The Malvern National Bank
BankRegReports is independent of The Malvern National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Malvern National Bank is an FDIC-insured commercial bank headquartered in Malvern, AR, established in 1934 (FDIC certificate 14644), and it is supervised by the OCC. At Q2 2026 it reported total assets of $728.4M, up 6.3% from Q2 2025, the 30th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 14.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 14644
- Headquarters
- Malvern, AR
- Established
- 1934
- Total assets, Q2 2026
- $728.4M
- Assets vs Q2 2025
- +6.3%
- CET1 ratio, Q2 2026
- 14.55%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 082907134
- Latest call report
- Q2 2026, FFIEC 051 · The Malvern National Bank call report
- Holding company
- MNB BANCSHARES, INC.
- Asset rank in state
- 30th of 78 in Arkansas
Little in The Malvern National Bank's latest call report stands out. The Malvern, Arkansas bank had $728 million in assets at June 30, 2026, up 6.3% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 22% from a year earlier, to $1.9 million. Over the same year, loans grew 2.9% and deposits grew 6.9%. Where it has less room is capital: it funds 9.45% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Malvern National Bank reported a CET1 capital ratio of 14.55%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.49%. The figures come from its call report filed with the FFIEC.
The Malvern National Bank ranks as the 30th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $728.4M, loans rose 1.6% and deposits rose 0.5%. 1-4 family residential loans made up 26.5% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.2%. The FDIC Summary of Deposits lists 15 offices for it, in 7 cities in AR; its Malvern 5 offices book 49% of its branch deposits. On its Q2 2026 call report, The Malvern National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 501 S Main St, Malvern, AR 72104
- County
- Hot Spring
- Metro Area
- Malvern, AR
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 125
- Domestic deposits
- $655.4M
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $731.2M
- Average total loans
- $395.9M
- Average interest-bearing deposits
- $565.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 7, 1934
- FDIC Cert
- 14644
- Fed RSSD
- 906241
- Website
- www.mnbbank.com →
- Parent Holding Company
- MNB BANCSHARES, INC. (RSSD 1099980)
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
The Malvern National Bank's total assets moved between a low of $629.4M (Q3 2023) and a high of $728.4M (Q2 2026) from Q3 2023 to 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
$728.4M total assets against $685.0M; $660.5M total liabilities against $624.9M.
$390.3M net loans and leases against $379.6M; $655.4M total deposits against $613.3M.
$280.6M securities against $251.0M; $13.7M cash and balances due against $11.5M.
$9.2M total interest income against $8.3M; $3.5M total interest expense against $3.4M.
$5.6M net interest income against $4.9M.
$638K total noninterest income against $700K; $4.3M total noninterest expense against $4.0M.
$150K provision for credit losses against $75K.
$1.9M net income against $1.5M.
1.04% return on assets against 0.91%; 3.50% net interest margin against 3.29%.
14.55% CET1 capital ratio against 13.76%; 9.45% tier 1 leverage ratio against 9.53%.
Inside the full The Malvern National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Malvern National Bank rankings
Its closest position to the top of a national ranking is 1,334 of 4,196, for total assets; its furthest is 2,957 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q4 2024) to 1.04% (Q2 2026) and its net interest margin ran from 3.23% (Q4 2024) to 3.50% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.55% | 1.04% | 0.09% | 0.49% | 3.50% |
| Q1 2026 | 14.42% | 1.00% | 0.10% | 0.56% | 3.38% |
| Q4 2025 | 14.34% | 0.90% | 0.08% | 0.43% | 3.39% |
| Q3 2025 | 14.00% | 0.93% | 0.07% | 0.35% | 3.34% |
| Q2 2025 | 13.76% | 0.91% | 0.08% | 0.52% | 3.29% |
| Q1 2025 | 13.46% | 0.89% | 0.09% | 0.53% | 3.27% |
| Q4 2024 | 13.97% | 0.69% | 0.11% | 0.61% | 3.23% |
| Q3 2024 | 14.19% | 0.77% | 0.12% | 0.64% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → 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 |
|---|---|---|---|
| The Malvern National Bank | Malvern , AR | 72104 | $301.6M |
| Sheridan Branch | Sheridan , AR | 72150 | $77.7M |
| Benton Branch | Benton , AR | 72015 | $67.7M |
| Section Line Road Branch | Hot Springs , AR | 71913 | $43.5M |
| Grand Avenue Branch | Hot Springs , AR | 71901 | $32.1M |
| Otter Creek Branch | Little Rock , AR | 72210 | $28.7M |
| East End Branch | Little Rock , AR | 72206 | $28.2M |
| Riverview Branch | Malvern , AR | 72104 | $22.3M |
| Markham Branch | Conway , AR | 72032 | $20.1M |
| Bryant Branch | Bryant , AR | 72022 | $13.6M |
| Heights Branch | Little Rock , AR | 72207 | $10.7M |
| Airport Road Branch | Hot Springs , AR | 71913 | $9.2M |
| Main Street Branch | Malvern , AR | 72104 | $0 |
| Central Operations Branch | Malvern , AR | 72104 | $0 |
| Corporate Center Branch | Malvern , AR | 72104 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 31, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1998 | Structure Change | Acquired First National Bank of Sheridan Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in AR, rank 33 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 84 applications, 61 loans originated, $20.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $111K approved, $56K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Malvern National Bank’s latest filed figures and updates each quarter.
Similar banks
Compare The Malvern National Bank with peers
Frequently asked about The Malvern National Bank
What are The Malvern National Bank's total assets?
As of the Q2 2026 filing, The Malvern National Bank reported total assets of $728.4 million in its FFIEC call report.
Where is The Malvern National Bank headquartered?
It is headquartered in Malvern, AR, United States.
When was The Malvern National Bank founded?
It was established in 1934, per the FDIC institution directory.
Is The Malvern National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Malvern National Bank?
The Malvern National Bank's primary federal regulator is the OCC.
What is The Malvern National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Malvern National Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Malvern National Bank's Texas Ratio?
Its Texas Ratio is 0.49% 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.
Go deeper on The Malvern National Bank.
Get an email when The Malvern National Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Malvern National Bank, freeFree account