🏦Bank Scorer

MALVERN BANK

MALVERN, IA · Supervised by FDIC

Est. 1892FDIC #14,230RSSD: FDIC-14230
Part ofMALVERN BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.48%

Institution Profile

FDIC BankFind

Address

404 Main St, MALVERN, IA

County

Mills County

Established

January 1, 1892

Total Assets

$252M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$252M

Total Deposits

$220M

Net Loans

$215M

Net Income

$912K

ROA

1.48%

ROE

16.85%

Risk-Based Capital

11.59%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate6.06%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$202M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246686.36%6.06%
20237592%5.33%
20227353.42%15.07%
202112663.49%7.14%
202018461.96%11.41%
201924758.7%14.17%
201815442.86%21.43%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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