| Metric | Malvern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +4.4% | +8.5 pts |
| Deposit growth (YoY) | +7.7% | +4.0% | +3.8 pts |
| Loan growth (YoY) | +12.7% | +5.6% | +7.1 pts |
| ROA | 1.45% | 1.24% | +0.2 pts |
| ROE | 16.6% | 11.9% | +4.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $253.2M | $217.7M | $215.3M | $22.1M | $1.8M | 1.45% | 3.94% | 0.32% |
| Q1 2026 | $252.3M | $220.1M | $215.2M | $22.1M | $912K | 1.48% | 3.95% | 0.08% |
| Q4 2025 | $242.0M | $197.8M | $203.7M | $21.2M | $3.1M | 1.34% | 3.91% | 0.57% |
| Q3 2025 | $230.0M | $197.8M | $194.9M | $21.4M | $2.3M | 1.36% | 3.91% | 0.51% |
| Q2 2025 | $224.4M | $202.2M | $191.0M | $21.0M | $1.5M | 1.35% | 3.89% | 0.54% |
| Q1 2025 | $224.5M | $203.0M | $189.5M | $20.6M | $762K | 1.34% | 3.76% | 0.16% |
| Q4 2024 | $230.1M | $185.0M | $194.3M | $20.2M | $2.0M | 0.95% | 3.51% | 0.02% |
| Q3 2024 | $218.7M | $185.6M | $182.8M | $19.0M | $1.3M | 0.83% | 3.43% | 0.03% |
Loan mix (Q2 2026): real estate $94.4M · commercial $57.2M · consumer $36.6M · securities $205K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Malvern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 62.9% | 40th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Malvern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Malvern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Malvern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Malvern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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