MVB Bank, Inc
Total assets
$3.50B
▲ +10.0% YoY
Deposits
$3.12B
▲ +10.9% YoY
Loans
$2.45B
▲ +14.8% YoY
Offices
7
MVB FINANCIAL CORP
ROA (annualized)
1.43%
peers 1.26%
ROE (annualized)
14.24%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | MVB Bank, Inc | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +5.5% | +4.5 pts |
| Deposit growth (YoY) | +10.9% | +5.1% | +5.9 pts |
| Loan growth (YoY) | +14.8% | +5.9% | +8.9 pts |
| ROA | 1.43% | 1.26% | +0.2 pts |
| ROE | 14.2% | 12.2% | +2.1 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
Profile
- Established
- 1999
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MVB FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 301 Virginia Ave, Fairmont, WV, 26554
- County
- Marion
- Metro area
- Fairmont, WV
- Offices
- 7
- FDIC cert #
- 34603
- RSSD ID
- 2757205
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.50B | $3.12B | $2.45B | $332.4M | $24.0M | 1.43% | 4.11% | 0.86% |
| Q1 2026 | $3.28B | $2.90B | $2.38B | $325.9M | $8.2M | 1.00% | 3.98% | 1.08% |
| Q4 2025 | $3.27B | $2.85B | $2.32B | $351.1M | $45.8M | 1.46% | 3.89% | 0.96% |
| Q3 2025 | $3.19B | $2.78B | $2.24B | $343.6M | $36.0M | 1.55% | 3.86% | 0.84% |
| Q2 2025 | $3.18B | $2.81B | $2.13B | $321.7M | $14.0M | 0.91% | 3.86% | 1.28% |
| Q1 2025 | $2.97B | $2.59B | $2.04B | $329.5M | $9.4M | 1.24% | 4.00% | 1.38% |
| Q4 2024 | $3.09B | $2.71B | $2.08B | $320.4M | $35.9M | 1.09% | 3.72% | 0.89% |
| Q3 2024 | $3.38B | $3.01B | $2.15B | $325.7M | $22.7M | 0.90% | 3.76% | 0.87% |
Loan mix (Q2 2026): real estate $1.95B · commercial $481.6M · consumer $36.7M · securities $437.0M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | MVB Bank, Inc | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.26% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 12.2% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.70% | 74th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 59.0% | 66th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | MVB Bank, Inc | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | MVB Bank, Inc | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | MVB Bank, Inc | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | MVB Bank, Inc | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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