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Ratoon Launch


By: Anna Ferrell, Marketing Director

Charleston, MO - FOCUS Bank is pleased to announce the creation of Ratoon, a FinTech banking division. By definition, “ratoon”, is a new shoot or sprout springing from the base of a crop plant. Staying true to the definition of “ratoon,” FOCUS Bank’s mission is to be the sound, compliant base on which FinTech partner’s competitive, innovative products and services can thrive. The primary goal of Ratoon is to form lasting partnerships with FinTech organizations, processors or others seeking ways to offer their customers debit, credit, lending and banking services under their specific brand. No matter what industry strategic partners desire to serve, FOCUS Bank can provide white label card services and installment loan products to meet their needs and exceed expectations. All services and programs are backed by sound and safe banking practices through rigorous compliance standards.

“We are committed to support the growth and expansion of the banking industry through our dedication to comprehensive, compliant and efficient oversight of all programs issued through FOCUS Bank,” stated Jeffrey D. Barker, President and CEO, FOCUS Bank. “As you get to know us, you’ll find a community bank with outstanding, responsive service to our customers’ needs combined with technology and staff that are second to none,” Barker said.

The Ratoon relationship is client-centered, flexible, and scalable all backed by industry experts. Based upon the concepts to Sow, Grow, and Thrive, the Ratoon staff, led by Chief FinTech Banking Officer, Kayla Jones, customizes a plan for each FinTech partner.  “There’s no one-size-fits-all approach,” said Jones. “With Ratoon, we work alongside the partners to custom tailor the solutions that best serve their business model and customer base.”

As a family-owned bank, founded in 1930, FOCUS Bank has developed and maintained a reputation for sound banking practices along with excellent customer service. With over $800M in assets, FOCUS Bank is moving forward with an innovative mix of old-fashioned, first-name basis customer service combined with state-of-the-art banking products and services. This commitment to customer service, along with a sharply focused vision for the future is proving to be a winning combination in communities throughout Southeast Missouri and Northeast Arkansas.  To date, FOCUS Bank has branches in: Caruthersville, MO; Charleston, MO; East Prairie, MO; Sikeston, MO; Jonesboro, AR; Marmaduke, AR; and Paragould, AR.

To learn more about FOCUS Bank visit or Member FDIC and Equal Housing Lender.