BlastPoint's Banking Scorecard
Malvern Bank
Micro
Specialty: Commercial
IA
FDIC cert 14230
Designations: ✓ Community bank
Malvern, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Malvern Bank shows strong momentum with 1 strength and 5.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 28.46% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$242.0M
+5.2% YoY
+5.2% QoQ
|
+$24.5M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$203.7M
+4.8% YoY
+4.5% QoQ
|
+$64.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$197.8M
+6.9% YoY
-0.0% QoQ
|
+$14.1M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.34%
+41.8% YoY
-1.4% QoQ
|
+0.26% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
3.91%
+11.5% YoY
-0.1% QoQ
|
+0.06% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
61.72%
-11.9% YoY
+0.5% QoQ
|
-6.00% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.41%
-32.3% QoQ
|
-0.23% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
102.99%
-1.9% YoY
+4.5% QoQ
|
+28.46% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.70%
-27.3% YoY
-7.8% QoQ
|
-12.70% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.57%
+11.1% QoQ
|
+0.11% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
10.57%
-0.3% YoY
-4.4% QoQ
|
+1.72% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.29%
-5.9% YoY
+35.3% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
102.99%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Loan-to-Deposit Ratio
Current: 102.99% · Tier avg: 74.53%
75
75th pctile
Total Loans
Current: $203.7M · Tier avg: $139.2M
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
62
62th pctile
Efficiency Ratio
Current: 61.72% · Tier avg: 67.73%
61
61th pctile
Total Assets
Current: $242.0M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $197.8M · Tier avg: $183.7M
55
55th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.85%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.57% · Tier avg: 8.85%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.70% · Tier avg: 22.39%
Top Weaknesses
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.70% · Tier avg: 22.39%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.57% · Tier avg: 8.85%
55
55th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.85%
59
59th pctile
Total Deposits
Current: $197.8M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $242.0M · Tier avg: $217.5M
62
62th pctile
Efficiency Ratio
Current: 61.72% · Tier avg: 67.73%
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
75
75th pctile
Total Loans
Current: $203.7M · Tier avg: $139.2M
93
93th pctile
Loan-to-Deposit Ratio
Current: 102.99% · Tier avg: 74.53%