# PONY EXPRESS BANK
BRAYMER, MO · FDIC certificate 4526 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $399.5M | |
| Deposits | $342.8M | |
| Loans and leases | $306.0M | |
| Total equity | $40.1M | |
| Loans / deposits | 88.19% (p67 of band) | 82.04% |
| Liquid assets / assets | 22.05% (p40 of band) | |
| Uninsured deposits / deposits | 36.80% (p82 of band) | 25.97% |
| Brokered deposits | 8.57% | |
| Wholesale funding | 12.32% (p83 of band) | |
| FHLB advances / assets | 3.75% | |
| Tier 1 leverage | 10.15% (p38 of band) | 10.81% |
| Unrealized securities loss / equity | -5.36% (p61 of band) | -8.10% |
| AOCI / equity | 0.37% (p90 of band) | |
| ROA (annualized) | 2.83% (p97 of band) | 1.28% |
| Net interest margin | 4.98% (p93 of band) | 3.91% |
| Efficiency ratio | 44.49% (p9 of band) | |
| Noncurrent loans | 0.17% (p30 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 741.26% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 130.50% (p95 of band) | |
| Auto loans | $747,000 (0.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.3% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2012-03 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 3 | construction >100% equity |  |
| 2017-03 | 1 |  | charge-offs p90, capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 2 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | construction >100% equity, uninsured deposits leaving |
| 2020-06 | 1 | construction >100% equity |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | brokered >10%, wholesale funding >15% |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 6 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 4 |  | capital falling, securities losses >30% of equity |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | deposits shrinking |
| 2024-03 | 2 |  | brokered >10% |
| 2024-06 | 4 | brokered >10%, capital falling |  |
| 2024-09 | 3 |  | capital falling |
| 2024-12 | 2 |  | wholesale funding >15% |
| 2025-03 | 5 | wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving | brokered >10% |
| 2025-06 | 4 | loans exceed deposits, capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-09 | 4 | brokered >10% | capital falling |
| 2025-12 | 3 |  | loans exceed deposits |
| 2026-03 | 2 |  | brokered >10% |
| 2026-06 | 1 |  | wholesale funding >15% |

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

- 2022-05-26 [Growing quickly, Pony Express Bank prepares next generation for leadership - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQTVFDVGpVRDFQZmVqQkNpODRPWEFfazRkOHZIT0RkNnpzcVV1RW1IYkI4Y1dLU0gtYzR6ZjBFNVJPenVCSlhGU2Y3cFFHeWJjdlNaQi1vNXFVNzF3aFBDN2pLR0lHNkN5V0pocDA0anhSSDQyT0otcDE0R1ZnS1IyQkRYS2xsbDItQmZXenFZdWJXaG1MQldld3pIY3kxSUpxa2c?oc=5) · The Business Journals
- 2025-10-11 [Steve Spencer Obituary Oct 11, 2025 - Park Lawn Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9zbGIta29oSHVHaC1wMWR4Zlc4NTBVQ1JaUThfd2ptMWRIbDdqWUpnV09URWJEOTRwR0E4bDN5VUhTaHRaSjFycGpYdUNkNXlEajFGRF9ucElCS2NWMC14SFNmMFZiYzFi?oc=5) · Park Lawn Funeral Homes
- 2025-04-02 [These are the Kansas City area's five strongest midsize banks - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOZkJNb2VMd09oS1lsWDBwcFhiTmRaR2dVXzRwMkhiZTFhWkRidFdkd0pKX29VN2FFeGdkcVFLQW0wZ0I4T0JsNEZSLU1Wa0xVVTNQcWdJNFhxbFJlWjdLd2pTMzBEZi0tR0FjQzlBUXpLb0dXWGg2R0RXTkxqMXBfOEVMclFjVXF3empSWDVXNmIzamlfMkhaYnd2di1UNkg4ZEE?oc=5) · The Business Journals
- 2017-12-27 [Hundreds mourn Kearney women killed in icy crash - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMikgFBVV95cUxNdjZSWGlHR1NBM0VFUUZxd1A3aUg3dFQza2x4U2pFXzZmSmxmdGVqSmMxa3dVU19tb25aZXVPMGxNbGlSVTkwSG04T1JxZExFblBQZnlFMjM2NzdDZExxX1FQVHNkN2paSmQzUVU0MjFxT0dmcEp2Z1VCZGI2bi1ISGRxa1ZnenkxTnA2cG83S1lFQQ?oc=5) · KSHB 41 Kansas City
- 2024-01-03 [Helen Bechtel Obituary - Liberty, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPZ211X0UxOUJMVlprcmsyZGZxcTJ3SFFDamVSOVBBNWNfZjBRVmJTeThFQ1ozM0tOY3QyUUFyR3huUzRRd2Z6RTNFcGpBekVPSkZwbUpwVXlhR1RkaXpvRkxzY1ZOLTJSSVcxRXlNM3ZPVm9aMWkyV05QMDRRNHc1eUN3?oc=5) · Dignity Memorial
- 2015-01-27 [PARKER STULTS Obituary (2015) - Liberty, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNbWxWVXc5TlRLcFNiVVdfb3otT2pucnFfQ0VmMGYxeFNpYU94WXNsSExyNkcwekljVzlLaU0td3NrYlpXUC1rQzF4dWR2WlRrblg4RTlXN1JYQTdHN2ZVdk1rUXZ5dGxtc0ZkeHE4VWZhdElDWDlveUpBQ19QOGRJSVhiVXlPSHZILWpnaHBGcw?oc=5) · legacy.com
- 2018-09-25 [Addisen Renee Snyder Obituary Sep 25, 2018 - Park Lawn Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTE9ZMHBEY0xEQmFXRllXajVYNW96NTJEcWFwTTdNX0xpcUNfejRqMGtuenJJWVY1WEpUdk01Z0pGRFl2c0dUQzVWWVhIVmFCMzZBLVFBaEh2MzJwc19ObmlzVC10TXU0Y2VfbEVKM19rbGg2dw?oc=5) · Park Lawn Funeral Homes
- 2023-04-08 [Jane Azure Obituary (2023) - Liberty, MO - Hidden Valley Funeral Home of Excelsior Springs - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1naUNFNDdha0VtM214Q2FUcDFKOEZJZVUwUVg1WHVEcS12bWcxdGVqazNOYmRrUGhOWURWYUh4MGtTYU5NQU5udjRGVEg4NDMzWHFJWHpfZEx3Y0l5N2FsOU9mQXlyMW1FSXdaN0k1clMzZy14VkppcjlBdDg3UQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4526 (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/46.json (key "4526", 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