The Malvern National Bank

Headquarters

501 S Main St
Malvern, AR 72104
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 4.35% →
1-Year CD N.A. 5.00% →
2-Year CD N.A. 4.75% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

The Malvern National Bank is an FDIC insured institution located in Malvern, AR. It was founded in 1934 and has approximately $0.65 billion in assets. Customers can open an account at one of its 15 branches.

FDIC Insured Yes
FDIC Certificate # 14644
Date Established 1934
Assets $ 651.61 million
Loans $ 294.00 million
Deposits $ 545.68 million
Capital $ 50.88 million
 

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.

Deposit Rates - January 28, 2023

Your Current Location: Virginia, VA 20146

 

Loan Rates - January 28, 2023

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 2023

Lender APR Rate (%) Monthly
Payment
Learn More
PADDIO
NMLS ID: 1907
6.048% 5.875%
0.88 points
$4,688 fees
$1,479 Learn More
PenFed Credit Union
NMLS ID: 401822
5.317% 5.250%
0.75 points
$1,875 fees
$1,381 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.126% 6.990%
0.88 points
$3,438 fees
$1,662 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168

points
fees
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 6.990 %
After Intro: 8.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.740 %
$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



Climate Initiatives

The Malvern National Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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
1.5% 4.06%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 June 30, 2022, The Malvern National Bank had $872,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $50,876,000 in equity and $7,227,000 in loans loss reserves. That gives it a Texas Ratio of 1.5%.

Return on Equity
The Malvern National Bank U.S. Bank Average
7.37% 9.98%

The Malvern National Bank has a Return on Equity of 7.37% versus the BestCashCow average of 9.98%. 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
7.81% 10.23%

The Malvern National Bank has a Capitalization of 7.81% versus the BestCashCow average of 10.23. 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 June 30, 2022, The Malvern National Bank had assets of $651,605,000, loans of $293,996,000, and deposits of $545,677,000. 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

June 30, 2022
ASSETS
Cash & Balances due from depository institutions $ 53.89 million
Interest-bearing balances $ 36.55 million
Total securities $ 260.01 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 294.00 million
Loan loss allowance $ 7.23 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 29.68 million
     Total Assets $ 600.73 million
LIABILITIES
Total deposits $ 545.68 million
      Interest-bearing deposits $ 413.90 million
      Deposits held in domestic offices $ 545.68 million
      % insured (estimated) 70.51%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 52.04 million
Subordinated debt N.A.
All other liabilities $ 3.02 million
      Total Liabilities $ 600.73 million
      Shareholders’ Equity $ 50.88 million

Summary Income Statement

June 30, 2022
INCOME AND EXPENSES
Total Interest Income $ 8.54 million
Total Interest Expense $ 1.23 million
Net interest income $ 7.31 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.62 million
Total non interest expense $ 7.07 million
Pre-tax Net Operating Income $ 1.86 million

Bank Loan Profile?

The top three loan types in The Malvern National Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial 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 21.37
Multifamily
Mortgages
5.72
Credit Card Loans 0.00
Consumer Auto Loans 0.27
Small Business Loans 11.63
Construction and Development Loans 12.83
Commercial Real Estate 42.06
Commercial and Industrial Loans 13.71
Farm Loans 2.10

Customer Reviews for The Malvern National Bank


  • June 15, 2019

    My aunt was treated horrible by okd gray headed teller with glasses at malvern national bank down town and this big fat black man with a too little shirt on and jeans sagging and tammie. This bank is racist with an uncle Tom

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