BlastPoint's Banking Scorecard
The Malvern National Bank
Community
Specialty: Commercial
AR
FDIC cert 14644
Malvern, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
The Malvern National Bank shows strong momentum with 2 strengths and 8.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 34% in Community
- + Loan-to-Deposit Ratio 24.68% below 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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$712.5M
+8.8% YoY
+1.3% QoQ
|
-$678.9M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$371.1M
+2.2% YoY
-1.6% QoQ
|
-$604.3M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$635.7M
+12.6% YoY
+1.3% QoQ
|
-$528.9M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.91%
+26.1% YoY
-0.2% QoQ
|
-0.26% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.15%
+5.8% YoY
+0.8% QoQ
|
-0.52% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
72.25%
-7.1% YoY
-0.0% QoQ
|
+9.62% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.09%
-24.0% YoY
+26.2% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
58.38%
-9.2% YoY
-2.9% QoQ
|
-24.68% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.76%
-10.5% YoY
-2.0% QoQ
|
-7.29% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.28%
-18.0% YoY
+1.9% QoQ
|
-0.22% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
14.34%
+2.7% YoY
+2.4% QoQ
|
+4.10% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.39%
-5.8% YoY
+32.7% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#127 of 371 · Top 34% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 8%
in Community
Why this stands out
Current:
58.38%
(Tier avg: 83.06%, 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
92
92th pctile
Loan-to-Deposit Ratio
Current: 58.38% · Tier avg: 83.06%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.34% · Tier avg: 10.24%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
31
31th pctile
Total Deposits
Current: $635.7M · Tier avg: $1.2B
28
28th pctile
Total Assets
Current: $712.5M · Tier avg: $1.4B
22
22th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.66%
22
22th pctile
Efficiency Ratio
Current: 72.25% · Tier avg: 62.63%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.76% · Tier avg: 21.05%
11
11th pctile
Total Loans
Current: $371.1M · Tier avg: $975.5M
Top Weaknesses
11
11th pctile
Total Loans
Current: $371.1M · Tier avg: $975.5M
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.76% · Tier avg: 21.05%
22
22th pctile
Efficiency Ratio
Current: 72.25% · Tier avg: 62.63%
22
22th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.66%
28
28th pctile
Total Assets
Current: $712.5M · Tier avg: $1.4B
31
31th pctile
Total Deposits
Current: $635.7M · Tier avg: $1.2B
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.34% · Tier avg: 10.24%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
92
92th pctile
Loan-to-Deposit Ratio
Current: 58.38% · Tier avg: 83.06%