PONY EXPRESS BANK

BRAYMER, MO | Small | Est. Oct. 2, 1890, midnight | FDIC #4526 | RSSD #953843 | FDIC
Latest Report: 2025-12-31

PONY EXPRESS BANK is asn small FDIC-insured commercial bank headquartered in BRAYMER, MO, established in Oct. 2, 1890, midnight. As of 2025-12-31, the bank reported total assets of $376M and total deposits of $316M. Profitability stands at 2.14% ROA and 21.41% ROE, with a net interest margin of 5.38%. The bank's CET1 capital ratio is 11.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.78%. FDIC Certificate #4526.

Assets

$376M

Deposits

$316M

Loans

$313M

Equity

$38M

Profitability

Return on Assets (ROA) 2.14%
Return on Equity (ROE) 21.41%
Net Interest Margin (NIM) 5.38%
Yield on Assets 7.18%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.78%
NPA Ratio 0.09%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 11.77%
Tier 1 Capital 11.77%
Total Capital Ratio 13.02%
Leverage Ratio 9.84%
Loan-to-Deposit 99.21%

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