Compared with Missouri
8 of 17
compared fees are above the median.
5 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
91st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Missouri median
of 17 compared; 5 below, 4 about the same
See the feesFee schedule read Nov 2, 2026
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 | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Missouri median | Published fees above the Missouri 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
Service charges were 5.5% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (91st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
8 of 17 compared published fees sit above the Missouri median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Missouri medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $8, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income was about level from Q3 2025 to Q2 2026, at $613K. Its share of revenue, 5.5%, is above the 2.1% median for banks with $300M to $1B in assets.
$613K
Focus BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $6 to $10; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Focus Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Focus Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Focus Bank by share.
Amounts from Focus Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per item
per hour
per item
per item
per day
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| High Interest Checking Monthly Service Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| An account is dormant if for one year there have been no deposits or withdrawals to the account. | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance Fee (Per Occurrence) | $15Inside the U.S. middle 50% ($7 to $25 nationally) | 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 | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily overdraft fee (Every Third Business Day) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee - Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee - Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fee - Foreign | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order Fee | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee (Per Item) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Fee (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($10 to $26 nationally) | 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 | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Fee | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per hour
per item
per item
per day
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| An account is dormant if for one year there have been no deposits or withdrawals to the account. | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance Fee (Per Occurrence) | $15Inside the U.S. middle 50% ($7 to $25 nationally) | 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 | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Returned Handling Fee (item returned) Item: Checks, In Person Withdrawal, ATM Withdrawal, or Other Electronic Means | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily overdraft fee (Every Third Business Day) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee - Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee - Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fee - Foreign | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order Fee | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee (Per Item) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Fee (Deposit Accounts Overdrawn More Than 35 Days Without Returning to Positive Balance) | $15Above the U.S. middle 50% ($5 to $10 nationally) | 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 | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Fee | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
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.
Where Focus Bank operates, and what regulators and customers have on file.
Branch footprint
11 offices in 2 states, $679.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 9 | $531.5M |
| 2 | $148.3M |
Jonesboro, AR
3.1% of bank deposits, #13 of 25, down 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Centennial Bank | 17.6% |
| First Community Bank | 9.9% |
| Simmons Bank | 8.6% |
| First National Bank | 8.2% |
| First Horizon Bank | 7.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Jonesboro, AR, Focus Bank holds 3.1% of bank deposits, #13 of 25, with 2 offices.
66 offices of 28 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 25 institutions shown. $4.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 3.1% share, 2 offices, #13 of 25
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
3 offices of 3 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.