TellerScore

The Malvern National Bank (FDIC certificate #14644) is based in Malvern, Arkansas. Its Q2 2026 call report shows $728.4M in total assets and $655.4M in deposits and 15 offices.

The Malvern National Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 33rd. Problem-loan coverage contributes the most (99/100, 0.5%); capital cushion contributes the least (44/100, 9.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.45%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 59.6% · 34.2% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.49%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 71).

TellerScore
707172Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202471
Q4 202470
Q1 202572
Q2 202571
Q3 202572
Q4 202572
Q1 202672
Q2 202671
Tier 1 leverage ratio
5.00%7.46%9.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.74%
Q3 20249.91%
Q4 20249.79%
Q1 20259.77%
Q2 20259.53%
Q3 20259.55%
Q4 20259.47%
Q1 20269.48%
Q2 20269.45%
Noncurrent loans
0.07%0.10%0.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.12%
Q4 20240.11%
Q1 20250.09%
Q2 20250.08%
Q3 20250.07%
Q4 20250.08%
Q1 20260.10%
Q2 20260.09%
Return on assets
0.70%0.86%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.73%
Q4 20240.72%
Q1 20250.89%
Q2 20250.90%
Q3 20250.91%
Q4 20250.91%
Q1 20261.00%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$728.4M9.45%0.09%1.02%59.6%
Q1 202672$722.8M9.48%0.10%1.00%58.9%
Q4 202572$712.5M9.47%0.08%0.91%58.4%
Q3 202572$703.0M9.55%0.07%0.91%60.1%
Q2 202571$685.0M9.53%0.08%0.90%61.9%
Q1 202572$670.7M9.77%0.09%0.89%63.1%
Q4 202470$655.1M9.79%0.11%0.72%64.3%
Q3 202471$641.5M9.91%0.12%0.73%64.6%
Q2 202470$639.2M9.74%0.12%0.70%63.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.45%
20th
Total risk-based capital15.80%
72nd
Problem loans0.09%
74th
Net charge-offs0.01%
48th
Return on assets1.02%
35th
Net interest margin3.28%
19th
Efficiency ratio68.8%
33rd
Loans to deposits59.6%
83rd
Uninsured deposits34.2%
18th
Loan-loss reserves2.03%
94th
Texas ratio0.5%
77th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Union BankBank Mena, AR82 out of 100, Strong$710.2M11.4%0.26%vs
First State BankBank Russellville, AR71 out of 100, Strong$665.4M11.4%0.04%vs
First Western BankBank Booneville, AR60 out of 100, Moderate$792.7M8.9%0.76%vs
CS BankBank Eureka Springs, AR69 out of 100, Moderate$628.5M12.0%1.37%vs
FNBC BankBank Ash Flat, AR69 out of 100, Moderate$843.3M9.7%0.79%vs
Cross BankBank Wynne, AR54 out of 100, Below average$593.5M10.5%2.47%vs

Deposit insurance

Is my money safe at The Malvern National Bank?

Yes. The Malvern National Bank is an FDIC-insured institution (FDIC certificate #14644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.2% of deposits ($224.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.45%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.80% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

The Malvern National Bank lists 12 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Malvern National Bank reported 84 home-loan applications under HMDA (LEI 549300W6GQTN13GWDQ17): 61 originated ($20,085,000 total), 7 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Malvern National Bank
Type
National bank
FDIC certificate #
14644
RSSD ID
906241
Primary regulator
OCC
Holding company
Mnb Bancshares Inc
Established
January 1, 1934
Headquarters
501 S Main St, Malvern, AR 72104
Employees
125

Quick answers

The Malvern National Bank: common questions

Is The Malvern National Bank FDIC insured?

Yes. The Malvern National Bank is an FDIC-insured institution (FDIC certificate #14644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Malvern National Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Malvern National Bank ever failed?

There is no failure record for FDIC certificate #14644 in the FDIC failed bank list.

How many branches does The Malvern National Bank have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Malvern

InstitutionScoreAssetsCapitalProblem loansCompare
Patterson Federal Credit UnionCredit union Arkadelphia, AR96 out of 100, Very strong$38.0M17.5%0.08%vs
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Arkansas Health Center Federal Credit UnionCredit union Benton, AR91 out of 100, Very strong$9.8M16.9%0.38%vs
Peoples BankBank Sheridan, AR90 out of 100, Very strong$313.8M13.3%0.03%vs
Clearway Federal Credit UnionCredit union Malvern, AR83 out of 100, Strong$79.6M22.5%0.52%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs