Total Assets
$222M
Total balance-sheet footings
FDIC Cert #7590 · Malvern, Pennsylvania · Est. 1884
The National Bank of Malvern - FDIC Bank Health Profile
A community-scale look at The National Bank of Malvern's own numbers, pulled straight from its quarterly FDIC Call Report.
- $222M
- Total assets
- A
- Health grade · Excellent
- 2.01%
- Return on assets
- 16.4%
- Tier 1 capital
Data updated July 2026
The verdict
The National Bank of Malvern earns a PlainBankData health grade of A (97/100), with well-capitalized at 16.36% Tier 1, profitable at 2.01% ROA, efficient (52% cost ratio).
- #2,885
- largest of 4,313 FDIC banks by assets
- 33rd
- percentile by asset size, nationally
- 16.36%
- Tier 1 ratio - above the 10% well-capitalized line
- 91st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The National Bank of Malvern's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The National Bank of Malvern's composite health score
Tier 1 Capital Ratio (16.36%) 40/40
Return on Assets (ROA) (2.01%) 25/25
Texas Ratio (0.66%) 20/20
Efficiency Ratio (51.63%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$186M
Customer-funded liabilities
Net Loans
$142M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The National Bank of Malvern ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The National Bank of Malvern's score of 97/100 falls in the highlighted band.
The National Bank of Malvern's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The National Bank of Malvern's $222M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.36% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.36%
Texas Ratio
0.66%
Equity Capital
$35M
Profitability metrics
Return on Assets (ROA)
91st percentile nationally
2.01%
Return on Equity (ROE)
13.21%
Efficiency Ratio
51.63%
What the numbers say about The National Bank of Malvern
The National Bank of Malvern is an FDIC-insured institution (Certificate #7590) headquartered in Malvern, Pennsylvania, established in 1884. It holds $222M in total assets - 2,885th of 4,313 FDIC-insured banks, $186M in customer deposits, and $142M in net loans. Looking at capital strength, Tier 1 stands at 16.36%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.66%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (97/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Pennsylvania, The National Bank of Malvern ranks 92nd of 112 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$12M
Interest Income
$341K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The National Bank of Malvern reports a Texas Ratio of 0.66% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.66% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The National Bank of Malvern (FDIC Cert #7590) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is The National Bank of Malvern's health grade?▼
The National Bank of Malvern receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The National Bank of Malvern?▼
The National Bank of Malvern holds $222M in total assets and $186M in deposits, ranking 2,885th of 4,313 FDIC-insured banks by asset size. It is headquartered in Malvern, Pennsylvania.
Is my money safe at The National Bank of Malvern?▼
Yes, deposits at The National Bank of Malvern (Certificate #7590) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The National Bank of Malvern's Tier 1 Capital Ratio?▼
The National Bank of Malvern has a Tier 1 Capital Ratio of 16.36%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The National Bank of Malvern?▼
The National Bank of Malvern has a Texas Ratio of 0.66%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The National Bank of Malvern?▼
The National Bank of Malvern has an Efficiency Ratio of 51.63%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The National Bank of Malvern's profile as a depositor or analyst.
- The National Bank of Malvern's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The National Bank of Malvern against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.