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The Malvern National Bank

$100M-$1B Specialty: Commercial AR FDIC cert 14644

Malvern, AR

15 branches across AR

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 49 in AR.
  • Deposits +6.9% year over year ($655.4M on the books).
  • Delinquency rate 0.10%.
  • Return on assets 1.02%.
  • Efficiency ratio 68.84% vs a 64.48% peer average.
  • Loan-to-deposit ratio 59.55% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in AR
View $100M-$1B leaderboard (AR) →

The Malvern National Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 2.6% in tier
  • - Credit Quality Pressure: Bottom 6.5% in tier
  • - ROA 0.30% below tier average
  • - Net Interest Margin 0.71% below tier average
  • - Efficiency Ratio 4.36% above tier average
Get updates when The Malvern National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $728.4M
+6.3% YoY +0.8% QoQ
+$341.8M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
Top 11.4% in tier
Total Loans ? $390.3M
+2.8% YoY +1.6% QoQ
+$132.0M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
78%
Total Deposits ? $655.4M
+6.9% YoY +0.5% QoQ
+$328.6M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
Top 9.2% in tier
Return on Assets ? 1.02%
+13.5% YoY +2.1% QoQ
-0.30% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 3.28%
+5.2% YoY +2.4% QoQ
-0.71% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
19%
Efficiency Ratio ? 68.84%
-5.3% YoY -0.4% QoQ
+4.36% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.10%
+12.5% YoY -9.8% QoQ
-0.82% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
75%
Loan-to-Deposit Ratio ? 59.55%
-3.8% YoY +1.1% QoQ
-18.40% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 14.19%
-1.1% YoY +5.6% QoQ
-7.84% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
21%
Nonperforming Asset Ratio ? 0.28%
-4.8% YoY -2.4% QoQ
-0.39% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 14.55%
+5.7% YoY +0.9% QoQ
-1.36% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.18%
-6.9% YoY +90.9% QoQ
-0.38% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
45%

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 (AR) National Avg Tier Percentile
Noninterest-Bearing 14.2%
-0.2pp YoY
+0.8pp QoQ
 -8.0pp 22.1% 19.6% 22.2% 21%
Brokered Deposits 2.9%
-0.8pp YoY
-4.1pp QoQ
 -4.9pp 7.9% 7.2% 8.5% 38%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 16.3%
+0.5pp YoY
-0.1pp QoQ
 +4.7pp 11.6% 12.7% 12.5% 80%
CRE 55.6%
-1.3pp YoY
-0.1pp QoQ
 +16.0pp 39.5% 41.0% 41.4% 79%
1-4 Family 27.0%
+2.3pp YoY
+0.4pp QoQ
 -5.6pp 32.6% 28.1% 31.3% 45%
Consumer 0.8%
-0.1pp YoY
0.0pp QoQ
 -3.3pp 4.1% 4.5% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 14.6%
+0.8pp YoY
+0.1pp QoQ
 -4.3pp 18.8% 15.1% 19.7% 45%
Leverage Ratio 9.4%
-0.1pp YoY
0.0pp QoQ
 -2.7pp 12.2% 11.9% 12.6% 20%
Total Capital Ratio 15.8%
+0.8pp YoY
+0.1pp QoQ
 -4.1pp 19.9% 16.3% 20.8% 46%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 125
+3 (+2.5%) YoY
+4 (+3.3%) QoQ
 +66 58 315 482 94%
Assets per Employee ($) $5.8M
+3.8% YoY
-2.5% QoQ
 -$1.7M $7.5M $6.7M $8.8M 30%
Branch Count 15
0 YoY
0 QoQ
 +10 4 25 18 98%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.5%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.9% 1.1% 1.0% 54%
Allowance Coverage 21.53x
-8.5% YoY
+11.0% QoQ
 -2.62x 24.15x 4.69x 20.23x 89%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 42%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 11.1%
+1.0pp YoY
+0.2pp QoQ
 -1.1pp 12.2% 12.3% 11.6% 44%
Cost of Funds (YTD) 2.1%
0.0pp YoY
0.0pp QoQ
 +0.4pp 1.7% 2.0% 1.7% 77%
Net Income ($, YTD) $3.7M
+22.1% YoY
— QoQ
 +$1.1M $2.6M $16.0M $40.4M 77%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#25 of 936 • Bottom 2.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#83 of 1256 • Bottom 6.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.10%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

245
Total Deposits
size
Value: $655.38M
Peer Median: $326.73M
#245 of 2643 Top 9.2% in $100M-$1B
301
Total Assets
size
Value: $728.38M
Peer Median: $386.57M
#301 of 2643 Top 11.4% in $100M-$1B
441
Loan-to-Deposit Ratio
liquidity
Value: 59.55%
Peer Median: 77.95%
#441 of 2643 Top 16.6% in $100M-$1B
572
Total Loans
size
Value: $390.31M
Peer Median: $258.35M
#572 of 2643 Top 21.6% in $100M-$1B

Top Weaknesses (2 metrics)

2144
Net Interest Margin
profitability
Value: 3.28%
Peer Median: 3.99%
#2144 of 2643 Bottom 18.9% in $100M-$1B
2082
Non-Interest-Bearing Deposit Share
funding
Value: 14.19%
Peer Median: 22.03%
#2082 of 2643 Bottom 21.3% in $100M-$1B
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