The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (74 → 76), mostly because the capital cushion component improved by 7 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Missouri

Yes. Pony Express Bank is an FDIC-insured institution (FDIC certificate #4526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.8% of deposits ($126.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.35% (benchmark: 10%).

Check how much of your own balance is covered

Pony Express Bank lists 2 offices in 2 cities. Most locations:

• Braymer, MO (1)
• Liberty, MO (1)

All branch addresses and map

In 2025, Pony Express Bank reported 63 home-loan applications under HMDA (LEI 549300MUCXO2NIUSBW51): 54 originated ($29,450,000 total), 4 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Pony Express Bank

Former names

The First National Bank of Braymer; The Braymer Bank

Type

State-chartered bank

FDIC certificate #

4526

RSSD ID

953843

Primary regulator

FDIC

Holding company

Page Bancshares Inc

Established

October 2, 1890

Headquarters

213 N Main St, Braymer, MO 64624

Website

www.ponyexpressbank.com

Employees

34