BlastPoint's Banking Scorecard
The National Bank of Malvern
Malvern, PA
2 branches across PA
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 55 in PA.
- Deposits +2.8% year over year ($186.7M on the books).
- Delinquency rate 0.11%.
- Return on assets 1.81%.
- Efficiency ratio 49.04% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.20% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The National Bank of Malvern has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.49% above tier average
- + Net Interest Margin 0.43% above tier average
- + Efficiency Ratio 15.44% below tier average
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$224.0M
+4.1% YoY
+0.8% QoQ
|
-$162.5M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$142.3M
-2.5% YoY
+2.6% QoQ
|
-$116.1M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$186.7M
+2.8% YoY
+0.5% QoQ
|
-$140.0M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
31% |
| Return on Assets ? |
1.81%
+11.5% YoY
+20.9% QoQ
|
+0.49% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
80% |
| Net Interest Margin ? |
4.42%
+4.8% YoY
+5.6% QoQ
|
+0.43% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
49.04%
-5.1% YoY
-11.0% QoQ
|
-15.44% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Top 14.9% in tier |
| Delinquency Rate ? |
0.11%
-42.0% YoY
-18.2% QoQ
|
-0.81% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
76.20%
-5.2% YoY
+2.1% QoQ
|
-1.76% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
32.07%
-2.9% YoY
+1.4% QoQ
|
+10.04% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Top 14.3% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-45.7% YoY
-16.8% QoQ
|
-0.60% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
16.55%
+4.6% YoY
+2.0% QoQ
|
+0.64% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.07%
-17.9% YoY
+72.5% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.5% in tier |
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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
32.1%
-1.0pp YoY +0.4pp QoQ |
+9.9pp | 22.1% | 18.7% | 22.2% | 86% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.7%
-0.1pp YoY 0.0pp QoQ |
-10.8pp | 11.6% | 8.6% | 12.5% | 3% |
| CRE |
36.0%
+1.8pp YoY -0.3pp QoQ |
-3.5pp | 39.5% | 37.9% | 41.4% | 45% |
| 1-4 Family |
46.7%
+2.4pp YoY +0.9pp QoQ |
+14.0pp | 32.6% | 47.8% | 31.3% | 79% |
| Consumer |
0.1%
+0.1pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 3.8% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.3% | 19.7% | n/a |
| Leverage Ratio |
16.5%
+0.7pp YoY +0.3pp QoQ |
+4.4pp | 12.2% | 13.2% | 12.6% | 92% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
-2 (-7.4%) YoY +2 (+8.7%) QoQ |
-34 | 58 | 299 | 482 | 19% |
| Assets per Employee ($) |
$9.0M
+12.4% YoY -7.3% QoQ |
+$1.4M | $7.5M | $9.2M | $8.8M | 79% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 20 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.9% | 1.0% | 19% |
| Allowance Coverage |
15.30x
+69.6% YoY +23.7% QoQ |
-8.85x | 24.15x | 3.63x | 20.23x | 86% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.3%
+0.4pp YoY +1.9pp QoQ |
-0.8pp | 12.2% | 10.2% | 11.6% | 45% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 27% |
| Net Income ($, YTD) |
$2.0M
+17.7% YoY — QoQ |
-$539K | $2.6M | $18.2M | $40.4M | 52% |
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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.