The Malvern National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 11.18 percentage points in Q2 2026, from 262.18% to 273.36%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, The Malvern National Bank is 60th of 78 on return on assets, 1.04% as of Q2 2026, below the middle of the field. The Malvern National Bank reported 1.04% on return on assets for Q2 2026, 0.22 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.55% |
| Tier 1 risk-based capital ratio | 14.55% |
| Total risk-based capital ratio | 15.80% |
| Tier 1 leverage ratio | 9.45% |
| Equity capital to assets | 9.32% |
| Tangible equity to tangible assets | 9.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.74% |
| Non-performing assets ratio | 0.41% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.90% |
| Allowance for credit losses to loans | 2.03% |
| Reserve coverage of non-performing loans | 273.36% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 11.35% |
| Net interest margin | 3.50% |
| Efficiency ratio | 64.45% |
| Yield on earning assets | 5.56% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.79% |
| Core deposits to total deposits | 80.08% |
| Brokered deposits to total deposits | 2.94% |
| Deposits to assets | 89.98% |
| Securities to assets | 38.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.48% | 15.48% | 16.74% | 9.43% | 0.52% |
| Q4 2023 | 14.21% | 14.21% | 15.46% | 9.37% | 0.47% |
| Q1 2024 | 13.83% | 13.83% | 15.08% | 9.52% | 0.67% |
| Q2 2024 | 14.07% | 14.07% | 15.33% | 9.74% | 0.74% |
| Q3 2024 | 14.19% | 14.19% | 15.44% | 9.91% | 0.77% |
| Q4 2024 | 13.97% | 13.97% | 15.22% | 9.79% | 0.69% |
| Q1 2025 | 13.46% | 13.46% | 14.72% | 9.77% | 0.89% |
| Q2 2025 | 13.76% | 13.76% | 15.02% | 9.53% | 0.91% |
| Q3 2025 | 14.00% | 14.00% | 15.26% | 9.55% | 0.93% |
| Q4 2025 | 14.34% | 14.34% | 15.60% | 9.47% | 0.90% |
| Q1 2026 | 14.42% | 14.42% | 15.68% | 9.48% | 1.00% |
| Q2 2026 | 14.55% | 14.55% | 15.80% | 9.45% | 1.04% |
The Malvern National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Malvern National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)