Malvern Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Common stock surplus, which rose 6.5% to $11.6M. Malvern Bank has the 6th lowest CET1 ratio of the 114 banks headquartered in Iowa, at 10.56% as of Q2 2026. Malvern Bank reported 10.56% on CET1 ratio for Q2 2026, 4.52 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.56% |
| Tier 1 risk-based capital ratio | 10.56% |
| Total risk-based capital ratio | 11.61% |
| Tier 1 leverage ratio | 8.91% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $22.1M |
| Tier 1 capital | $22.1M |
| Total risk-based capital | $24.3M |
| Total equity capital | $22.1M |
| Risk-weighted assets | $209.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.74% |
| Tangible equity to tangible assets | 8.74% |
| Equity capital to average assets | 8.91% |
| Internal capital growth rate | -12.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $11.6M |
| Retained earnings | $10.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.48% | 10.48% | 11.53% | 8.65% | $162.8M |
| Q4 2023 | 10.86% | 10.86% | 11.88% | 9.15% | $171.0M |
| Q1 2024 | 10.77% | 10.77% | 11.81% | 9.15% | $172.4M |
| Q2 2024 | 10.64% | 10.64% | 11.69% | 8.93% | $176.3M |
| Q3 2024 | 10.64% | 10.64% | 11.70% | 8.76% | $178.8M |
| Q4 2024 | 10.61% | 10.61% | 11.63% | 9.06% | $190.2M |
| Q1 2025 | 11.15% | 11.15% | 12.23% | 9.17% | $184.4M |
| Q2 2025 | 11.21% | 11.21% | 12.32% | 9.29% | $187.0M |
| Q3 2025 | 11.06% | 11.06% | 12.17% | 9.59% | $193.5M |
| Q4 2025 | 10.57% | 10.57% | 11.64% | 9.30% | $200.1M |
| Q1 2026 | 10.54% | 10.54% | 11.59% | 9.18% | $209.9M |
| Q2 2026 | 10.56% | 10.56% | 11.61% | 8.91% | $209.6M |
Malvern Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Malvern Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Malvern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14230) · FFIEC NIC profile (RSSD 756343)