BlastPoint's Banking Scorecard
Pony Express Bank
Micro
Specialty: Commercial
MO
FDIC cert 4526
Designations: ✓ Community bank
Braymer, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Pony Express Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.51% above tier
- + Net Interest Margin 1.14% above tier
- + Efficiency Ratio 22.54% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$376.1M
+2.2% YoY
-2.1% QoQ
|
+$158.6M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$309.3M
+4.3% YoY
+3.4% QoQ
|
+$170.2M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$315.6M
-1.9% YoY
+5.8% QoQ
|
+$132.0M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
2.59%
+14.4% YoY
-5.2% QoQ
|
+1.51% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.99%
+10.9% YoY
+1.0% QoQ
|
+1.14% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
45.18%
-1.6% YoY
+1.5% QoQ
|
-22.54% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.11%
-3.3% QoQ
|
-0.53% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
98.01%
+6.3% YoY
-2.3% QoQ
|
+23.48% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.65%
-1.1% YoY
-9.0% QoQ
|
-0.74% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.09%
+2.2% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
11.77%
+1.0% YoY
-3.7% QoQ
|
+2.92% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.27%
-2.6% YoY
+37.9% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.59%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 10%
in Micro
Why this stands out
Current:
4.99%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.18%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Return on Assets
Current: 2.59% · Tier avg: 1.08%
95
95th pctile
Efficiency Ratio
Current: 45.18% · Tier avg: 67.73%
94
94th pctile
Total Loans
Current: $309.3M · Tier avg: $139.2M
90
90th pctile
Net Interest Margin
Current: 4.99% · Tier avg: 3.85%
89
89th pctile
Loan-to-Deposit Ratio
Current: 98.01% · Tier avg: 74.53%
85
85th pctile
Total Assets
Current: $376.1M · Tier avg: $217.5M
84
84th pctile
Total Deposits
Current: $315.6M · Tier avg: $183.7M
70
70th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.77% · Tier avg: 8.85%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.65% · Tier avg: 22.39%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
Top Weaknesses
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.65% · Tier avg: 22.39%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.77% · Tier avg: 8.85%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
70
70th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
84
84th pctile
Total Deposits
Current: $315.6M · Tier avg: $183.7M
85
85th pctile
Total Assets
Current: $376.1M · Tier avg: $217.5M
89
89th pctile
Loan-to-Deposit Ratio
Current: 98.01% · Tier avg: 74.53%
90
90th pctile
Net Interest Margin
Current: 4.99% · Tier avg: 3.85%
94
94th pctile
Total Loans
Current: $309.3M · Tier avg: $139.2M
95
95th pctile
Efficiency Ratio
Current: 45.18% · Tier avg: 67.73%
97
97th pctile
Return on Assets
Current: 2.59% · Tier avg: 1.08%