Side-by-side · Q2 2026 data
Pony Express Bank vs Bank 21
Metric by metric
| Measure | Pony Express Bank | Bank 21 |
|---|---|---|
| TellerScore | 76 | 79 (stronger) |
| Capital cushion | 52 | 65 (stronger) |
| Loan quality | 94 | 98 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 48 (stronger) | 37 |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 64th | 75th |
| Total assets | $399.5M | $202.1M |
| Deposits / shares | $342.8M | $164.7M |
| Capital ratio | 10.15% | 11.51% (stronger) |
| Problem loans | 0.17% | 0.05% (stronger) |
| Net charge-offs | -0.00% | -0.04% (stronger) |
| Return on assets | 2.83% (stronger) | 2.72% |
| Loans ÷ deposits | 88.2% (stronger) | 109.6% |
| Uninsured deposits | 36.8% | 27.1% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | — |
Bank 21 has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Pony Express Bank leads on 2 and Bank 21 on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.