This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Charleston, MO
Health score
84.0
Total assets
$854.1M
Bank
Troy, MO
Health score
73.9
Total assets
$908.3M
Answer first
Focus Bank leads on financial health and capitalization and profitability and lending quality; Peoples Bank & Trust Co. leads on growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Focus Bank
Higher TFS health score
Capitalization
Focus Bank
Higher comparable capital ratio
Profitability
Focus Bank
Higher return on assets
Lending quality
Focus Bank
Lower problem-loan measure
Growth
Peoples Bank & Trust Co.
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Focus Bank | Peoples Bank & Trust Co. |
|---|---|---|
| TFS health score | 84.0/100Leads | 73.9/100 |
| Total assets | $854.1M | $908.3M |
| Total deposits / shares | $679.8M | $799.3M |
| Tier 1 capital ratio | 12.61%Leads | 9.96% |
| Return on assets | 1.67%Leads | 1.56% |
| Return on equity | 14.15% | 18.43% |
Focus Bank
11 branches
Peoples Bank & Trust Co.
10 branches
Both institutions report branches in 1 state: MO.
Focus Bank
Unavailable
Peoples Bank & Trust Co.
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Focus Bank
0 in TFS registry
Peoples Bank & Trust Co.
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Focus Bank score | Focus Bank ROA | Peoples Bank & Trust Co. score | Peoples Bank & Trust Co. ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.38% | — | 1.17% |
| 2024-Q4 | — | 1.42% | — | 1.24% |
| 2025-Q1 | — | 1.48% | — | 1.25% |
| 2025-Q2 | — | 1.41% | — | 1.37% |
| 2025-Q3 | — | 1.53% | — | 1.51% |
| 2025-Q4 | — | 1.58% | — | 1.42% |
| 2026-Q1 | 84.3/100 | 1.50% |
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| Non-performing loans | 0.85%Leads | 2.27% |
| Net charge-offs | 0.05% | 0.01%Leads |
| Efficiency ratio | 64.45% | 51.77%Leads |
| Loan-to-deposit ratio | 103.62% | 61.23% |
| Asset growth (YoY) | -0.10% | 5.24%Leads |
| Deposit / share growth (YoY) | 4.30% | 5.76%Leads |
| Branches | 11 | 10 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 72.6/100 |
| 1.56% |
| 2026-Q2 | 84.0/100 | 1.67% | 73.9/100 | 1.56% |