Malvern, IA · Cert 14230 · Malvern Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.5% share · #26 of 77 inst. · $0.2B of $42.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.77% | 1.09% | 1.09% | 1.10% | 1.11% | 1.21% | 1.19% | +9 bps | |
| Return on Equity | 7.83% | 8.76% | 12.15% | 12.04% | 12.06% | 12.20% | 13.78% | 13.56% | +152 bps | |
| Net Interest Margin | 3.09% | 3.15% | 3.61% | 3.70% | 3.77% | 3.75% | 3.84% | 3.75% | +5 bps | |
| Efficiency Ratio | 72.25% | 70.07% | 61.47% | 61.74% | 61.45% | 61.72% | 58.67% | 59.31% | -243 bps | |
| Non-Interest Burden | 2.15% | 2.11% | 2.09% | 2.18% | 2.21% | 2.19% | 2.13% | 2.11% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.69% | 10.86% | 7.40% | 3.87% | 5.17% | 5.19% | 12.36% | 12.87% | +899 bps | |
| Loan Growth (YoY) | 9.53% | 12.13% | 6.81% | 6.59% | 6.72% | 4.88% | 13.50% | 12.61% | +602 bps | |
| Deposit Growth (YoY) | 2.29% | 1.56% | 14.96% | 10.42% | 6.59% | 6.92% | 8.42% | 7.70% | -273 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.02% | 0.18% | 0.63% | 0.59% | 0.40% | 0.09% | 0.37% | -26 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.06% | 0.04% | 0.02% | 0.06% | -0.01% | 0.09% | +6 bps | |
| Allowance / Loans | 1.03% | 1.00% | 1.04% | 1.07% | 1.09% | 1.03% | 1.00% | 1.00% | -7 bps | |
| Allowance Coverage of NPLs | 32.8x | 41.7x | 5.7x | 1.7x | 1.8x | 2.5x | 10.9x | 2.7x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.76% | 9.06% | 9.17% | 9.29% | 9.59% | 9.30% | 9.18% | 8.91% | -38 bps | |
| Total Risk-Based Capital | 11.70% | 11.63% | 12.23% | 12.32% | 12.17% | 11.64% | 11.59% | 11.61% | -71 bps | |
| Equity / Assets | 8.70% | 8.77% | 9.16% | 9.35% | 9.31% | 8.74% | 8.77% | 8.74% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.52% | 106.09% | 94.32% | 95.51% | 99.64% | 104.06% | 98.74% | 99.87% | +436 bps | |
| Liquid Assets / Assets | 5.36% | 9.85% | 10.25% | 9.49% | 9.72% | 10.05% | 9.82% | 9.91% | +42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 152.54% | 158.53% | 170.67% | n/a | n/a | |