Side-by-side · Q2 2026 data
First State Bank vs The Malvern National Bank
Metric by metric
| Measure | First State Bank | The Malvern National Bank |
|---|---|---|
| TellerScore | 71 | 71 |
| Capital cushion | 64 (stronger) | 44 |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 45 | 61 (stronger) |
| Funding & liquidity | 55 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 47th | 47th |
| Total assets | $665.4M | $728.4M |
| Deposits / shares | $547.0M | $655.4M |
| Capital ratio | 11.42% (stronger) | 9.45% |
| Problem loans | 0.04% (stronger) | 0.09% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.62% | 1.02% (stronger) |
| Loans ÷ deposits | 83.2% | 59.6% (stronger) |
| Uninsured deposits | 34.8% | 34.2% (stronger) |
| Offices | 5 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | 10.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and The Malvern National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.