The National Bank of Malvern

King And Warren Streets
Malvern, PA 19355

Notable Rates APY Vs.Others
Savings 0.08% 1.90% →
1-Year CD 1.40% 1.90% →
2-Year CD 1.86% 1.95% →
5-Year CD N.A. 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

The National Bank of Malvern is an FDIC insured institution located in Malvern, PA. It was founded in 1884 and has approximately $0.16 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 7590
Date Established 1884
Assets $ 156.47 million
Loans $ 110.51 million
Deposits $ 132.25 million
Capital $ 23.77 million
 

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

Deposit Rates - April 9, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $2,500 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $24,999 Learn MoreShow Less
Money Market
0.40% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
1.00% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.40% $500 - Learn MoreShow Less
Special: 15 Mo FIRA
1.50% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.08% $1,000 - Learn MoreShow Less

Loan Rates - April 9, 2020

Your Current Location: Connecticut, CT 06828

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

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.167% 4.125% 0.00 $1,250 $1,212 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to The National Bank of Malvern
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

The National Bank of Malvern 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:
Fairfield,Connecticut


The National Bank of Malvern Locations


Financial Details

The National Bank of Malvern Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The National Bank of Malvern. 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 National Bank of Malvern U.S. Bank Average
10.74% 6.51%

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 December 31, 2019, The National Bank of Malvern had $2,704,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $23,771,000 in equity and $1,413,000 in loans loss reserves. That gives it a Texas Ratio of 10.74%.

Return on Equity
The National Bank of Malvern U.S. Bank Average
7.51% 9.41%

The National Bank of Malvern has a Return on Equity of 7.51% versus the BestCashCow average of 9.41%. 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 National Bank of Malvern U.S. Bank Average
15.19% 12.82%

The National Bank of Malvern has a Capitalization of 15.19% versus the BestCashCow average of 12.82. 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 National Bank of Malvern Balance Sheet Analysis

As of December 31, 2019, The National Bank of Malvern had assets of $156,469,000, loans of $110,511,000, and deposits of $132,246,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $ 13.33 million
Interest-bearing balances $ 11.63 million
Total securities $ 28.39 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 110.51 million
Loan loss allowance $ 1.41 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 $ 1.48 million
     Total Assets $ 132.70 million
LIABILITIES
Total deposits $ 132.25 million
      Interest-bearing deposits $ 94.22 million
      Deposits held in domestic offices $ 132.25 million
      % insured (estimated) 79.26%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.45 million
      Total Liabilities $ 132.70 million
      Shareholders’ Equity $ 23.77 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 6.28 million
Total Interest Expense $ 0.97 million
Net interest income $ 5.31 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.38 million
Total non interest expense $ 3.49 million
Pre-tax Net Operating Income $ 2.20 million

Bank Loan Profile?

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

Compared to other banks in Pennsylvania, The National Bank of Malvern has a significantly higher percent of Multifamily Mortgages 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 35.53
Multifamily
Mortgages
7.50
Credit Card Loans 0.00
Consumer Auto Loans 0.05
Small Business Loans 15.90
Construction and Development Loans 3.18
Commercial Real Estate 23.98
Commercial and Industrial Loans 1.33
Farm Loans 0.00

Frequently Asked Questions About The National Bank Of Malvern

Branches and Savings

Is The National Bank Of Malvern FDIC insured?

Yes. It is covered under FDIC Certificate #7590.

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

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

Why are The National Bank Of Malvern CD rates not competitive?

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

Is The National Bank Of Malvern a commercial bank?

Yes

Where are The National Bank Of Malvern locations?

See branch locations nearby.

Is The National Bank Of Malvern open on Saturdays?

Is The National Bank Of Malvern open on Sundays?

What time does The National Bank Of Malvern open?

What time does The National Bank Of Malvern close?

Are The National Bank Of Malvern ATMs Open 24/7?

Do The National Bank Of Malvern ATMs accept cash deposits?

Can The National Bank Of Malvern customers use other ATMs?

Do The National Bank Of Malvern branches have notaries?

Will The National Bank Of Malvern notarize my document?

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

Will the The National Bank Of Malvern branch print checks?

Do The National Bank Of Malvern checks expire?

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

Can The National Bank Of Malvern close my account?

Does The National Bank Of Malvern Report to credit bureaus?

Does The National Bank Of Malvern Use Equifax?

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

What is The National Bank Of Malvern's SWIFT code?

Products

Does The National Bank Of Malvern offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does The National Bank Of Malvern offer personal loans?

Compare personal loan rates here.

Does The National Bank Of Malvern offer student loans?

Will The National Bank Of Malvern cash a check?

Will The National Bank Of Malvern redeem a savings bond?

Does The National Bank Of Malvern cash savings bonds?

Will The National Bank Of Malvern cash money orders?

Can The National Bank Of Malvern issue a money order?

Does The National Bank Of Malvern do currency exchange?

Background on The Bank

Who owns The National Bank Of Malvern?

How long has The National Bank Of Malvern been around?

Can The National Bank Of Malvern transfer to other banks?

Does The National Bank Of Malvern have quick pay?

Does The National Bank Of Malvern accept rolled coins?

Will The National Bank Of Malvern accept loose change?

Where is The National Bank Of Malvern headquarters?

Customer Reviews for The National Bank of Malvern

There are currently no comments for The National Bank of Malvern. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →