Pony Express Bank
Braymer, MO
IDRSSD: 953843
Total Assets
$384.24M
Latest filing
Total Deposits
$298.31M
Latest filing
Net Interest Margin
5.05%
Profitability
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 11/14/2025Established 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 | 31 |
| 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 | 11/14/2025 |
| CERT | 4526 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $384.24M |
| Total Deposits | $298.31M |
| Total Liabilities | $346.59M |
| Total Equity Capital | $37.65M |
| Net Income | $2.81M |
| Net Loans and Leases | $299.28M |
| Assets Per Employee ($Millions) | $11.64M |
| Bank Premises and Fixed Assets | $1.83M |
| Cash and Balances due from Depository Institutions | $27.97M |
| Deposits Held in Domestic Offices | $298.31M |
Key Performance Ratios
| Return on Assets (ROA) | 2.92% |
| Return on Equity (ROE) | 30.53% |
| Net Interest Margin | 5.05% |
| Efficiency Ratio | 43.46% |
| Tier 1 Risk-Based Capital Ratio | 12.23% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.798% |
| Earning Assets to total Assets | 96.78% |
Income and Expense
| Total Interest Income | $6.43M |
| Total Noninterest Income | $260.00k |
| Total Interest Expense | $1.72M |
| Total Noninterest Expense | $2.16M |
| Net Interest Income | $4.71M |
| Pre-tax Net Operating Income | $2.81M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $46.20M |
| Federal Funds Sold & Reverse Repurchase Agreement | $605.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.08M |
| Total Liabilities and Capital | $384.24M |
Securities
| Securities | $45.97M |
| Available-for-sale debt securities | $45.97M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$384.24M as of the latest filing.
How much are Pony Express Bank's total deposits?
$298.31M in total deposits.
Where is Pony Express Bank located?
Braymer, MO.
What is the Net Interest Margin?
5.05%.
How many domestic offices does it operate?
2.
When was it established?
10/02/1890.
What is the Return on Assets (ROA)?
2.92%.
How much are total loans and leases?
$299.28M (latest filing).
What is the total interest income (latest filing)?
$6.43M.