PackageTrendsPeer
Letter portraitLegal landscape

Malvern Bank

Malvern, IA · Cert 14230 · Malvern Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Omaha, NE-IA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Omaha, NE-IA area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

31

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Malvern Bank

Malvern, IA · Cert 14230 · Malvern Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$253.2MAssets
$217.4MLoans
$217.7MDeposits
$22.1MEquity
Loan mix
49%RE $91.6M31%C&I $59.1M20%Consumer $37.5MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $196.8M10%Noninterest $21.0MQ2 2025Q2 2026

NIM

5.99%Q2 ’246.41%Q2 ’256.29%Q2 ’26+20%+1%

Non-interest income vs. expense

2.55%Q2 ’242.45%Q2 ’252.39%Q2 ’26-3%-3%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.5% share · #26 of 77 inst. · $0.2B of $42.7B

Executive Summary

  • Earnings: ROA of 1.19%, up 9 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.37% of loans (-26 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 8.91%, down 38 bps from a year ago.
  • Funding: loans stand at 99.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+5 bps YoY

Efficiency Ratio (YTD, annualized)

59.31%-243 bps YoY

Tier 1 Leverage Ratio

8.91%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.10%1.11%1.21%1.19%+9 bps
Return on Equity12.04%12.06%12.20%13.78%13.56%+152 bps
Net Interest Margin3.70%3.77%3.75%3.84%3.75%+5 bps
Efficiency Ratio61.74%61.45%61.72%58.67%59.31%-243 bps
Non-Interest Burden2.18%2.21%2.19%2.13%2.11%-7 bps
Growth
Asset Growth (YoY)3.87%5.17%5.19%12.36%12.87%+899 bps
Loan Growth (YoY)6.59%6.72%4.88%13.50%12.61%+602 bps
Deposit Growth (YoY)10.42%6.59%6.92%8.42%7.70%-273 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.59%0.40%0.09%0.37%-26 bps
Net Charge-Offs / Loans0.04%0.02%0.06%-0.01%0.09%+6 bps
Allowance / Loans1.07%1.09%1.03%1.00%1.00%-7 bps
Allowance Coverage of NPLs1.7x1.8x2.5x10.9x2.7x+1.0x
Capital
Tier 1 Leverage Ratio9.29%9.59%9.30%9.18%8.91%-38 bps
Total Risk-Based Capital12.32%12.17%11.64%11.59%11.61%-71 bps
Equity / Assets9.35%9.31%8.74%8.77%8.74%-61 bps
Liquidity & Funding
Loans / Deposits95.51%99.64%104.06%98.74%99.87%+436 bps
Liquid Assets / Assets9.49%9.72%10.05%9.82%9.91%+42 bps
CRE / Total Capitaln/a152.54%158.53%170.67%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Malvern Bank

Malvern, IA · Cert 14230 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Malvern Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$253.2MAssets
$217.4MLoans
$217.7MDeposits
$22.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 58% of banks under $1B in assets in the Omaha, NE-IA area (rank 10 of 24).
  • Widest gap: equity / assets trails 79% of banks under $1B in assets in the Omaha, NE-IA area (rank 19 of 24).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.17%

Rank 14 of 24

Net Interest Margin

3.75%

Rank 13 of 24

Efficiency Ratio

59.31%

Rank 13 of 24

Equity / Assets

8.74%

Rank 19 of 24

Non-interest income vs. expense

$0.7M$5.9MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 50% of banks under $1B in assets in the Omaha, NE-IA area
Bank 59.31%Peer median 59.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.92%1.29%1.77%Beats 42%14 / 24
Return on Equity13.36%9.64%12.01%15.30%Beats 58%10 / 24
Net Interest Margin3.75%3.02%3.76%3.98%Beats 46%13 / 24
Efficiency Ratio59.31%49.60%59.31%66.55%Beats 50%13 / 24
Asset Quality
Nonperforming Loans / Loans0.37%0.10%0.37%1.03%Beats 50%13 / 24
Net Charge-Offs / Loans0.05%n/a0.00%0.03%Beats 21%20 / 24
Capital
Tier 1 Capital Ratio10.56%10.53%11.57%13.63%Beats 29%17 / 24
Total Risk-Based Capital Ratio11.61%11.15%12.06%13.90%Beats 42%14 / 24
Equity / Assets8.74%8.87%10.14%12.27%Beats 21%19 / 24
Liquidity & Funding
Loans / Deposits99.87%75.32%83.30%93.06%88th pctl3 / 24
Loans / Assets85.87%65.68%71.67%75.94%92nd pctl2 / 24
Brokered Deposits / Depositsn/aNot reported for this institution