The National Bank of Malvern: how it compares with its peers
Against 27 PA banks with half to twice its assets, The National Bank of Malvern's strongest measure in Q2 2026 is net interest margin (4.42% vs. a 3.26% peer median). Its weakest relative measure is return on assets (1.81% vs. 0.80%).
| Measure | The National Bank of Malvern | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.81% | 0.80% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.42% | 3.26% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.04% | 74.52% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $5.9M | Top third Ahead of 81% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.20% | 74.36% | Context |
What it means for lending operations
Its efficiency ratio of 49.04% is better than the 74.52% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- MCS Bank Milroy, PA · $225M
- Iron Workers Savings Bank Aston, PA · $217M
- Apollo Trust Company Apollo, PA · $209M
- SEI Private Trust Company Oaks, PA · $208M
- The Turbotville National Bank Turbotville, PA · $243M
Questions about The National Bank of Malvern
How big is The National Bank of Malvern?
The National Bank of Malvern, established in 1884, is headquartered in Malvern, PA. It reported $224M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The National Bank of Malvern's return on assets?
1.81% annualized in Q2 2026, against a 0.80% median for 27 PA banks with half to twice its assets, ahead of 81% of them.
What is The National Bank of Malvern's efficiency ratio?
49.04% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 74.52%, and lower is better.
Is The National Bank of Malvern growing its loans?
Net loans shrank 2.5% over the year to Q2 2026, while deposits grew 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.