Malvern Bank N.A.

42 East Lancaster Avenue
Paoli, PA 19301

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27861
Date Established 1887
Assets $1.21 billion
Loans $1.00 billion
Deposits $0.96 billion
Capital $0.15 billion

Malvern Bank N.A. is an FDIC insured institution located in Paoli, PA. It was founded in 1887 and has approximately $1.21 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of Malvern Bank N.A.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.10% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.86% $1,000 - Learn MoreShow Less
6 Mo CD
1.25% $1,000 - Learn MoreShow Less
Special: 12 Mo CD
2.27% $500 - Learn MoreShow Less
12 Mo CD
2.27% $500 - Learn MoreShow Less
18 Mo CD
2.27% $500 - Learn MoreShow Less
Special: 24 Mo CD
2.27% $500 - Learn MoreShow Less
24 Mo CD
2.20% $500 - Learn MoreShow Less
Special: 36 Mo CD
2.20% $500 - Learn MoreShow Less
36 Mo CD
2.20% $500 - Learn MoreShow Less
Special: 48 Mo CD
2.20% $500 - Learn MoreShow Less
48 Mo CD
2.20% $500 - Learn MoreShow Less
Special: 60 Mo CD
1.75% $500 - Learn MoreShow Less
60 Mo CD
1.75% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
2.27% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.15% $2,500 $9,999 Learn MoreShow Less

Loan Rates - August 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Malvern Bank N.A.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to Malvern Bank N.A.
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Branches

Malvern Bank N.A. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Malvern Bank N.A. Locations


Financial Details

Malvern Bank N.A. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Malvern Bank N.A.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Malvern Bank N.A. U.S. Bank Average
5.26% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Malvern Bank N.A. had $2,432,000 in non-current loans and $5,796,000 in owned real estate. To cover these potential losses it had $146,542,000 in equity and $10,016,000 in loans loss reserves. That gives it a Texas Ratio of 5.26%.

Return on Equity
Malvern Bank N.A. U.S. Bank Average
6.61% 9.47%

Malvern Bank N.A. has a Return on Equity of 6.61% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Malvern Bank N.A. U.S. Bank Average
12.12% 12.49%

Malvern Bank N.A. has a Capitalization of 12.12% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Malvern Bank N.A. Balance Sheet Analysis

As of March 31, 2019, Malvern Bank N.A. had assets of $1,209,233,000, loans of $997,114,000, and deposits of $958,026,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.11 billion
Interest-bearing balances $0.11 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.00 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.04 billion
     Total Assets $1.06 billion
LIABILITIES
Total deposits $0.96 billion
      Interest-bearing deposits $0.90 billion
      Deposits held in domestic offices $0.96 billion
      % insured (estimated) 89.25%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.10 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.06 billion
      Shareholders’ Equity $0.15 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Malvern Bank N.A.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Pennsylvania, Malvern Bank N.A. has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.20
Multifamily
Mortgages
6.45
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.82
Construction and Development Loans 4.99
Commercial Real Estate 51.86
Commercial and Industrial Loans 9.11
Farm Loans 0.00

Frequently Asked Questions About Malvern Bank N.a.

Branches and Savings

Is Malvern Bank N.a. FDIC insured?

Yes. It is covered under FDIC Certificate #27861.

Why does Malvern Bank N.a. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Malvern Bank N.a. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Malvern Bank N.a. a commercial bank?

Yes

Where are Malvern Bank N.a. locations?

See branch locations nearby.

Is Malvern Bank N.a. open on Saturdays?

Is Malvern Bank N.a. open on Sundays?

What time does Malvern Bank N.a. open?

What time does Malvern Bank N.a. close?

Are Malvern Bank N.a. ATMs Open 24/7?

Do Malvern Bank N.a. ATMs accept cash deposits?

Can Malvern Bank N.a. customers use other ATMs?

Do Malvern Bank N.a. branches have notaries?

Will Malvern Bank N.a. notarize my document?

What address for Malvern Bank N.a. should I put for incoming ACH transfers?

Will the Malvern Bank N.a. branch print checks?

Do Malvern Bank N.a. checks expire?

Does Malvern Bank N.a. require US citizenship to open account?

Can Malvern Bank N.a. close my account?

Does Malvern Bank N.a. Report to credit bureaus?

Does Malvern Bank N.a. Use Equifax?

What is Malvern Bank N.a.'s ACH Routing Number?

What is Malvern Bank N.a.'s SWIFT code?

Products

Does Malvern Bank N.a. offer mortgages?

Compare mortgage rates here.

Does Malvern Bank N.a. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Malvern Bank N.a. offer personal loans?

Compare personal loan rates here.

Does Malvern Bank N.a. offer student loans?

Will Malvern Bank N.a. cash a check?

Will Malvern Bank N.a. redeem a savings bond?

Does Malvern Bank N.a. cash savings bonds?

Will Malvern Bank N.a. cash money orders?

Can Malvern Bank N.a. issue a money order?

Does Malvern Bank N.a. do currency exchange?

Background on The Bank

Who owns Malvern Bank N.a.?

How long has Malvern Bank N.a. been around?

Can Malvern Bank N.a. transfer to other banks?

Does Malvern Bank N.a. have quick pay?

Does Malvern Bank N.a. accept rolled coins?

Will Malvern Bank N.a. accept loose change?

Where is Malvern Bank N.a. headquarters?

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