# PONY EXPRESS COMMUNITY BANK
SAINT JOSEPH, MO · FDIC certificate 22185 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $74.2M | |
| Deposits | $65.8M | |
| Loans and leases | $47.9M | |
| Total equity | $8.1M | |
| Loans / deposits | 71.80% (p40 of band) | 77.79% |
| Liquid assets / assets | 33.99% (p60 of band) | |
| Uninsured deposits / deposits | 16.61% (p53 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.90% (p40 of band) | 11.56% |
| Unrealized securities loss / equity | 1.04% (p56 of band) | 0.80% |
| AOCI / equity | 3.79% (p66 of band) | |
| ROA (annualized) | 1.56% (p79 of band) | 1.05% |
| Net interest margin | 3.84% (p50 of band) | 3.84% |
| Efficiency ratio | 62.29% (p32 of band) | |
| Noncurrent loans | 0.08% (p24 of band) | 0.56% |
| Net charge-offs (annualized) | -0.11% (p3 of band) | |
| Reserve coverage of noncurrent | 1727.03% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 6.72% (p33 of band) | |
| Auto loans | $768,000 (1.60% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 18 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 5 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-09 | 1 |  | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2016-03 | 4 |  | uninsured deposits leaving |
| 2016-06 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2016-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2016-12 | 3 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 3 | charge-offs p90 |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 0 |  | noncurrent p90, reserve under noncurrent, charge-offs p90 |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-05-03 [Obituary information for Nicholas Mark "Nick" Harding - Meierhoffer Funeral Home](https://news.google.com/rss/articles/CBMihAFBVV95cUxOZHpCbnBFRk44aGtaOFlGbzhPbFNIMk0tVERlTlczelJMVDFxSWJsc2pESkVuSC1lR1lmTEVzY1FtbURReUZoZGxVZWt1bi02a0VSQXZ4RURyRFRUV3hRelVXUktENE5xOTdpVEJFUXg3NzdnVmI0UVViWGpxZXQ1QWwzb0U?oc=5) · Meierhoffer Funeral Home
- 2024-07-19 [Deeds of trust for July 19 - News-Press NOW](https://news.google.com/rss/articles/CBMixwFBVV95cUxNRjZZNDN2c0dtR1FOWldFcFB6ejV2SnRJLUNYT2QtUU9aajB5LWRJMFVRdHdOVWtiMDdYNVdBT3JZTVp4eWZxOEtxMHpQLXJqQnBWcE9xZzZnOE1PeVNIZlVvc01uMmNIbE91RFJvb0txMjdrMnUyc1NWR3l6cUFYbUNENFV1eE5RVmtKYzFmamJtTGo1VjFEY0pqUy1vLXZrQ3JtaWMxRERNNzJhOWNoRkl3SldKVFIzX2VIeHBDVmJaN1M3Njln?oc=5) · News-Press NOW
- 2003-07-07 [Joann Means Obituary (2003) - HIAWATHA, KS - Topeka Capital-Journal - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOQ094SEJ6ODZPelQzb2pzTUpPdXpkREJoMnVESTlxUEJJenJwSkVPTE1NV0xaYWlBTDMyM01MZUgxbU1zY2JlTHNYV2RSbzZxcFh2SnFLSU9UR2JHc3NYSWVINFBXYVlSOVduWE5qaU4zbDNSQTVpUlNjX01ldXhQeXNwSFl1SzhOcU1F?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22185 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "22185", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide