The National Bank of Malvern
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Data as of · sourced from FFIEC call reports. How we update
The National Bank of Malvern is an FDIC-insured commercial bank headquartered in Malvern, PA, established in 1884 (FDIC certificate 7590), and it is supervised by the OCC. At Q2 2026 it reported total assets of $224.0M, up 4.1% from Q2 2025, the 90th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.55% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7590
- Headquarters
- Malvern, PA
- Established
- 1884
- Total assets, Q2 2026
- $224.0M
- Assets vs Q2 2025
- +4.1%
- Tier 1 leverage ratio, Q2 2026
- 16.55%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 031912332
- Latest call report
- Q2 2026, FFIEC 051 · The National Bank of Malvern Q3 2026 call report, filed October 19, 2026 (preliminary)
- Holding company
- MALVERN BANK CORPORATION
- Asset rank in state
- 90th of 109 in Pennsylvania
The National Bank of Malvern runs leaner than most banks of its size. The Malvern, Pennsylvania bank had $224 million in assets at June 30, 2026, up 4.1% from a year earlier. It spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also funds 16.55% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $1.2 million, 65% above the same quarter a year earlier. Over the same year, loans shrank 2.5% and deposits grew 2.8%.
As of June 30, 2026, The National Bank of Malvern reported a return on assets of 2.11%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.39%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, The National Bank of Malvern is the 90th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $224.0M, loans rose 2.6% and deposits rose 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.9% of total loans, ahead of farmland and other real estate loans at 17.4%. The FDIC Summary of Deposits lists 2 offices for it, in Malvern, PA and East Whiteland Township, PA; its Malvern office books 92% of its branch deposits. Judged on its Q2 2026 call report, The National Bank of Malvern meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2 W King St, Malvern, PA 19355
- County
- Chester
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 7, 1884
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $186.7M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $224.5M
- Average total loans
- $143.8M
- Average interest-bearing deposits
- $126.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7590
- Fed RSSD
- 977616
- Website
- http://www.natbankmal.com →
- Parent Holding Company
- MALVERN BANK CORPORATION (RSSD 2409755)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The National Bank of Malvern reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The National Bank of Malvern's total assets moved between a low of $199.1M (Q2 2024) and a high of $224.0M (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
$224.0M total assets against $215.2M; $187.9M total liabilities against $183.0M.
$142.3M net loans and leases against $145.9M; $186.7M total deposits against $181.6M.
$47.6M securities against $40.8M; $27.0M cash and balances due against $22.2M.
$3.2M total interest income against $2.9M; $728K total interest expense against $751K.
$2.5M net interest income against $2.1M.
$65K total noninterest income against $74K; $1.1M total noninterest expense against $1.1M.
-$48K provision for credit losses against $119K.
$1.2M net income against $719K.
2.11% return on assets against 1.35%; 4.61% net interest margin against 4.07%.
16.55% tier 1 leverage ratio against 15.82%.
Inside the full The National Bank of Malvern terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe National Bank of Malvern rankings
Its closest position to the top of a national ranking is 345 of 3,606, for efficiency ratio; its furthest is 3,031 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.20% (Q3 2024) to 3.40% (Q3 2025) and its net interest margin ran from 3.88% (Q3 2024) to 4.84% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.55% | 2.11% | 0.10% | 0.39% | 4.61% |
| Q1 2026 | 16.23% | 1.50% | 0.13% | 0.48% | 4.18% |
| Q4 2025 | 16.36% | 1.37% | 0.17% | 0.66% | 4.18% |
| Q3 2025 | 16.41% | 3.40% | 0.16% | 0.62% | 4.84% |
| Q2 2025 | 15.82% | 1.35% | 0.18% | 0.77% | 4.07% |
| Q1 2025 | 15.78% | 1.90% | 0.20% | 0.88% | 4.31% |
| Q4 2024 | 15.53% | 1.25% | 0.23% | 1.03% | 4.04% |
| Q3 2024 | 15.49% | 1.20% | 0.24% | 1.09% | 3.88% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 National Bank of Malvern | Malvern , PA | 19355 | $171.8M |
| Frazer Branch | East Whiteland Township , PA | 19355 | $14.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 7 against individuals associated with it
- September 30, 2008, OCC: Formal Agreement: The National Bank of Malvern
- August 6, 2001, OCC: Formal Agreement: National Bank of Malvern, The
- Period: Most recent institution action September 30, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 114 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 31 applications, 28 loans originated, $11.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $231K approved, $231K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The National Bank of Malvern
What are The National Bank of Malvern's total assets?
As of the Q2 2026 filing, The National Bank of Malvern reported total assets of $224.0 million in its FFIEC call report.
Where is The National Bank of Malvern headquartered?
It is headquartered in Malvern, PA, United States.
When was The National Bank of Malvern founded?
It was established in 1884, per the FDIC institution directory.
Is The National Bank of Malvern FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7590). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The National Bank of Malvern?
The National Bank of Malvern's primary federal regulator is the OCC.
How many branches does The National Bank of Malvern operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The National Bank of Malvern's Texas Ratio?
Its Texas Ratio is 0.39% 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.
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