The Malvern National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.00 percentage points lower than in Q1 2026, at 188.43%. Within Arkansas, The Malvern National Bank is 70th of 78 on loan-to-deposit ratio, 60.79% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Malvern National Bank sits 20.05 points lower, at 60.79% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $398.4M |
| Net loans and leases | $390.3M |
| Loans held for sale | $174K |
| Loans to total assets | 54.70% |
| Loan-to-deposit ratio | 60.79% |
| Net loans to equity capital | 5.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.45% |
| Multifamily (5+ residential) | 2.23% |
| Commercial and industrial | 15.93% |
| Consumer | 0.81% |
| Credit cards | 0.00% |
| Farm | 0.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 188.43% |
| Construction concentration (Tier 1 capital + allowance) | 65.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.48% |
| Interest income on loans | $6.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $314.2M | $528.3M | 39.23% | 13.69% | 1.10% |
| Q4 2023 | $332.1M | $533.3M | 37.03% | 15.08% | 1.10% |
| Q1 2024 | $348.8M | $533.5M | 37.81% | 15.16% | 1.05% |
| Q2 2024 | $354.2M | $546.3M | 37.88% | 16.02% | 1.13% |
| Q3 2024 | $362.2M | $548.9M | 38.92% | 16.41% | 1.25% |
| Q4 2024 | $370.8M | $564.8M | 38.18% | 16.30% | 1.19% |
| Q1 2025 | $386.5M | $600.2M | 38.28% | 15.83% | 1.10% |
| Q2 2025 | $387.3M | $613.3M | 38.18% | 15.44% | 0.87% |
| Q3 2025 | $385.0M | $627.7M | 39.32% | 15.84% | 0.86% |
| Q4 2025 | $379.0M | $635.7M | 39.27% | 15.91% | 0.87% |
| Q1 2026 | $392.0M | $652.1M | 38.76% | 16.05% | 0.84% |
| Q2 2026 | $398.4M | $655.4M | 39.45% | 15.93% | 0.81% |
The Malvern National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Malvern National Bank, freeSource: Call Report Schedule RC-C, 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)