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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

4.52%Q2 ’244.89%Q2 ’255.01%Q2 ’26+8%+7%

Non-interest income vs. expense

2.38%Q2 ’242.36%Q2 ’252.35%Q2 ’26-1%+3%

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 0.82%, up 10 bps year over year; NIM at 3.07%.
  • 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 (quarter, annualized)

0.82%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.07%+21 bps YoY

Efficiency Ratio (quarter, annualized)

68.58%-341 bps YoY

Tier 1 Leverage Ratio

9.45%-9 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.72%0.71%0.79%0.82%+10 bps
Return on Equity8.05%8.04%7.62%8.57%8.91%+87 bps
Net Interest Margin2.86%2.90%2.95%2.95%3.07%+21 bps
Efficiency Ratio71.99%71.45%72.17%69.10%68.58%-341 bps
Non-Interest Burden1.95%1.95%2.02%1.92%2.00%+5 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%0.04%0.00%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