Malvern Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 7.1% to $1.6M. Within Iowa, Malvern Bank is 65th of 225 on net interest margin, 3.92% as of Q2 2026. At 3.92%, Malvern Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.65% |
| Yield on loans | 6.89% |
| Yield on securities | 2.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.96% |
| Cost of interest-bearing deposits | 3.19% |
| Cost of interest-bearing liabilities | 3.14% |
| Cost of borrowings | 4.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.90% | 2.59% | 3.56% | 6.06% | 2.92% |
| Q4 2023 | 6.11% | 2.81% | 3.53% | 6.25% | 4.18% |
| Q1 2024 | 6.28% | 3.21% | 3.31% | 6.42% | 2.97% |
| Q2 2024 | 6.48% | 3.50% | 3.26% | 6.67% | 3.10% |
| Q3 2024 | 6.73% | 3.61% | 3.45% | 6.86% | 4.29% |
| Q4 2024 | 6.77% | 3.37% | 3.71% | 6.95% | 3.46% |
| Q1 2025 | 6.61% | 3.19% | 3.77% | 6.83% | 3.26% |
| Q2 2025 | 6.80% | 3.25% | 3.97% | 7.07% | 2.65% |
| Q3 2025 | 6.83% | 3.27% | 4.01% | 7.06% | 3.29% |
| Q4 2025 | 6.80% | 3.22% | 4.03% | 7.02% | 3.34% |
| Q1 2026 | 6.64% | 3.07% | 4.00% | 6.88% | 1.98% |
| Q2 2026 | 6.65% | 2.96% | 3.92% | 6.89% | 2.34% |
Malvern Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Malvern Bank, freeSource: Call Report Schedules RI and RC-K, 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)