The Malvern National Bank

501 S. Main Street
Malvern, AR 72104

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14644
Date Established 1934
Assets $0.53 billion
Loans $0.30 billion
Deposits $0.44 billion
Capital $0.05 billion

The Malvern National Bank is an FDIC insured institution located in Malvern, AR. It was founded in 1934 and has approximately $0.53 billion in assets. Customers can open an account at one of its 15 branches.

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

Bank Loan Profile?

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

Compared to other banks in Arkansas, The Malvern National Bank has a significantly higher percent of Multifamily Mortgages, 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 14.37
Multifamily
Mortgages
14.68
Credit Card Loans 0.00
Consumer Auto Loans 0.37
Small Business Loans 9.54
Construction and Development Loans 9.32
Commercial Real Estate 46.28
Commercial and Industrial Loans 10.24
Farm Loans 1.07

Deposit Rates - May 26, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $10,000 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.15% $500 - Learn MoreShow Less
6 Mo CD
0.25% $500 - Learn MoreShow Less
12 Mo CD
0.40% $500 - Learn MoreShow Less
18 Mo CD
0.50% $500 - Learn MoreShow Less
24 Mo CD
0.65% $500 - Learn MoreShow Less
30 Mo CD
0.75% $500 - Learn MoreShow Less
36 Mo CD
1.00% $500 - Learn MoreShow Less
48 Mo CD
1.21% $500 - Learn MoreShow Less
60 Mo CD
1.51% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.50% $50 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.40% $50 - Learn MoreShow Less

Loan Rates - May 26, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Malvern National Bank

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#2890
NMLS ID: 2890
License#: MC-3098
3.902% 3.875% 0.38 $832 $1,176 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to The Malvern National Bank
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Branches

The Malvern National Bank 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


The Malvern National Bank Locations


Financial Details

The Malvern National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Malvern National Bank. 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
The Malvern National Bank U.S. Bank Average
5.61% 6.97%

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 December 31, 2018, The Malvern National Bank had $1,607,000 in non-current loans and $1,559,000 in owned real estate. To cover these potential losses it had $50,531,000 in equity and $5,862,000 in loans loss reserves. That gives it a Texas Ratio of 5.61%.

Return on Equity
The Malvern National Bank U.S. Bank Average
6.05% 8.80%

The Malvern National Bank has a Return on Equity of 6.05% versus the BestCashCow average of 8.80%. 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
The Malvern National Bank U.S. Bank Average
9.52% 12.29%

The Malvern National Bank has a Capitalization of 9.52% versus the BestCashCow average of 12.29. 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.

The Malvern National Bank Balance Sheet Analysis

As of December 31, 2018, The Malvern National Bank had assets of $530,615,000, loans of $300,422,000, and deposits of $442,032,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.17 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.30 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 $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.03 billion
     Total Assets $0.48 billion
LIABILITIES
Total deposits $0.44 billion
      Interest-bearing deposits $0.38 billion
      Deposits held in domestic offices $0.44 billion
      % insured (estimated) 72.85%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.48 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About The Malvern National Bank

Branches and Savings

Is The Malvern National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #14644.

Why does The Malvern National Bank pay such low interest on savings accounts?

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

Why are The Malvern National Bank CD rates not competitive?

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

Is The Malvern National Bank a commercial bank?

Yes

Where are The Malvern National Bank locations?

See branch locations nearby.

Is The Malvern National Bank open on Saturdays?

Is The Malvern National Bank open on Sundays?

What time does The Malvern National Bank open?

What time does The Malvern National Bank close?

Are The Malvern National Bank ATMs Open 24/7?

Do The Malvern National Bank ATMs accept cash deposits?

Can The Malvern National Bank customers use other ATMs?

Do The Malvern National Bank branches have notaries?

Will The Malvern National Bank notarize my document?

What address for The Malvern National Bank should I put for incoming ACH transfers?

Will the The Malvern National Bank branch print checks?

Do The Malvern National Bank checks expire?

Does The Malvern National Bank require US citizenship to open account?

Can The Malvern National Bank close my account?

Does The Malvern National Bank Report to credit bureaus?

Does The Malvern National Bank Use Equifax?

What is The Malvern National Bank's ACH Routing Number?

What is The Malvern National Bank's SWIFT code?

Products

Does The Malvern National Bank offer mortgages?

Compare mortgage rates here.

Does The Malvern National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Malvern National Bank offer personal loans?

Compare personal loan rates here.

Does The Malvern National Bank offer student loans?

Will The Malvern National Bank cash a check?

Will The Malvern National Bank redeem a savings bond?

Does The Malvern National Bank cash savings bonds?

Will The Malvern National Bank cash money orders?

Can The Malvern National Bank issue a money order?

Does The Malvern National Bank do currency exchange?

Background on The Bank

Who owns The Malvern National Bank?

How long has The Malvern National Bank been around?

Can The Malvern National Bank transfer to other banks?

Does The Malvern National Bank have quick pay?

Does The Malvern National Bank accept rolled coins?

Will The Malvern National Bank accept loose change?

Where is The Malvern National Bank headquarters?

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