Side-by-side · Q2 2026 data
Pony Express Bank vs Goppert Financial Bank
Metric by metric
| Measure | Pony Express Bank | Goppert Financial Bank |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 52 (stronger) | 51 |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 100 (stronger) | 72 |
| Funding & liquidity | 48 | 78 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 64th | 64th |
| Total assets | $399.5M | $312.0M |
| Deposits / shares | $342.8M | $269.3M |
| Capital ratio | 10.15% (stronger) | 10.07% |
| Problem loans | 0.17% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.83% (stronger) | 1.30% |
| Loans ÷ deposits | 88.2% | 74.5% (stronger) |
| Uninsured deposits | 36.8% | 22.3% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Pony Express Bank leads on 3 and Goppert Financial Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.