Side-by-side · Q2 2026 data
Pony Express Bank vs Bank of Franklin County
Metric by metric
| Measure | Pony Express Bank | Bank of Franklin County |
|---|---|---|
| TellerScore | 76 (stronger) | 65 |
| Capital cushion | 52 (stronger) | 45 |
| Loan quality | 94 (stronger) | 91 |
| Earnings | 100 (stronger) | 50 |
| Funding & liquidity | 48 | 65 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 64th | 29th |
| Total assets | $399.5M | $419.4M |
| Deposits / shares | $342.8M | $357.5M |
| Capital ratio | 10.15% (stronger) | 9.53% |
| Problem loans | 0.17% (stronger) | 0.27% |
| Net charge-offs | -0.00% (stronger) | 0.21% |
| Return on assets | 2.83% (stronger) | 0.74% |
| Loans ÷ deposits | 88.2% (stronger) | 95.6% |
| Uninsured deposits | 36.8% | 11.9% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | 11.0% |
Pony Express Bank has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Pony Express Bank leads on 6 and Bank of Franklin County on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.