Pony Express Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pony Express Bank of Braymer, MO against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.89% | 1.25% | +1.64% | 97th top |
| ROAE | 28.21% | 13.17% | +15.04% | 97th top |
| Net Interest Margin | 4.99% | 3.95% | +1.04% | 92nd top |
| Efficiency Ratio | 43.01% | 61.50% | -18.49% | 92nd top |
| PPNR / Avg Assets | 2.89% | — | — | 95th top |
| Yield on Earning Assets | 6.59% | 5.67% | +0.92% | 89th top |
| Cost of Funds | 1.75% | 1.87% | -0.12% | 53rd above |
| Net Interest Spread | 4.35% | — | — | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.93% | -0.82% | 72nd above |
| NPA / Total Assets | 0.08% | — | — | 72nd above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 50th above |
| ACL / Total Loans | 1.23% | — | — | 54th above |
| ACL / NPLs (Coverage) | 1143.33% | — | — | — |
| Texas Ratio | 1.26% | 6.06% | -4.80% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.10% | 17.18% | -5.08% | 18th bottom |
| Tier 1 Ratio | 12.10% | 17.21% | -5.11% | 18th bottom |
| Total Capital Ratio | 13.35% | — | — | 20th bottom |
| Leverage Ratio | 10.15% | 11.75% | -1.60% | 35th below |
| Equity / Assets | 10.03% | 10.98% | -0.95% | 44th below |
| TCE / Tangible Assets | 9.27% | — | — | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.29% | 80.44% | +8.85% | 30th below |
| Core Deposit Ratio | 82.69% | 86.95% | -4.26% | 23rd bottom |
| Wholesale Funding Ratio | 3.75% | — | — | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.37% | — | — | 41st below |
| Loan Growth (Y/Y) | -1.84% | — | — | 15th bottom |
| Deposit Growth (Y/Y) | 11.28% | — | — | 86th top |
See Pony Express Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pony Express Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pony Express Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Pony Express Bank peer analysis.