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The Malvern National Bank

IDRSSD: 906241
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
94
/ 100
StrongAs of 2025-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #906241 2025-Q2 Vital Signs Score: 94/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.68% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 3.8%, loans/deposits 61.9%, cash 1.7% of assets.

Cash / Assets
1.68%
Loans / Deposits
61.90%
Brokered %
3.76%

Watch Items

  • watchCash / Assets below 3% — Cash 1.68% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.73%
No watch items at this period.

Capitalization

StrongQoQ +1
94
Sub-score

Capital position is strong: Tier 1 RBC 13.76%, CET1 13.76%, leverage 9.53%.

Tier 1 RBC
13.76%
CET1
13.76%
Leverage
9.53%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.09%, Texas Ratio 0.4%, NCO YTD 0.00%.

Adjusted NPL
0.09%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
0.00%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.98% of loans, coverage 2354.2%, true coverage 2354.2%.

ALLL / Loans
1.98%
Coverage
2354.2%
True Loss Coverage
2354.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 19:36:20 UTC