# MALVERN NATIONAL BANK
MALVERN, AR · FDIC certificate 14644 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $728.4M | |
| Deposits | $655.4M | |
| Loans and leases | $398.4M | |
| Total equity | $67.9M | |
| Loans / deposits | 59.55% (p12 of band) | 82.04% |
| Liquid assets / assets | 40.41% (p83 of band) | |
| Uninsured deposits / deposits | 34.18% (p77 of band) | 25.97% |
| Brokered deposits | 2.65% | |
| Wholesale funding | 2.65% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.45% (p22 of band) | 10.81% |
| Unrealized securities loss / equity | -1.42% (p83 of band) | -8.10% |
| AOCI / equity | -1.24% (p17 of band) | |
| ROA (annualized) | 1.02% (p34 of band) | 1.28% |
| Net interest margin | 3.28% (p18 of band) | 3.91% |
| Efficiency ratio | 68.84% (p70 of band) | |
| Noncurrent loans | 0.09% (p23 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | 2153.46% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 74.92% (p75 of band) | |
| Auto loans | $840,000 (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 125 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent, capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 1 |  | noncurrent p90 |
| 2015-03 | 2 | capital falling, expense ratio p90 | reserve under noncurrent |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2018-03 | 2 | capital falling | noncurrent p90, reserve under noncurrent |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | expense ratio p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 2 | wholesale funding >15% |  |
| 2020-06 | 2 | charge-offs p90 | wholesale funding >15% |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | charge-offs p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 1 |  | NIM <2.5% |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 0 |  | NIM <2.5% |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-07-19 [The Banker Behind Malvern National Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMidkFVX3lxTE14SllWZXdOTzg4S3oxdlJ5N2JBU1RJNU1rQjlBazdNQk82UXBIRTd3VnJ3QWJXU2NuNWF0VlI1Yk4xVFE3eTVScWFtTnVhTDRWdHVmOURTb1JhQXhUNWJuRjk4LXhVSWZoOHpGX1ZUcl92cXBCX0E?oc=5) · Arkansas Money &amp; Politics
- 2022-06-08 [Kyle Keeney Named Chief Credit Officer at Malvern National Bank - Arkansas Business](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPYmp5T2hFMTNHdUJfTWh1ZV8wWWlIWVBsYzg3WnpyTmlRaHRKcWtsNXNCd3llNUc3aFI5VUZZOTNDNW1YV2doeENRVkpzbktrRXBrRURIOUN5cHBWcVhzOWJTaF9HVmU3aWQwbExzR3d6eDI3aFdlelBXOEhLcWFYOUJla0RoUmhkNkFmVDJnelVPVWdlMU9vMExBaXVwUmlsUHhvUTJCOW4?oc=5) · Arkansas Business
- 2023-08-25 [MNB Announces Newest Consumer Lending Officer - malvern-online.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPUEs4OWtmZndFYUlRT3hFdDhZYU1ROFVfbHdLeF84UGh3dXhmLVFtT3RKOUc3SVJBUjFkc0dGdThzSUpsNE9TQUN6WnFqWG52Znp2UDNKaldoZVVyejNfMldzWHRoLUVQZlVKVWhfRXJuN3JUZDJwZ2pYdFlHbGhGSFJuYWlteEIxV1Z5WHZjNm1DMmtIVHJ0VUkzWTBLTC1CV0RQS2pwWFlkNkNsaWJEQVlMcEVwTTdySFBocFoyQnFyVEQ2NC1HWU1NMUpHLWVpMk9N?oc=5) · malvern-online.com
- 2021-03-08 [Black named new president of Malvern National Bank - Hot Springs Sentinel Record](https://news.google.com/rss/articles/CBMilAFBVV95cUxNdE1PQzdoQjk3TEVqY2w1OVRvN1pzbTRMUFBxeHd1WEFtRE9pV1FvX0V6SXByWDRoOGdHdkZZcnlNQjdfcDlZX1VCSHhnelAtcy1WU2xDaVhIU0d4NVZVYjBpVDJ0c05ORUpaRFlEdVNvTHBtYThBaXdIWXFOM1pWODZXUXRHcUxMSU92OWFhNk9pRlBV?oc=5) · Hot Springs Sentinel Record
- 2025-04-21 [Bank ordered to face jury over failed $350k loan deal - mpamag.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNNGlsS19sOWJuc1NJTHo2c0NENkY4WlVucHBURkIxYmxCWWdGaEtGQzF1bW94TjJSMEd2eE5SMnBNbXAyZi1qQ1RsV1c1Vl9ycUFpcEJ6TVVRekloVEtJMkdxbFFROFhZNHktb256bG1meDVjRTAzdW9Hd3dJSERWSFRrcjRWUEtkeWpiRmRQa0EzUjJveTVtWUZLLTVQbWFlbVM0QWktM2RYdw?oc=5) · mpamag.com
- 2014-06-16 [Malvern National Bank Robbed, Two Suspects Wanted by Police - FOX16.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNalRCV0hhZkgzNlNMRWxneVJ1dmR2V0FJeXlHUVYyUTB3MnFVT1g1WjB0YU1ucXBmVnBxaVcwWlhrU1JfRWNDTlFVRzVYSEQtTG5MWDFnYmd0TUJCTUZhM2FkRTNueVFSczJ4ZGJReFhvOVJacWM3M0hLUXBIbUJ4VUtoTFNZY1AteFc3YkRNUdIBlAFBVV95cUxOclB4OTJQSEFrenRHMXloQW13VUJrUTRZVjREWjJmeVE5TjBRbF9jOW9WampKdFhMQ3ppTTlic29ydi1TalgwZnM2OEU0VFFPQzNBUEQ2b0o5UUI0OHFxUFBicXlBdlVhbWtZeGtoUEhrSmpqN3JMMGRycmZhWElwOVhMX2NBUk8xcVY0V0lLeXdfcDMw?oc=5) · FOX16.com
- 2025-09-12 [2025 AMP Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE81Sm13alpKZWpKWWFwNEpEdWtIVDZqYUxLQ2hNb2VVWDFUWDdiVUlxZUxLaTlrNHZEOHJucHlxMDlhX3F1ZjBTbW4weG4xdWpXSFd2NTJCNHlSXzJhM0dSV1RLNUZkN3Az?oc=5) · Arkansas Money &amp; Politics
- 2023-09-28 [MNB begins work on outdoor "Pocket Park" - malvern-online.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxPM1FHTlVCeUV1aFF2aDdiM0dQT1pEVlVvZmRZY3QxX190ejZlNExiT1Q1em0zeWZLQ3hjU1ZleFgyQ2gxMmJrbzZiU2FPdXZiRHBlX3pESE5zZHpnNG9tMEdLSjhyNUFwOExaOUszczIxNFhpNlVVTnJpMXo0ZVVNaHdPSHFCSnljN3RBUkthbzFMRkNpcGU4VGZ4Uk9OUkVnT2FyQ2VZYTVNRlNRNHFJdnpzYlVqNmtBMTc3VXoyaHZwSjJzMTNaaU1B?oc=5) · malvern-online.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14644 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "14644", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide