# NATIONAL BANK OF MALVERN
MALVERN, PA · FDIC certificate 7590 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $224.0M | |
| Deposits | $186.7M | |
| Loans and leases | $144.6M | |
| Total equity | $36.2M | |
| Loans / deposits | 76.20% (p55 of band) | 73.59% |
| Liquid assets / assets | 33.30% (p51 of band) | |
| Uninsured deposits / deposits | 26.90% (p74 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.55% (p84 of band) | 11.76% |
| Unrealized securities loss / equity | -3.46% (p63 of band) | -6.57% |
| AOCI / equity | -0.58% (p41 of band) | |
| ROA (annualized) | 1.81% (p80 of band) | 1.17% |
| Net interest margin | 4.42% (p73 of band) | 3.93% |
| Efficiency ratio | 49.04% (p12 of band) | |
| Noncurrent loans | 0.10% (p35 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1530.46% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 23.18% (p57 of band) | |
| Auto loans | $26,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 25 | |

## 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 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | noncurrent p90 |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | noncurrent p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 4 | noncurrent p90, charge-offs p90, uninsured deposits leaving |  |
| 2018-03 | 1 |  | noncurrent p90, charge-offs p90, uninsured deposits leaving |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | uninsured deposits leaving |  |
| 2019-03 | 1 |  | uninsured deposits leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | reserve under noncurrent, capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | uninsured deposits leaving |  |
| 2024-12 | 0 |  | uninsured deposits leaving |
| 2025-03 | 1 | uninsured deposits leaving |  |
| 2025-06 | 0 |  | uninsured deposits leaving |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2023-04-06 [OCC Hosts Minority Depository Institutions Advisory Committee Meeting April 25 and Appoints Four New Members - occ.gov](https://news.google.com/rss/articles/CBMifkFVX3lxTFBRQktDSW9CQkVqc0JHNWFjTTJfdng3NGJVb3l3T242RkZUWndEd1EtMWdRbDY1ODBCdDNEeEstMk8tUEEydlI1NmlkVTRRR0xpaXM4YU1MZGtMN2htNm41RkJNUEUxWTJORS1sanJJVHRjSjZKSktHbUZ5UXhRZw?oc=5) · occ.gov
- 2017-09-26 [Jamie Bartholomew Aller - Main Line Today](https://news.google.com/rss/articles/CBMibkFVX3lxTE1QSEZDTFY1NEpNXzR2OUpuMmJKTEdESThvMzNaUTRVcFFrTjZsX214Q0V5ajJHR3JncWlXU3BYT3FpM2VBNkI0T0RWY3hWZWNITUtkbGlPdDI1em5zVTF6c1JXS28yOG5PVGxvY0d3?oc=5) · Main Line Today
- 2024-02-16 [Pro Take: A Women-Owned Community Bank Hangs On - WSJ](https://news.google.com/rss/articles/CBMijAFBVV95cUxOYlhCdDc2Q0tsY2s0WVRhWkxtMVlsRjlqb1djQ2ZFT25Hc216M1VaV2J4N0g0ZnhjTjdrR1JXc1dIRThUZW81Tm9UR2ROUmdvYkFYYXJzRVdzVE12TFhOaXFtMEZUSjNQdUhFXzVJRUxWTzRyaXVUN2Z3Skk4aE9BdVJGaWphdnRVMEZRdg?oc=5) · WSJ
- 2021-03-05 [Women-Owned Banks in the US - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTE1zRzFoRUZmRWFSeXhpWXdEVWc5RDQzeDYyaGxNOUNjRW5MdjlqX0dnNTJteUZJU0t5SFdzTW95YzZuX2tZaHZxSk1qRzRiRUZhWWxVaEp1SXdzU09qQzJPX2RGeEI5dWw2eUtZdU1kUGc?oc=5) · Investopedia
- 2025-01-13 [Women-Led Banks: Shaping the Future of Finance with Diversity and Innovation - Business Insider](https://news.google.com/rss/articles/CBMif0FVX3lxTE1XYkpLczJyX1BZeFJPRmlCNDVROUd1SHlPYWhtaUNRY0k4WWVhVlRIVVhuLXhJSk5UWmMzVUN0WDRmdXJoaXBDUzN4MDVtbURoSkozT3NIUGZRT0xkSHdyeE1IZUdxaExlUmNGSU1jYlE2djVpUk43VEg3cm1mQjA?oc=5) · Business Insider
- 2019-09-03 [Equestrian legends to be honored at Plantation Field International event Sept. 19-22 - Daily Local](https://news.google.com/rss/articles/CBMivwFBVV95cUxPb21tUnp1UmNLVkpLSkRLUnBudEc4MVdhVGJCRVZTY1hHNzM4Z3pHTVNwY0E3eEhPb183bUt6MTNzc0xnZTZaTkg0SGtTNUhFOEd6TmxHMzFQM1ZYcmdmZndPWS0xaThxOEYtZ1pVMEVQeHJPZTlfcUJSMGRMVUdXdG1hS1BuOS1QQU9mUHlweVVkaVhWOFJtNlRGYkdYX3lSZmpXV2IzbDhkNzZqaUZCVmlfbC13LWdyYldwUUszVQ?oc=5) · Daily Local
- 2022-03-29 [Joseph Cusatis Obituary (1957 - 2022) - Hazleton, PA - Standard-Speaker - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxOdmhxYnhoNW5FVDl1cXE0SFppM1FjRGdjQU1DQ1dXNUJYU3RxRXhmVExFT2dCWnpYWjZtRzBhLVFDQ3VKMmpKbWxMR1FDdkhKMjJ3WFczdTgxS0pGcEw0LWFYdjQxWlJVeWtmY3NKWUcyVFJPSXIybG9RZjNQd2xqdkdZdXVfVkJkdGViWEkwcXhINjFRZk9DaA?oc=5) · Legacy obituary
- 2012-09-24 [Four Chester County Women of Achievement - Daily Local](https://news.google.com/rss/articles/CBMihgFBVV95cUxPMjFfemZfR1BiNWtlMnRONDFtYzZQYkU1R2VhUlZkN0luVlMtQTVUbmJaZ1p4cENGX1ZxaVhsVWJmUC1hNVBNYkZ4NEJUUXRHaHFocW9VQWxCbnpaUTV0WmdvNnhWMVRXSjZXY0xqVUplLWYwR0pPWVM1RzJidUFTVkN3SzRmUQ?oc=5) · Daily Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7590 (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/38.json (key "7590", 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