THE MALVERN NATIONAL BANK

MALVERN, AR · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1934FDIC #14,644

Satisfactory

Current rating · Exam: January 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.00%

Institution Profile

FDIC BankFind

Website

www.mnbbank.com

Address

501 S Main St, MALVERN, AR

County

Hot Spring County

Established

January 1, 1934

Total Assets

$723M(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

January 28, 1994

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$723M

Total Deposits

$652M

Net Loans

$384M

Net Income

$2M

ROA

1.00%

ROE

10.90%

Risk-Based Capital

15.68%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate13.58%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$613M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	81	58.02%	13.58%
2023	60	70%	20.00%
2019	84	75%	9.52%
2018	92	78.26%	6.52%

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

This is the only examination on record for this bank.

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