BlastPoint's Banking Scorecard

Pony Express Bank

$100M-$1B Specialty: Commercial MO FDIC cert 4526

Braymer, MO

2 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits +11.3% year over year ($342.8M on the books).
Delinquency rate 0.17%.
Return on assets 2.83%.
Efficiency ratio 44.49% vs a 64.48% peer average.
Loan-to-deposit ratio 88.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

Pony Express Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 26.3% in tier
+ Net Interest Margin 0.99% above tier average
+ Efficiency Ratio 19.99% below tier average
+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 14.5% in tier

Get updates when Pony Express Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$399.5M +3.4% YoY +6.0% QoQ	+$12.9M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$302.3M -1.9% YoY -3.0% QoQ	+$43.9M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	68%
Total Deposits ?	$342.8M +11.3% YoY +9.3% QoQ	+$16.0M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	62%
Return on Assets ?	2.83% +7.5% YoY +0.7% QoQ	+1.51%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 2.7% in tier
Net Interest Margin ?	4.98% +2.2% YoY -1.1% QoQ	+0.99%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	Top 8.4% in tier
Efficiency Ratio ?	44.49% -1.4% YoY -2.5% QoQ	-19.99%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Top 8.2% in tier
Delinquency Rate ?	0.17% +57.2% YoY +45.8% QoQ	-0.75%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	68%
Loan-to-Deposit Ratio ?	88.19% -11.8% YoY -11.3% QoQ	+10.24%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	30%
Non-Interest-Bearing Deposit Share ?	23.33% +8.3% YoY -0.1% QoQ	+1.30%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	0.13% +49.2% YoY +33.4% QoQ	-0.54%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	67%
Tier 1 Capital Ratio ?	12.10% +7.3% YoY +3.3% QoQ	-3.80%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.13% -1.3% YoY +77.1% QoQ	-0.44%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	27%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	23.3% +1.8pp YoY 0.0pp QoQ	+1.2pp	22.1%	20.9%	22.2%	60%
Brokered Deposits	10.0% -2.6pp YoY -1.0pp QoQ	+2.1pp	7.9%	7.4%	8.5%	75%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	13.4% -0.6pp YoY -1.1pp QoQ	+1.8pp	11.6%	12.3%	12.5%	70%
CRE	45.9% -0.2pp YoY +0.3pp QoQ	+6.3pp	39.5%	36.8%	41.4%	64%
1-4 Family	29.9% +1.4pp YoY -0.2pp QoQ	-2.8pp	32.6%	31.9%	31.3%	51%
Consumer	0.7% -0.5pp YoY -0.1pp QoQ	-3.5pp	4.1%	4.1%	5.0%	20%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	12.1% +0.8pp YoY +0.4pp QoQ	-6.7pp	18.8%	18.5%	19.7%	18%
Leverage Ratio	10.2% +0.7pp YoY 0.0pp QoQ	-2.0pp	12.2%	11.6%	12.6%	35%
Total Capital Ratio	13.3% +0.9pp YoY +0.4pp QoQ	-6.6pp	19.9%	19.6%	20.8%	20%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	34 +3 (+9.7%) YoY -1 (-2.9%) QoQ	-25	58	162	482	33%
Assets per Employee ($)	$11.7M -5.8% YoY +9.1% QoQ	+$4.2M	$7.5M	$8.0M	$8.8M	92%
Branch Count	2 0 YoY 0 QoQ	-3	4	10	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.4%	41%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	20%
Allowance Coverage	7.41x -34.1% YoY -29.3% QoQ	-16.74x	24.15x	10.47x	20.23x	78%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	28%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	27.7% -0.7pp YoY +0.5pp QoQ	+15.5pp	12.2%	14.3%	11.6%	98%
Cost of Funds (YTD)	1.6% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.8%	1.7%	43%
Net Income ($, YTD)	$5.4M +8.4% YoY — QoQ	+$2.9M	$2.6M	$11.3M	$40.4M	90%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#175 of 661 • Top 26.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.83%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk

#183 of 1256 • Bottom 14.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.17%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 2.83%

Peer Median: 1.32%

#72 of 2643 Top 2.7% in $100M-$1B

217

Efficiency Ratio

profitability

Value: 44.49%

Peer Median: 64.48%

#217 of 2643 Top 8.2% in $100M-$1B

222

Net Interest Margin

profitability

Value: 4.98%

Peer Median: 3.99%

#222 of 2643 Top 8.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available