Side-by-side · Q2 2026 data
Pony Express Bank vs Investors Community Bank
Metric by metric
| Measure | Pony Express Bank | Investors Community Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 68 |
| Capital cushion | 52 | 61 (stronger) |
| Loan quality | 94 (stronger) | 79 |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 48 | 72 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 64th | 33rd |
| Total assets | $399.5M | $98.5M |
| Deposits / shares | $342.8M | $87.1M |
| Capital ratio | 10.15% | 11.13% (stronger) |
| Problem loans | 0.17% (stronger) | 0.62% |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 2.83% (stronger) | 0.73% |
| Loans ÷ deposits | 88.2% | 58.5% (stronger) |
| Uninsured deposits | 36.8% (stronger) | 40.5% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | — |
Pony Express Bank has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Pony Express Bank leads on 5 and Investors Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.