Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance)$15

Digital & Electronic

Same Day ACH Fees$5
Not compared: Monthly charge, not per item
per month
Bill Pay Transactions - Business (per cycle)$4.95
per month
Same-Day Bill Payment (per item)$10.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposited checks returned unpaid$5

Gift & Prepaid Cards

Gift Card Fee$4.95

Fee	Amount	Basis	Note
Account Maintenance
An account is dormant if for one year there have been no deposits or withdrawals to the account.	$6	per month	None
Account Balancing Assistance Fee (Per Occurrence)	$15	per item	None
Account Research Fee (Per Hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Paid Handling Fee (each item paid) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means	$32	per item	None
NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means	$32	per item	None
Daily overdraft fee (Every Third Business Day)	$5	per day	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee - Outgoing	$20	Not stated	None
Wire Transfer Fee - Incoming	$15	Not stated	None
Wire Transfer Fee - Foreign	$60	Not stated	None
Check Services
Cashier's Check Fee	$5	Not stated	None
Money Order Fee	$2	Not stated	None
Stop Payment Fee (Per Item)	$10	per item	None
Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance)	$15	Not stated	None
Digital & Electronic
Same Day ACH Fees	$5Not compared: Monthly charge, not per item	per month	None
Bill Pay Transactions - Business (per cycle)	$4.95	per month	None
Same-Day Bill Payment (per item)	$10.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposited checks returned unpaid	$5	Not stated	None
Gift & Prepaid Cards
Gift Card Fee	$4.95	Not stated	None

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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