Side-by-side · Q2 2026 data
Pony Express Bank vs Heritage Bank of the Ozarks
Metric by metric
| Measure | Pony Express Bank | Heritage Bank of the Ozarks |
|---|---|---|
| TellerScore | 76 (stronger) | 45 |
| Capital cushion | 52 (stronger) | 46 |
| Loan quality | 94 (stronger) | 9 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 48 | 65 (stronger) |
| Problem-loan coverage | 98 (stronger) | 55 |
| Peer percentile | 64th | 4th |
| Total assets | $399.5M | $424.0M |
| Deposits / shares | $342.8M | $376.9M |
| Capital ratio | 10.15% (stronger) | 9.64% |
| Problem loans | 0.17% (stronger) | 2.74% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 2.83% (stronger) | 1.18% |
| Loans ÷ deposits | 88.2% | 86.1% (stronger) |
| Uninsured deposits | 36.8% | 23.3% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | — |
Pony Express Bank has the higher TellerScore (76 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Pony Express Bank leads on 5 and Heritage Bank of the Ozarks on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.