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
Unfavorable gap of $14.2M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.72% | 1.06% | 1.45% | Beats 30% | 525 / 746 | | |
| Return on Equity | 8.53% | 6.74% | 10.51% | 13.63% | Beats 38% | 463 / 746 | | |
| Net Interest Margin | 2.99% | 3.17% | 3.68% | 4.16% | Beats 17% | 617 / 746 | | |
| Efficiency Ratio | 68.84% | 55.74% | 64.58% | 75.47% | Beats 40% | 447 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.42% | 1.07% | Beats 75% | 189 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 55% | 340 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.55% | 11.55% | 13.75% | 17.60% | Beats 57% | 322 / 746 | | |
| Total Risk-Based Capital Ratio | 15.80% | 11.71% | 14.33% | 18.43% | Beats 62% | 287 / 746 | | |
| Equity / Assets | 9.32% | 8.90% | 10.51% | 13.06% | Beats 31% | 514 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.79% | 61.31% | 78.27% | 90.78% | 24th pctl | 567 / 746 | | |
| Loans / Assets | 54.70% | 53.60% | 66.97% | 76.08% | 26th pctl | 550 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |