🏦Bank Scorer

PONY EXPRESS BANK

BRAYMER, MO · Supervised by FDIC

Est. 1890FDIC #4,526RSSD: FDIC-4526
Part ofPAGE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.81%

Institution Profile

FDIC BankFind

Address

213 N Main St, BRAYMER, MO

County

Caldwell County

Established

October 2, 1890

Total Assets

$377M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$377M

Total Deposits

$313M

Net Loans

$312M

Net Income

$3M

ROA

2.81%

ROE

27.28%

Risk-Based Capital

12.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.64%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$308M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246186.89%1.64%
20235292.31%1.92%
20227188.73%5.63%
20196095%1.67%
20184593.33%2.22%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/d16aa535-1cf5-406f-99c7-c253880b6055"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: