Malvern Bank
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Data as of · sourced from FFIEC call reports. How we update
Malvern Bank is an FDIC-insured commercial bank headquartered in Malvern, IA, established in 1892 (FDIC certificate 14230), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $253.2M, up 12.9% from Q2 2025, the 124th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 10.56% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14230
- Headquarters
- Malvern, IA
- Established
- 1892
- Total assets, Q2 2026
- $253.2M
- Assets vs Q2 2025
- +12.9%
- CET1 ratio, Q2 2026
- 10.56%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073905802
- Latest call report
- Q2 2026, FFIEC 051 · Malvern Bank call report
- Holding company
- MALVERN BANCSHARES, INC.
- Asset rank in state
- 124th of 225 in Iowa
Malvern Bank pays more for its money than most banks of its size. The Malvern, Iowa bank had $253 million in assets at June 30, 2026, up 12.9% from a year earlier. It pays an average of 2.96% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds common equity equal to 10.56% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
The commercial and industrial book ($57 million) is worsening: 1.97% of it is past due or on nonaccrual, up from 0.43% a year earlier. Loans are outrunning deposits: over the year loans rose 12.6% and deposits rose 7.7%.
As of June 30, 2026, Malvern Bank reported a CET1 capital ratio of 10.56%, a return on assets of 1.44%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 3.32%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Malvern Bank is the 124th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.4% to $253.2M, loans were flat and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 26.3% of total loans, ahead of 1-4 family residential loans at 21.6%. Its one office in the FDIC Summary of Deposits is in Malvern, IA. Judged on its Q2 2026 call report, Malvern Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 404 Main St, Malvern, IA 51551
- County
- Mills
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1892
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $217.7M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $100K
- Average total assets
- $248.5M
- Average total loans
- $217.3M
- Average interest-bearing deposits
- $193.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 10, 1934
- FDIC Cert
- 14230
- Fed RSSD
- 756343
- Website
- www.malvern.bank →
- Parent Holding Company
- MALVERN BANCSHARES, INC. (RSSD 3070415)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Malvern Bank's total assets ranged from $199.4M (Q3 2023) to $253.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$253.2M total assets against $224.4M; $231.1M total liabilities against $203.4M.
$215.3M net loans and leases against $191.0M; $217.7M total deposits against $202.2M.
$207K securities against $514K; $27.6M cash and balances due against $23.7M.
$4.0M total interest income against $3.7M; $1.6M total interest expense against $1.5M.
$2.3M net interest income against $2.1M.
$178K total noninterest income against $118K; $1.5M total noninterest expense against $1.4M.
$110K provision for credit losses against $75K.
$896K net income against $767K.
1.44% return on assets against 1.36%; 3.92% net interest margin against 3.97%.
10.56% CET1 capital ratio against 11.21%; 8.91% tier 1 leverage ratio against 9.29%.
Inside the full Malvern Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMalvern Bank rankings
Its closest position to the top of a national ranking is 1,441 of 3,611, for ROA; its furthest is 2,037 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.08% (Q3 2024) to 1.51% (Q1 2026) and its net interest margin ran from 3.45% (Q3 2024) to 4.03% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.56% | 1.44% | 0.37% | 3.32% | 3.92% |
| Q1 2026 | 10.54% | 1.51% | 0.09% | 0.82% | 4.00% |
| Q4 2025 | 10.57% | 1.36% | 0.40% | 5.88% | 4.03% |
| Q3 2025 | 11.06% | 1.42% | 0.59% | 4.97% | 4.01% |
| Q2 2025 | 11.21% | 1.36% | 0.63% | 5.29% | 3.97% |
| Q1 2025 | 11.15% | 1.36% | 0.18% | 1.56% | 3.77% |
| Q4 2024 | 10.61% | 1.31% | 0.02% | 0.21% | 3.71% |
| Q3 2024 | 10.64% | 1.08% | 0.03% | 0.28% | 3.45% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Malvern Bank (main office) | Malvern , IA | 51551 | $217.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 128 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $70K approved, $70K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Malvern Bank
What are Malvern Bank's total assets?
As of the Q2 2026 filing, Malvern Bank reported total assets of $253.2 million in its FFIEC call report.
Where is Malvern Bank headquartered?
It is headquartered in Malvern, IA, United States.
When was Malvern Bank founded?
It was established in 1892, per the FDIC institution directory.
Is Malvern Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14230). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Malvern Bank?
Malvern Bank's primary federal regulator is the FDIC.
What is Malvern Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.56% in its Q2 2026 call report, above regulatory requirements.
How many branches does Malvern Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Malvern Bank's Texas Ratio?
Its Texas Ratio is 3.32% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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