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The National Bank of Malvern

$100M-$1B Specialty: Other PA FDIC cert 7590

Malvern, PA

2 branches across PA

2664 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

The National Bank of Malvern has 4 strengths but faces 1 concern

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

  • + ROA 0.23% above tier average
  • + Net Interest Margin 0.26% above tier average
  • + Efficiency Ratio 10.21% below tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 33.4% in tier
Get updates when The National Bank of Malvern releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $222.3M
+4.2% YoY -0.0% QoQ
-$163.8M $386.1M
+0.5% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
31%
Total Loans ? $138.7M
-4.8% YoY -2.1% QoQ
-$117.0M $255.7M
+1.1% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
32%
Total Deposits ? $185.8M
+2.8% YoY -0.1% QoQ
-$142.2M $328.0M
+0.1% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
31%
Return on Assets ? 1.50%
-21.3% YoY -25.5% QoQ
+0.23% 1.27%
+12.9% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
67%
Net Interest Margin ? 4.19%
-3.6% YoY -4.7% QoQ
+0.26% 3.93%
+6.0% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
68%
Efficiency Ratio ? 55.08%
+8.8% YoY +6.7% QoQ
-10.21% 65.29%
-4.5% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
73%
Delinquency Rate ? 0.13%
-35.9% YoY -26.2% QoQ
-0.76% 0.89%
+18.8% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
71%
Loan-to-Deposit Ratio ? 74.64%
-7.4% YoY -2.0% QoQ
-1.99% 76.64%
+0.8% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
58%
Non-Interest-Bearing Deposit Share ? 31.64%
-7.2% YoY -4.1% QoQ
+9.62% 22.02%
-1.0% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
Top 14.3% in tier
Nonperforming Asset Ratio ? 0.08%
-41.4% YoY -27.7% QoQ
-0.56% 0.64%
+19.7% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
73%
Tier 1 Capital Ratio ? 16.23%
+2.8% YoY -0.8% QoQ
+0.40% 15.83%
+1.5% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
73%
Non-Interest Income / Assets ? 0.04%
-19.5% YoY -74.2% QoQ
-0.24% 0.28%
+9.3% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
Bottom 13.4% in tier

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 (1)

Margin Compression

decline
#103 of 305 • Bottom 33.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.50%
(Tier: 1.27%, National: 1.23%)
better than tier avg
305 of 305 Community banks match · 407 nationally
↑ Growing +94 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

383
Non-Interest-Bearing Deposit Share
funding
Value: 31.64%
Peer Median: 22.02%
#383 of 2664 Top 14.3% in $100M-$1B

Top Weaknesses (1 metrics)

2308
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.28%
#2308 of 2664 Bottom 13.4% in $100M-$1B
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