Pony Express Bank
Braymer, MO
IDRSSD: 953843
Total Assets
$376.07M
Latest filing
Total Deposits
$315.62M
Latest filing
Net Interest Margin
5.11%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
101905004LIBERTY, MO
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Pony Express Bank
213 N Main St
Braymer, MO 64624
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/02/1890FDIC Certificate 2992
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Pony Express Bank (Main) | 213 N Main St | Braymer, MO |
| LIBERTY BRANCH | 215 N 291 Hwy | Liberty, MO |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/02/1890 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 64624 |
| State and County Number | 29025 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Kansas City, MO-KS |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.ponyexpressbank.com |
| Data Updated | 01/30/2026 |
| CERT | 4526 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $376.07M |
| Total Deposits | $315.62M |
| Total Liabilities | $337.58M |
| Total Equity Capital | $38.48M |
| Net Income | $2.04M |
| Net Loans and Leases | $309.35M |
| Assets Per Employee ($Millions) | $10.16M |
| Bank Premises and Fixed Assets | $1.82M |
| Cash and Balances due from Depository Institutions | $13.17M |
| Deposits Held in Domestic Offices | $315.62M |
Key Performance Ratios
| Return on Assets (ROA) | 2.14% |
| Return on Equity (ROE) | 21.41% |
| Net Interest Margin | 5.11% |
| Efficiency Ratio | 47.07% |
| Tier 1 Risk-Based Capital Ratio | 11.774% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.233% |
| Earning Assets to total Assets | 96.91% |
Income and Expense
| Total Interest Income | $6.28M |
| Total Noninterest Income | $264.00k |
| Total Interest Expense | $1.57M |
| Total Noninterest Expense | $2.34M |
| Net Interest Income | $4.71M |
| Pre-tax Net Operating Income | $2.53M |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $310.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.96M |
| Total Liabilities and Capital | $376.07M |
Securities
| Securities | $43.95M |
| Available-for-sale debt securities | $43.95M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Pony Express Bank?
$376.07M as of the latest filing.
How much are Pony Express Bank's total deposits?
$315.62M in total deposits.
Where is Pony Express Bank located?
Braymer, MO.
What is the Net Interest Margin?
5.11%.
How many domestic offices does it operate?
2.
When was it established?
10/02/1890.
What is the Return on Assets (ROA)?
2.14%.
How much are total loans and leases?
$309.35M (latest filing).
What is the total interest income (latest filing)?
$6.28M.