The Malvern National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 76.2% higher than in Q1 2026, at $13.7M. The Malvern National Bank ranks 70th of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 60.79% (Q2 2026). The Malvern National Bank reported 60.79% on loan-to-deposit ratio for Q2 2026, 20.05 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $294.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.79% |
| Net loans and leases to deposits | 59.55% |
| Loans and leases to core deposits | 73.22% |
| Core deposits to total deposits | 80.08% |
| Brokered deposits to total deposits | 2.94% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 59.48% | 93.55% | $0 | $48.0M |
| Q4 2023 | 62.28% | 92.29% | $0 | $46.0M |
| Q1 2024 | 65.39% | 91.01% | $0 | $41.0M |
| Q2 2024 | 64.83% | 92.14% | $0 | $31.0M |
| Q3 2024 | 65.98% | 91.16% | $0 | $26.0M |
| Q4 2024 | 65.66% | 90.80% | $0 | $26.0M |
| Q1 2025 | 64.39% | 86.11% | $0 | $5.0M |
| Q2 2025 | 63.15% | 83.44% | $0 | $7.0M |
| Q3 2025 | 61.33% | 80.78% | $0 | $5.0M |
| Q4 2025 | 59.61% | 80.17% | $0 | $5.0M |
| Q1 2026 | 60.11% | 78.32% | $0 | $0 |
| Q2 2026 | 60.79% | 80.08% | $0 | $0 |
The Malvern National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Malvern National Bank, freeSource: Call Report Schedules RC and RC-M, 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)