Side-by-side · Q2 2026 data
Pony Express Bank vs Central Bank of Kansas City
Metric by metric
| Measure | Pony Express Bank | Central Bank of Kansas City |
|---|---|---|
| TellerScore | 76 | 82 (stronger) |
| Capital cushion | 52 | 69 (stronger) |
| Loan quality | 94 | 96 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 48 | 53 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 64th | 82nd |
| Total assets | $399.5M | $410.2M |
| Deposits / shares | $342.8M | $336.6M |
| Capital ratio | 10.15% | 11.95% (stronger) |
| Problem loans | 0.17% | 0.13% (stronger) |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 2.83% | 2.94% (stronger) |
| Loans ÷ deposits | 88.2% (stronger) | 94.9% |
| Uninsured deposits | 36.8% | 26.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | — |
Central Bank of Kansas City has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Pony Express Bank leads on 1 and Central Bank of Kansas City on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.