BlastPoint's Banking Scorecard

Pony Express Bank

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

Braymer, MO

2 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Pony Express Bank has 4 strengths but faces 3 concerns

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 22.7% in tier
+ Net Interest Margin 1.11% above tier average
+ Efficiency Ratio 19.66% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.0% in tier
- Credit Quality Pressure: Bottom 5.8% in tier
- Liquidity Strain: Bottom 33.9% in tier

Get updates when Pony Express Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$376.9M -2.9% YoY +0.2% QoQ	-$9.1M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	58%
Total Loans ?	$311.8M +1.8% YoY +0.8% QoQ	+$56.1M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$313.5M +0.8% YoY -0.7% QoQ	-$14.5M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	57%
Return on Assets ?	2.81% +11.3% YoY +8.5% QoQ	+1.54%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 2.9% in tier
Net Interest Margin ?	5.04% +4.6% YoY +0.9% QoQ	+1.11%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 6.6% in tier
Efficiency Ratio ?	45.62% -6.5% YoY +1.0% QoQ	-19.66%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 9.6% in tier
Delinquency Rate ?	0.12% +7.1% YoY +8.2% QoQ	-0.77%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	99.46% +1.0% YoY +1.5% QoQ	+22.82%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 9.1% in tier
Non-Interest-Bearing Deposit Share ?	23.35% +10.6% YoY +7.9% QoQ	+1.33%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	60%
Nonperforming Asset Ratio ?	0.10% +12.3% YoY +8.8% QoQ	-0.54%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	11.72% +6.1% YoY -0.5% QoQ	-4.11%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.07% +14.9% YoY -73.7% QoQ	-0.21%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	33%

Get Full Access to Pony Express Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#152 of 666 • Top 22.7% in tier

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

Why this signature

Return on Assets: 2.81%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk

#11 of 973 • Bottom 1.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#77 of 1308 • Bottom 5.8% in tier

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

Why this signature

Delinquency Rate: 0.12%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#219 of 643 • Bottom 33.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.46%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 2.81%

Peer Median: 1.27%

#78 of 2664 Top 2.9% in $100M-$1B

177

Net Interest Margin

profitability

Value: 5.04%

Peer Median: 3.93%

#177 of 2664 Top 6.6% in $100M-$1B

256

Efficiency Ratio

profitability

Value: 45.62%

Peer Median: 65.29%

#256 of 2664 Top 9.6% in $100M-$1B

Top Weaknesses (1 metrics)

2422

Loan-to-Deposit Ratio

liquidity

Value: 99.46%

Peer Median: 76.64%

#2422 of 2664 Bottom 9.1% in $100M-$1B