BlastPoint's Banking Scorecard
Malvern Bank
Malvern, IA
Malvern Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.21% above tier average
- + Efficiency Ratio 6.62% below tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 54.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$252.3M
+12.4% YoY
+4.2% QoQ
|
-$133.8M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$215.2M
+13.5% YoY
+5.6% QoQ
|
-$40.5M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$220.1M
+8.4% YoY
+11.3% QoQ
|
-$107.8M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
39% |
| Return on Assets ? |
1.48%
+10.1% YoY
+9.9% QoQ
|
+0.21% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
3.95%
+5.0% YoY
+1.1% QoQ
|
+0.02% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
58.67%
-4.6% YoY
-5.0% QoQ
|
-6.62% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
0.09%
-50.1% YoY
-77.2% QoQ
|
-0.79% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
97.75%
+4.7% YoY
-5.1% QoQ
|
+21.11% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.95%
-18.9% YoY
+2.6% QoQ
|
-12.07% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.7% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-49.6% YoY
-86.0% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
10.54%
-5.4% YoY
-0.3% QoQ
|
-5.29% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.07%
-18.5% YoY
-76.1% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
31% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.