BlastPoint's Banking Scorecard
Malvern Bank
Malvern, IA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +7.7% year over year ($217.7M on the books).
- Delinquency rate 0.37%.
- Return on assets 1.45%.
- Efficiency ratio 59.31% vs a 64.48% peer average.
- Loan-to-deposit ratio 98.87% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Malvern Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.13% above tier average
- + Efficiency Ratio 5.17% below tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 12.40% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$253.2M
+12.9% YoY
+0.4% QoQ
|
-$133.4M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$215.3M
+12.7% YoY
+0.0% QoQ
|
-$43.1M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$217.7M
+7.7% YoY
-1.1% QoQ
|
-$109.0M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
1.45%
+7.4% YoY
-1.7% QoQ
|
+0.13% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
63% |
| Net Interest Margin ? |
3.94%
+1.3% YoY
-0.3% QoQ
|
-0.04% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
50% |
| Efficiency Ratio ? |
59.31%
-3.9% YoY
+1.1% QoQ
|
-5.17% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
59% |
| Delinquency Rate ? |
0.37%
-41.2% YoY
+303.3% QoQ
|
-0.54% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
98.87%
+4.6% YoY
+1.1% QoQ
|
+20.91% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 11.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.63%
-11.3% YoY
-3.2% QoQ
|
-12.40% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 9.7% in tier |
| Nonperforming Asset Ratio ? |
0.32%
-41.3% YoY
+302.0% QoQ
|
-0.35% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
10.56%
-5.8% YoY
+0.2% QoQ
|
-5.35% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.14%
+1.3% YoY
+102.1% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
30% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
9.6%
-1.2pp YoY -0.3pp QoQ |
-12.5pp | 22.1% | 17.8% | 22.2% | 9% |
| Brokered Deposits |
8.1%
+3.4pp YoY -2.1pp QoQ |
+0.2pp | 7.9% | 6.0% | 8.5% | 69% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
26.6%
+2.4pp YoY -0.9pp QoQ |
+15.0pp | 11.6% | 12.8% | 12.5% | 95% |
| CRE |
18.2%
+1.0pp YoY +0.6pp QoQ |
-21.4pp | 39.5% | 28.3% | 41.4% | 15% |
| 1-4 Family |
21.8%
-0.4pp YoY +1.0pp QoQ |
-10.8pp | 32.6% | 23.0% | 31.3% | 34% |
| Consumer |
17.0%
-1.5pp YoY -0.4pp QoQ |
+12.9pp | 4.1% | 2.9% | 5.0% | 97% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.6%
-0.7pp YoY 0.0pp QoQ |
-8.3pp | 18.8% | 15.4% | 19.7% | 5% |
| Leverage Ratio |
8.9%
-0.4pp YoY -0.3pp QoQ |
-3.3pp | 12.2% | 12.4% | 12.6% | 11% |
| Total Capital Ratio |
11.6%
-0.7pp YoY 0.0pp QoQ |
-8.3pp | 19.9% | 16.5% | 20.8% | 5% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
+1 (+4.5%) YoY +1 (+4.5%) QoQ |
-36 | 58 | 64 | 482 | 15% |
| Assets per Employee ($) |
$11.0M
+8.0% YoY -4.0% QoQ |
+$3.5M | $7.5M | $8.9M | $8.8M | 90% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.6pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 12% |
| Nonaccrual |
0.4%
+0.3pp YoY +0.3pp QoQ |
-0.6pp | 0.9% | 1.0% | 1.0% | 44% |
| Allowance Coverage |
2.71x
+59.6% YoY -75.2% QoQ |
-21.45x | 24.15x | 18.97x | 20.23x | 56% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 76% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.6%
+1.7pp YoY -0.3pp QoQ |
+4.4pp | 12.2% | 12.8% | 11.6% | 75% |
| Cost of Funds (YTD) |
2.7%
-0.2pp YoY +0.1pp QoQ |
+1.0pp | 1.7% | 1.8% | 1.7% | 93% |
| Net Income ($, YTD) |
$1.8M
+18.2% YoY — QoQ |
-$747K | $2.6M | $4.0M | $40.4M | 48% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.