Bank · FDIC insured
Pony Express Bank
A $399.5M bank headquartered in Braymer, MO, with 2 branches in Missouri. Best rates: CDs 4.10% and savings 0.25% APY.
Pony Express Bank Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#37 of 79 in Kansas City, MO-KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Pony Express Bank
Founded in 1890 as Farmers and Traders Bank of Braymer, Pony Express Bank is headquartered in Liberty, Missouri.
After operating as First National Bank of Braymer from 1904, the bank adopted its current name in 1993 and was acquired by the Page family in 2003.
The independent, family-owned bank provides commercial lending and community banking services across the Kansas City Northland and northwest Missouri.
- Headquarters
- 213 N Main St, Braymer, MO 64624
- FDIC certificate
- 4526 ↗
Branches
2 branches in Missouri
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Missouri
2 branches
- Pony Express BankMain office213 N Main St, Braymer, MO 64624Directions
- Liberty Branch215 N 291 Hwy, Liberty, MO 64068Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.15% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.17% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.83% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $89 | $81 | — |
- CapitalLeverage ratio10.15%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.17%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.83%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$89Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Pony Express Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.