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Pony Express Bank
Braymer, MO · FDIC Certificate #4526 · Chartered 10/0
Total assets
$399.47M
Total deposits
$342.76M
Total equity
$40.07M
Net loans
$302.27M
Branches (offices)
2
Net income (YTD)
$5.44M
Rank: #2,059 of 4,213 U.S. banks by assets · #83 of 190 in Missouri. Assets changed 3.4% and deposits 11.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.83% |
| Return on equity | 27.74% |
| Net interest margin (YTD) | 4.98% |
| Equity to assets | 10.03% |
| Tier 1 leverage ratio | 10.15% |
| Uninsured deposits (share of deposits) | 36.8% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 88.2% |
| Real estate loans (share of loans) | 82.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $248.49M | 82.2% | |
| Commercial & industrial | $40.40M | 13.4% | |
| Consumer / individual | $1.99M | 0.7% | |
| Construction & development | $52.29M | 17.3% | |
| Agricultural | $10.86M | 3.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $337.23M | $310.59M | $2.94M | $26.05M |
| Jun 2023 | $349.99M | $294.10M | $4.46M | $28.51M |
| Jun 2024 | $380.42M | $303.70M | $4.60M | $32.69M |
| Jun 2025 | $386.46M | $308.03M | $5.02M | $36.07M |
| Jun 2026 | $399.47M | $342.76M | $5.44M | $40.07M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $342.76M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $342.76M.
Similar-sized banks
The Garrett State Bank ($399.66M) · Liberty Bank, National Association ($399.18M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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