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Overview / Commentary
213 Main St
Braymer, MO 64624

Pony Express Bank is headquartered in Braymer and is the 148th largest bank in the state of Missouri. It is also the 3,915st largest bank in the nation. It was established in 1890 and as of December of 2013, it had grown to 26 employees at 2 locations. Pony Express Bank has a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Pony Express Bank had $979,000 in non-current loans and owned real-estate with $20.3 million in equity and loan loss allowances on hand to cover it. This gives Pony Express Bank a Texas Ratio of 4.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pony Express Bank decreased slightly from 5.88% as of December 31, 2012 to 4.82% as of December 31, 2013, resulting in a positive change of 18.04%.This indicates that the balance sheet and financial strength for Pony Express Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Pony Express Bank has increased its total deposits by $5.4 million, resulting in 4.77% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pony Express Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pony Express Bank has $138.69 million in assets with $20.3 million in equity, resulting in a capitalization level of 14.64%, which is excellent.

Institution Statistics

FDIC Certificate #4526
Year Established1890
Primary RegulatorFDIC
Assets and Liabilities
Assets$138.69 million
Loans$112.70 million
Deposits$118.60 million
Equity Capital$18.95 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$239,000
Real Estate Owned$740,000
Historic Data - December 2012
Assets$135.28 million
Equity Capital$18.48 million
Loan Loss Allowance$1.49 million
Unbacked Noncurrent Loans$239,000
Real Estate Owned$985,000
Profit Margin - Quarterly
Net Interest Margin4.81%
Return on Assets2.42%
Return on Equity17.35%
Interest Income$6.38 million

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Pony Express Bank Savings Account Rates

0.51%-$35kKasasa Saver
0.25%$10k-Ultimate Savings
0.05%$100-Business Savings
0.03%--Kasasa Saver

Pony Express Bank Money Market Rates

0.10%$2k-Business MMDA

Pony Express Bank Checking Account Rates

1.01%-$15kKasasa Cash
0.03%--Kasasa Cash
0.03%$1k-Ultimate Checking
0.03%$750-Ultimate Plus
0.03%$750-Plus 50
0.03%$1k-Business Super NOW Checking
0.03%$1k-Super Now Account

Pony Express Bank CD Rates

1.10%$500-60 Month CD
1.10%$1k-Business 60 Month CD
0.90%$500-48 Month CD
0.90%$1k-Business 48 Month CD
0.70%$500-36 Month CD
0.70%$1k-Business 36 Month CD
0.50%$500-24 Month CD
0.50%$500-30 Month CD
0.50%$1k-Business 24 Month CD
0.50%$1k-Business 30 Month CD
0.35%$500-18 Month CD
0.35%$1k-Business 18 Month CD
0.30%$500-12 Month CD
0.30%$1k-Business 12 Month CD
0.20%$500-6 Month CD
0.20%$1k-Business 6 Month CD
0.15%$500-3 Month CD
0.15%$1k-Business 3 Month CD

Pony Express Bank Locations
Pony Express Bank213 Main StBraymer, MO 64624
Liberty Branch215 North 291 HighwayLiberty, MO 64068