The National Bank of Malvern: 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 Construction concentration (Tier 1 capital + allowance): 2.91 percentage points higher than in Q1 2026, at 21.25%. Within Pennsylvania, The National Bank of Malvern is 81st of 109 on loan-to-deposit ratio, 77.43% as of Q2 2026, below the middle of the field. The National Bank of Malvern reported 77.43% on loan-to-deposit ratio for Q2 2026, 3.40 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $144.6M |
| Net loans and leases | $142.3M |
| Loans held for sale | $0 |
| Loans to total assets | 64.53% |
| Loan-to-deposit ratio | 77.43% |
| Net loans to equity capital | 3.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.19% |
| Multifamily (5+ residential) | 9.43% |
| Commercial and industrial | 0.71% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 17.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 90.87% |
| Construction concentration (Tier 1 capital + allowance) | 21.25% |
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 | 7.29% |
| Interest income on loans | $2.6M |
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 | $139.3M | $185.5M | 25.80% | 0.58% | 0.04% |
| Q4 2023 | $140.3M | $172.4M | 25.28% | 0.67% | 0.04% |
| Q1 2024 | $142.5M | $181.5M | 24.68% | 0.63% | 0.06% |
| Q2 2024 | $142.4M | $169.8M | 24.10% | 0.61% | 0.03% |
| Q3 2024 | $144.1M | $180.4M | 23.45% | 0.82% | 0.02% |
| Q4 2024 | $148.0M | $173.5M | 22.48% | 1.16% | 0.02% |
| Q1 2025 | $148.1M | $180.8M | 22.07% | 0.82% | 0.02% |
| Q2 2025 | $148.3M | $181.6M | 22.23% | 0.80% | 0.01% |
| Q3 2025 | $142.1M | $182.9M | 21.72% | 0.85% | 0.01% |
| Q4 2025 | $144.0M | $185.9M | 20.26% | 0.84% | 0.02% |
| Q1 2026 | $140.9M | $185.8M | 21.00% | 0.68% | 0.06% |
| Q2 2026 | $144.6M | $186.7M | 20.19% | 0.71% | 0.06% |
The National Bank of Malvern loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Malvern, 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 National Bank of Malvern profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7590) · FFIEC NIC profile (RSSD 977616)