Pony Express Bank
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Data as of · sourced from FFIEC call reports. How we update
Pony Express Bank is an FDIC-insured commercial bank headquartered in Braymer, MO, established in 1890 (FDIC certificate 4526), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $399.5M, up 3.4% from Q2 2025, the 83rd largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 12.10% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4526
- Headquarters
- Braymer, MO
- Established
- 1890
- Total assets, Q2 2026
- $399.5M
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 12.10%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101905004
- Latest call report
- Q2 2026, FFIEC 051 · Pony Express Bank call report
- Holding company
- PAGE BANCSHARES, INC.
- Asset rank in state
- 83rd of 191 in Missouri
Pony Express Bank is one of the more profitable banks of its size. Based in Braymer, Missouri, it had $399 million in assets at June 30, 2026, up 3.4% from a year earlier. It earns about $2.89 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans fell 1.8% and deposits rose 11.3%. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.1 million equal 6% of Tier 1 capital, down from 11% a year earlier. Where it has less room is capital: it holds common equity equal to 12.10% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Pony Express Bank reported a CET1 capital ratio of 12.10%, a return on assets of 2.89%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 1.26%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pony Express Bank is the 83rd largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.0% to $399.5M, loans fell 3.0% and deposits rose 9.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.5% of total loans, followed by construction and land development loans at 17.1%. Its 2 offices in the FDIC Summary of Deposits are in Liberty, MO and Braymer, MO; its Liberty office books 92% of its branch deposits. By the capital ratios in its Q2 2026 call report, Pony Express Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 213 N Main St, Braymer, MO 64624
- County
- Caldwell
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 2, 1890
- Former names
- The Braymer Bank (1978-1993)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $342.8M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $386.2M
- Average total loans
- $310.2M
- Average interest-bearing deposits
- $248.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4526
- Fed RSSD
- 953843
- Website
- http://www.ponyexpressbank.com →
- Parent Holding Company
- PAGE BANCSHARES, INC. (RSSD 3201086)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Pony Express Bank's total assets moved between a low of $343.6M (Q3 2023) and a high of $420.7M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$399.5M total assets against $386.5M; $359.4M total liabilities against $350.4M.
$302.3M net loans and leases against $308.1M; $342.8M total deposits against $308.0M.
$42.0M securities against $46.0M; $46.0M cash and balances due against $22.0M.
$6.2M total interest income against $6.3M; $1.5M total interest expense against $1.7M.
$4.7M net interest income against $4.6M.
$236K total noninterest income against $254K; $2.1M total noninterest expense against $2.0M.
$0 provision for credit losses against $200K.
$2.8M net income against $2.6M.
2.89% return on assets against 2.69%; 4.99% net interest margin against 4.74%.
12.10% CET1 capital ratio against 11.28%; 10.15% tier 1 leverage ratio against 9.45%.
Inside the full Pony Express Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Pony Express Bank rankings
Its closest position to the top of a national ranking is 84 of 3,611, for ROA; its furthest is 1,668 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.90% (Q4 2024) to 2.94% (Q3 2025) and its net interest margin ran from 4.34% (Q3 2024) to 5.04% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.10% | 2.89% | 0.17% | 1.26% | 4.99% |
| Q1 2026 | 11.72% | 2.80% | 0.11% | 0.91% | 4.99% |
| Q4 2025 | 11.77% | 2.12% | 0.11% | 0.85% | 5.02% |
| Q3 2025 | 12.23% | 2.94% | 0.11% | 0.87% | 5.04% |
| Q2 2025 | 11.28% | 2.69% | 0.11% | 0.91% | 4.74% |
| Q1 2025 | 11.05% | 2.57% | 0.11% | 0.93% | 4.76% |
| Q4 2024 | 11.66% | 1.90% | 0.00% | 0.00% | 4.99% |
| Q3 2024 | 11.74% | 2.46% | 0.01% | 0.05% | 4.34% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Liberty Branch | Liberty , MO | 64068 | $316.6M |
| Pony Express Bank (main office) | Braymer , MO | 64624 | $26.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 105 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 59 applications, 54 loans originated, $29.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $738K approved, $369K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pony Express Bank
What are Pony Express Bank's total assets?
As of the Q2 2026 filing, Pony Express Bank reported total assets of $399.5 million in its FFIEC call report.
Where is Pony Express Bank headquartered?
It is headquartered in Braymer, MO, United States.
When was Pony Express Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Pony Express Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pony Express Bank?
Pony Express Bank's primary federal regulator is the FDIC.
What is Pony Express Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.10% in its Q2 2026 call report, above regulatory requirements.
How many branches does Pony Express Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pony Express Bank's Texas Ratio?
Its Texas Ratio is 1.26% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Pony Express Bank previously called?
The charter now named Pony Express Bank has also operated as The Braymer Bank (1978-1993), per FDIC structure-change records.
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