The Malvern National 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 58.8% higher than in Q1 2026, at -$1.2M. Within Arkansas, The Malvern National Bank is 17th of 37 on CET1 ratio, 14.55% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Malvern National Bank sits 0.52 points lower, at 14.55% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.55% |
| Tier 1 risk-based capital ratio | 14.55% |
| Total risk-based capital ratio | 15.80% |
| Tier 1 leverage ratio | 9.45% |
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 | $69.1M |
| Tier 1 capital | $69.1M |
| Total risk-based capital | $75.0M |
| Total equity capital | $67.9M |
| Risk-weighted assets | $474.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.32% |
| Tangible equity to tangible assets | 9.32% |
| Equity capital to average assets | 9.29% |
| Internal capital growth rate | 5.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $1.1M |
| Retained earnings | $66.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 15.48% | 15.48% | 16.74% | 9.43% | $390.1M |
| Q4 2023 | 14.21% | 14.21% | 15.46% | 9.37% | $422.6M |
| Q1 2024 | 13.83% | 13.83% | 15.08% | 9.52% | $439.7M |
| Q2 2024 | 14.07% | 14.07% | 15.33% | 9.74% | $443.6M |
| Q3 2024 | 14.19% | 14.19% | 15.44% | 9.91% | $446.2M |
| Q4 2024 | 13.97% | 13.97% | 15.22% | 9.79% | $458.8M |
| Q1 2025 | 13.46% | 13.46% | 14.72% | 9.77% | $481.1M |
| Q2 2025 | 13.76% | 13.76% | 15.02% | 9.53% | $471.5M |
| Q3 2025 | 14.00% | 14.00% | 15.26% | 9.55% | $471.6M |
| Q4 2025 | 14.34% | 14.34% | 15.60% | 9.47% | $466.4M |
| Q1 2026 | 14.42% | 14.42% | 15.68% | 9.48% | $472.7M |
| Q2 2026 | 14.55% | 14.55% | 15.80% | 9.45% | $474.7M |
The Malvern National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Malvern National 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 The Malvern National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14644) · FFIEC NIC profile (RSSD 906241)