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Malvern National Bank, The

Malvern, AR · Cert 14644 · MNB Bancshares Inc.

National charter · OCC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

40

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 National Bank, The

Malvern, AR · Cert 14644 · MNB Bancshares Inc.

National charter · OCC · 15 branches

Q2 2026

$728.4MAssets
$398.4MLoans
$655.4MDeposits
$67.9MEquity
Loan mix
83%RE $319.9M16%C&I $62.9M1%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $562.4M14%Noninterest $93.0MQ2 2025Q2 2026

NIM

4.39%Q2 ’244.78%Q2 ’254.92%Q2 ’26+10%+6%

Non-interest income vs. expense

2.32%Q2 ’242.34%Q2 ’252.31%Q2 ’26+2%0%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.7% share · #20 of 42 inst. · $0.2B of $36.9B

57.9% Hot Spring
4.4% Saline
2.7% Garland
23.1% Grant

Executive Summary

  • Earnings: ROA of 0.80%, up 9 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.09% of loans (+1 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.45%, down 9 bps from a year ago.
  • Funding: loans stand at 60.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.80%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+17 bps YoY

Efficiency Ratio (YTD, annualized)

68.84%-388 bps YoY

Tier 1 Leverage Ratio

9.45%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.71%0.71%0.79%0.80%+9 bps
Return on Equity7.90%7.89%7.85%8.57%8.70%+80 bps
Net Interest Margin2.82%2.82%2.81%2.95%2.99%+17 bps
Efficiency Ratio72.72%72.28%72.25%69.10%68.84%-388 bps
Non-Interest Burden1.94%1.93%1.92%1.92%1.94%0 bps
Growth
Asset Growth (YoY)7.17%9.59%8.77%7.77%6.33%-84 bps
Loan Growth (YoY)9.34%6.29%2.20%1.41%2.88%-646 bps
Deposit Growth (YoY)12.26%14.36%12.55%8.64%6.87%-539 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.07%0.08%0.10%0.09%+1 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.01%0.01%+1 bps
Allowance / Loans1.98%2.00%2.06%2.03%2.03%+6 bps
Allowance Coverage of NPLs23.5x29.9x24.5x19.4x21.5x-2.0x
Capital
Tier 1 Leverage Ratio9.53%9.55%9.47%9.48%9.45%-9 bps
Total Risk-Based Capital15.02%15.26%15.60%15.68%15.80%+79 bps
Equity / Assets8.77%9.25%9.34%9.05%9.32%+55 bps
Liquidity & Funding
Loans / Deposits63.15%61.33%59.61%60.11%60.79%-236 bps
Liquid Assets / Assets0.13%0.71%0.04%0.02%0.38%+26 bps
CRE / Total Capitaln/a325%313%314%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 National Bank, The

Malvern, AR · Cert 14644 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · MNB Bancshares Inc.

National charter · OCC · 15 branches

Q2 2026

$728.4MAssets
$398.4MLoans
$655.4MDeposits
$67.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 75% of banks under $1B in assets operating in a single state (rank 189 of 743).
  • Widest gap: net interest margin trails 83% of banks under $1B in assets operating in a single state (rank 617 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.80%

Rank 525 of 746

Net Interest Margin

2.99%

Rank 617 of 746

Efficiency Ratio

68.84%

Rank 447 of 746

Equity / Assets

9.32%

Rank 514 of 746

Non-interest income vs. expense

$2.7M$16.9MINCOMEEXPENSE
Unfavorable gap of $14.2M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state
Bank 68.84%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.72%1.06%1.45%Beats 30%525 / 746
Return on Equity8.53%6.74%10.51%13.63%Beats 38%463 / 746
Net Interest Margin2.99%3.17%3.68%4.16%Beats 17%617 / 746
Efficiency Ratio68.84%55.74%64.58%75.47%Beats 40%447 / 746
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.42%1.07%Beats 75%189 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 55%340 / 743
Capital
Tier 1 Capital Ratio14.55%11.55%13.75%17.60%Beats 57%322 / 746
Total Risk-Based Capital Ratio15.80%11.71%14.33%18.43%Beats 62%287 / 746
Equity / Assets9.32%8.90%10.51%13.06%Beats 31%514 / 746
Liquidity & Funding
Loans / Deposits60.79%61.31%78.27%90.78%24th pctl567 / 746
Loans / Assets54.70%53.60%66.97%76.08%26th pctl550 / 746
Brokered Deposits / Depositsn/aNot reported for this institution