Pony Express Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to total assets fell 0.35 percentage points in Q2 2026 to 10.03%, the biggest move on this page. Pony Express Bank ranks 67th of 97 Missouri banks on CET1 ratio, in the lower half at 12.10% (Q3 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Pony Express Bank sits 2.98 points lower, at 12.10% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.10% |
| Tier 1 risk-based capital ratio | 12.10% |
| Total risk-based capital ratio | 13.35% |
| Tier 1 leverage ratio | 10.15% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $38.9M |
| Tier 1 capital | $38.9M |
| Total risk-based capital | $42.9M |
| Total equity capital | $40.1M |
| Risk-weighted assets | $321.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.03% |
| Tangible equity to tangible assets | 9.27% |
| Equity capital to average assets | 10.38% |
| Internal capital growth rate | 8.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $405K |
| Common stock surplus | $17.4M |
| Retained earnings | $24.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.39% | 11.39% | 12.64% | 9.19% | $280.7M |
| Q4 2023 | 11.59% | 11.59% | 12.84% | 9.41% | $283.5M |
| Q1 2024 | 11.47% | 11.47% | 12.69% | 9.12% | $290.6M |
| Q2 2024 | 11.59% | 11.59% | 12.81% | 8.73% | $297.5M |
| Q3 2024 | 11.74% | 11.74% | 12.95% | 9.30% | $300.9M |
| Q4 2024 | 11.66% | 11.66% | 12.89% | 9.81% | $305.0M |
| Q1 2025 | 11.05% | 11.05% | 12.21% | 9.78% | $325.4M |
| Q2 2025 | 11.28% | 11.28% | 12.48% | 9.45% | $324.4M |
| Q3 2025 | 12.23% | 12.23% | 13.48% | 9.87% | $305.8M |
| Q4 2025 | 11.77% | 11.77% | 13.02% | 9.84% | $317.9M |
| Q1 2026 | 11.72% | 11.72% | 12.94% | 10.14% | $325.0M |
| Q2 2026 | 12.10% | 12.10% | 13.35% | 10.15% | $321.2M |
Pony Express Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pony Express Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pony Express Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4526) · FFIEC NIC profile (RSSD 953843)