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This institution is no longer active

Operations ceased on November 9, 2019. CRA examination history below reflects the period it was active.

PONY EXPRESS COMMUNITY BANK

SAINT JOSEPH, MO · Supervised by FDIC

Est. 1975FDIC #22,185RSSD: FDIC-22185
Part ofPONY EXPRESS BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2015

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.56%

Institution Profile

FDIC BankFind

Address

3702 Faraon Street, SAINT JOSEPH, MO

County

Buchanan County

Established

December 23, 1975

Total Assets

$74M(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

March 1, 2015

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2019Call Report / FDIC

Total Assets

$74M

Total Deposits

$66M

Net Loans

$47M

Net Income

$865K

ROA

1.56%

ROE

14.52%

Risk-Based Capital

16.92%

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 Rate9.38%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20183278.13%9.38%

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

6 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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