BlastPoint's Banking Scorecard
The National Bank of Malvern
Micro
Specialty: Other
PA
FDIC cert 7590
Designations: ✓ Community bank
Malvern, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
The National Bank of Malvern shows strong momentum with 1 strength and 8.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.93% 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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$222.4M
+8.7% YoY
+1.8% QoQ
|
+$4.9M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$141.6M
-2.7% YoY
+1.3% QoQ
|
+$2.4M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$185.9M
+7.2% YoY
+1.7% QoQ
|
+$2.3M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
2.01%
+64.6% YoY
-9.8% QoQ
|
+0.93% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.39%
+11.8% YoY
-1.2% QoQ
|
+0.54% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
51.63%
-14.5% YoY
+2.8% QoQ
|
-16.10% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.18%
-23.6% YoY
+8.3% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
76.15%
-9.3% YoY
-0.4% QoQ
|
+1.63% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
32.99%
-6.1% YoY
+1.4% QoQ
|
+10.60% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.11%
-31.6% YoY
+7.7% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.15%
-2.5% YoY
+34.5% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.01%
(Tier avg: 1.08%, National avg: 1.12%)
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
91
91th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.08%
87
87th pctile
Efficiency Ratio
Current: 51.63% · Tier avg: 67.73%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 32.99% · Tier avg: 22.39%
75
75th pctile
Net Interest Margin
Current: 4.39% · Tier avg: 3.85%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
57
57th pctile
Total Loans
Current: $141.6M · Tier avg: $139.2M
56
56th pctile
Total Assets
Current: $222.4M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $185.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.15% · Tier avg: 74.53%
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
Top Weaknesses
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.15% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Total Deposits
Current: $185.9M · Tier avg: $183.7M
56
56th pctile
Total Assets
Current: $222.4M · Tier avg: $217.5M
57
57th pctile
Total Loans
Current: $141.6M · Tier avg: $139.2M
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
75
75th pctile
Net Interest Margin
Current: 4.39% · Tier avg: 3.85%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 32.99% · Tier avg: 22.39%
87
87th pctile
Efficiency Ratio
Current: 51.63% · Tier avg: 67.73%
91
91th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.08%