Side-by-side · Q2 2026 data
Pony Express Bank vs Southern Bank
Metric by metric
| Measure | Pony Express Bank | Southern Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 70 |
| Capital cushion | 52 | 54 (stronger) |
| Loan quality | 94 (stronger) | 79 |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 48 | 58 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 64th | 58th |
| Total assets | $399.5M | $5.2B |
| Deposits / shares | $342.8M | $4.4B |
| Capital ratio | 10.15% | 10.45% (stronger) |
| Problem loans | 0.17% (stronger) | 0.63% |
| Net charge-offs | -0.00% (stronger) | 0.22% |
| Return on assets | 2.83% (stronger) | 1.53% |
| Loans ÷ deposits | 88.2% (stronger) | 98.1% |
| Uninsured deposits | 36.8% | 18.9% (stronger) |
| Offices | 2 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | 5.8% |
Pony Express Bank has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Pony Express Bank leads on 5 and Southern Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.