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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Malvern, PA · FDIC certificate #7590
NATIONAL BANK OF MALVERN is an FDIC-insured institution based in Malvern, PA (FDIC certificate #7590). In its Q3 2026 Call Report it reported total assets of $223M, total deposits of $186M and net loans of $143M. Its primary federal regulator is OCC.
Plain-language readout
NATIONAL BANK OF MALVERN has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $224M in Q2 2026 and were lowest at $222M in Q1 2026.
Total deposits were highest at $187M in Q2 2026 and lowest at $186M in Q1 2026.
Over the whole period total assets rose 0.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $223M | $186M | $143M | 1.74% | 10.88% | 4.34% |
| Q2 2026 | $224M | $187M | $142M | 1.81% | 11.35% | 4.42% |
| Q1 2026 | $222M | $186M | $139M | 1.50% | 9.46% | 4.19% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $27.0M | $29.1M | -$2.2M | -7.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $47.6M | $47.5M | +$120K | +0.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $142.3M | $138.7M | +$3.6M | +2.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.8M | $4.5M | +$240K | +5.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.4M | $2.4M | -$50K | -2.1% |
| Total assets | $224.0M | $222.3M | +$1.7M | +0.8% |
| Liabilities | ||||
| Total deposits | $186.7M | $185.8M | +$899K | +0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.5M | -$299K | -20.4% |
| Total liabilities | $187.9M | $187.3M | +$600K | +0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $150K | $150K | $0K | 0.0% |
| Surplus | $750K | $750K | $0K | 0.0% |
| Retained earnings | $36.2M | $35.1M | +$1.2M | +3.4% |
| Accumulated other comprehensive income | -$977K | -$917K | -$60K | -6.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $36.2M | $35.0M | +$1.1M | +3.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $151K | $180K | -$29K | -16.1% |
| Adjusted nonperforming assets | $151K | $180K | -$29K | -16.1% |
| Tangible equity plus allowance | $38.5M | $37.3M | +$1.2M | +3.2% |
| Texas ratio (gross) | 0.39% | 0.48% | -0.09 pts | See points |
| Texas ratio (adjusted) | 0.39% | 0.48% | -0.09 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 16.55% | 16.23% | +0.32 pts | See points |
| Construction and land loans to total capital | 21.25% | 18.34% | +2.91 pts | See points |
| Commercial real estate to total capital | 90.87% | 90.81% | +0.06 pts | See points |
| Dividend payout, year to date | 48.12% | 116.59% | -68.47 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.37% | -3.25% | -0.12 pts | See points |
| Liquidity | ||||
| Core deposits | $169.6M | $169.4M | +$179K | +0.1% |
| Non-core funding | $17.1M | $16.4M | +$720K | +4.4% |
| Loans to core deposits | 85.26% | 83.19% | +2.07 pts | See points |
| Loans to deposits | 77.43% | 75.84% | +1.59 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 25.25% | 25.43% | -0.19 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $17.6M | $17.4M | +$230K | +1.3% |
| Earnings | ||||
| Earnings before provision, year to date | $2.5M | $1.0M | +$1.4M | +138.3% |
| Earnings before provision, single quarter | $1.4M | $1.0M | +$401K | +38.3% |
| Provision for credit losses, year to date | -$50K | -$2K | -$48K | -2400.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.28% | 6.70% | +0.58 pts | See points |
| Yield on interest-bearing balances due from banks | 3.73% | 3.64% | +0.09 pts | See points |
| Total interest income to average assets | 5.76% | 5.37% | +0.38 pts | See points |
| Cost of interest-bearing transaction accounts | 0.53% | 0.58% | -0.05 pts | See points |
| Cost of savings and money market deposits | 1.34% | 1.32% | +0.02 pts | See points |
| Cost of time deposits | 3.65% | 3.70% | -0.05 pts | See points |
| Total interest expense to average assets | 1.30% | 1.32% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $223M | $186M | $143M | 1.74% | 10.88% | 4.34% |
| 2026-06-30 | $224M | $187M | $142M | 1.81% | 11.35% | 4.42% |
| 2026-03-31 | $222M | $186M | $139M | 1.50% | 9.46% | 4.19% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $181.6M | 0.03% | 119 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.