Pony Express Bank

Pony Express Bank is headquartered in Braymer and is the 158^th largest bank in the state of Missouri. It is also the 4,165^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 27 employees at 2 locations. Pony Express Bank's savings rates are 94% higher than the national average, and it has a 4-star health rating.

Pony Express Bank Routing Number: 101905004

Related Posts

Pony Express Bank Checking Account Rates

Pony Express Bank Savings Account Rates

Pony Express Bank Money Market Rates

Pony Express Bank CD Rates

Data for Q1 2012

Institution Statistics Pony Express Bank FDIC Certificate # 4526 BankRate Report View Year Established 1890 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $134.06 million Loans $103.06 million Deposits $111.44 million Equity Capital $18.97 million Loan Loss Allowance $1.19 million Unbacked Noncurrent Loans $656,000 Real Estate Owned $1.29 million Historic Data - March 2011 Assets $135.76 million Equity Capital $18.36 million Loan Loss Allowance $1.60 million Unbacked Noncurrent Loans $1.31 million Real Estate Owned $824,000 Profit Margin - Quarterly Net Interest Margin 4.8% Return on Assets 1.66% Return on Equity 12.16% Interest Income $1.67 million

Institution Health Overall Score: 4 out of 5 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 March 31, 2012 Pony Express Bank had $1.94 million in non-current loans and owned real-estate with $20.15 million in equity and loan loss allowances on hand to cover it. This gives Pony Express Bank a Texas Ratio of 9.64% which is above average. 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 held steady from 10.69% as of March 31, 2011 to 9.64% as of March 31, 2012, resulting in a positive change of 9.83%.This indicates that the balance sheet and financial strength for Pony Express Bank has held steady in recent periods. Deposit Growth In the past year, Pony Express Bank has increased its total deposits by $793,000, resulting in 0.72% 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 average. Capitalization 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 $134.06 million in assets with $20.15 million in equity, resulting in a capitalization level of 15.03%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.