Pony Express Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 11.37 percentage points in Q2 2026, from 100.66% to 89.29%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Pony Express Bank is 73rd of 191 on loan-to-deposit ratio, 89.29% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Pony Express Bank sits 8.73 points higher, at 89.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $306.0M |
| Net loans and leases | $302.3M |
| Loans held for sale | $0 |
| Loans to total assets | 76.61% |
| Loan-to-deposit ratio | 89.29% |
| Net loans to equity capital | 7.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.81% |
| Multifamily (5+ residential) | 2.33% |
| Commercial and industrial | 13.17% |
| Consumer | 0.65% |
| Credit cards | 0.00% |
| Farm | 6.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 225.74% |
| Construction concentration (Tier 1 capital + allowance) | 122.62% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.26% |
| Interest income on loans | $5.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $281.6M | $286.5M | 24.02% | 13.38% | 1.43% |
| Q4 2023 | $285.6M | $306.8M | 24.05% | 13.42% | 1.35% |
| Q1 2024 | $290.3M | $341.4M | 24.88% | 14.25% | 1.41% |
| Q2 2024 | $298.8M | $303.7M | 24.87% | 14.47% | 1.49% |
| Q3 2024 | $290.5M | $307.6M | 24.98% | 13.81% | 1.84% |
| Q4 2024 | $300.5M | $321.8M | 26.02% | 12.78% | 1.24% |
| Q1 2025 | $310.0M | $311.1M | 24.58% | 14.83% | 1.43% |
| Q2 2025 | $311.8M | $308.0M | 25.28% | 13.76% | 1.17% |
| Q3 2025 | $303.0M | $298.3M | 25.83% | 12.09% | 0.85% |
| Q4 2025 | $313.1M | $315.6M | 25.61% | 12.62% | 0.84% |
| Q1 2026 | $315.6M | $313.5M | 25.70% | 14.24% | 0.74% |
| Q2 2026 | $306.0M | $342.8M | 25.81% | 13.17% | 0.65% |
Pony Express Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pony Express Bank, freeSource: Call Report Schedule RC-C, 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)