Pony Express Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 270.2% in Q2 2026, from $12.4M to $46.0M. It was the largest change from Q1 2026 among the key lines here. Pony Express Bank ranks 73rd of 191 Missouri banks on loan-to-deposit ratio, in the upper half at 89.29% (Q2 2026). Pony Express Bank reported 89.29% on loan-to-deposit ratio for Q2 2026, 8.73 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $46.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.1M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 0.27% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.29% |
| Net loans and leases to deposits | 88.19% |
| Loans and leases to core deposits | 96.35% |
| Core deposits to total deposits | 82.69% |
| Brokered deposits to total deposits | 9.99% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 98.29% | 77.47% | $0 | $28.1M |
| Q4 2023 | 93.07% | 78.62% | $0 | $45.0M |
| Q1 2024 | 85.01% | 82.56% | $0 | $47.0M |
| Q2 2024 | 98.39% | 78.59% | $0 | $42.0M |
| Q3 2024 | 94.46% | 78.37% | $0 | $22.0M |
| Q4 2024 | 93.36% | 79.73% | $0 | $10.0M |
| Q1 2025 | 99.64% | 79.92% | $11K | $40.5M |
| Q2 2025 | 101.22% | 79.91% | $0 | $40.5M |
| Q3 2025 | 101.57% | 79.28% | $0 | $46.2M |
| Q4 2025 | 99.21% | 79.77% | $0 | $20.0M |
| Q1 2026 | 100.66% | 80.74% | $0 | $23.0M |
| Q2 2026 | 89.29% | 82.69% | $0 | $15.0M |
Pony Express Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pony Express Bank, freeSource: Call Report Schedules RC and RC-M, 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)