| Metric | Pony Express Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +11.3% | +4.0% | +7.3 pts |
| Loan growth (YoY) | -1.9% | +5.6% | -7.5 pts |
| ROA | 2.83% | 1.24% | +1.6 pts |
| ROE | 27.7% | 11.9% | +15.9 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $399.5M | $342.8M | $302.3M | $40.1M | $5.4M | 2.83% | 4.98% | 0.13% |
| Q1 2026 | $376.9M | $313.5M | $311.8M | $39.1M | $2.6M | 2.81% | 5.04% | 0.10% |
| Q4 2025 | $376.1M | $315.6M | $309.3M | $38.5M | $9.9M | 2.59% | 4.99% | 0.09% |
| Q3 2025 | $384.2M | $298.3M | $299.3M | $37.6M | $7.8M | 2.74% | 4.94% | 0.09% |
| Q2 2025 | $386.5M | $308.0M | $308.1M | $36.1M | $5.0M | 2.63% | 4.87% | 0.09% |
| Q1 2025 | $388.2M | $311.1M | $306.2M | $35.2M | $2.4M | 2.53% | 4.81% | 0.09% |
| Q4 2024 | $368.1M | $321.8M | $296.7M | $34.4M | $8.7M | 2.27% | 4.50% | 0.00% |
| Q3 2024 | $366.3M | $307.6M | $286.9M | $35.0M | $7.0M | 2.39% | 4.41% | 0.01% |
Loan mix (Q2 2026): real estate $248.5M · commercial $40.4M · consumer $2.0M · securities $42.0M
| Ratio | Pony Express Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.83% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 27.7% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.5% | 62.9% | 8th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Pony Express Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Pony Express Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Pony Express Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Pony Express Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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