The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods.
The mission of Pony Express Bank is to remain a financially strong family-owned Bank committed to serving our communities, maintaining superior relationships with our customers, offering innovative products and services while providing a rewarding work environment for our employees.
The information is current as of April 1 of each year and may be updated periodically. Details are provided through the links below.
Questions or comments about this information or regarding our CRA performance in helping to meet community credit needs may be addressed to:
Doreen Scarborough
CRA Officer
215 N 291 Highway
Liberty, MO 64068
816-781-9200
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CRA Performance Evaluation
List of Services
Loan to Deposit Ratios
CRA Branch Listing
Facility-Based Assessment Area Maps
The assessment areas delineated by Pony Express Bank represent the communities served. Click on the links provided to find a list of all census tracts in the Bank’s two assessment areas and maps for each.
Braymer, Missouri Census Tract
Liberty, Missouri Census Tract
Open and Closed Branches
Public Comments and Responses
There have been no public comments received for Community Reinvestment Act (CRA).
HMDA Disclosures
The Home Mortgage Disclosure Act (HDMA) data about our residential mortgage lending are available online for review. The data show the geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (ffiec.cfpb.gov/data-publication/disclosure-reports)
HMDA disclosure statements for the prior two years may be obtained from the CFPB's website at: http://www.consumerfinance.gov/hmda.
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