MVB Bank, Inc.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
MVB Bank, Inc., based in Fairmont, West Virginia, reported $3.5 billion in assets at June 30, 2026, up 10.0% from a year earlier. It grew its loan book 15.0% over the year, 2.5 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 8.4% of the capital and reserves that would absorb them, 2.3 times the median of 3.6% for banks its size.
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $10 million on paper in the quarter, out of $21 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.18% of loans, down from 1.81% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, MVB Bank, Inc. reported a return on assets of 1.84%, a nonperforming-loan ratio of 1.18% and a Texas ratio of 8.39%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 301 Virginia Ave, Fairmont, WV 26554
- County
- Marion
- Metro Area
- Fairmont, WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 4, 1999
- Offices
- 7 domestic
- Employees (FTE)
- 286
- Domestic deposits
- $3.12B
- Allowance for credit losses
- $28.2M
- Net charge-offs (YTD)
- $2.9M
- Average total assets
- $3.42B
- Average total loans
- $2.44B
- Average interest-bearing deposits
- $1.98B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 4, 1999
- FDIC Cert
- 34603
- Fed RSSD
- 2757205
- SEC CIK
- 1277902 → filed by MVB FINANCIAL CORP.
- Website
- www.mvbbanking.com →
- Parent Holding Company
- MVB FINANCIAL CORP. (RSSD 3211601) · MVBF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Larry F Mazza | CEO | President & CEO |
| Sumbs Michael Robert | CFO | Chief Financial Officer |
| Giorgio Michael Louis | COO | CIO and COO |
| Rodriguez Joseph Ryan | CRO | Chief Risk and Legal Officer |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full MVB Bank, Inc. terminal
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Unlock MVB Bank, Inc., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
MVB Bank, Inc. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.27% | 1.84% | 1.39% | 8.39% | 4.17% |
| Q1 2026 | 10.15% | 0.96% | 1.66% | 10.19% | 3.76% |
| Q4 2025 | 11.14% | 1.18% | 1.35% | 8.42% | 3.80% |
| Q3 2025 | 11.10% | 2.71% | 1.77% | 7.35% | 3.66% |
| Q2 2025 | 11.38% | 0.59% | 1.64% | 11.92% | 3.75% |
| Q1 2025 | 10.93% | 1.15% | 1.81% | 11.83% | 3.68% |
| Q4 2024 | 11.18% | 1.69% | 1.80% | 8.17% | 3.55% |
| Q3 2024 | 10.93% | 0.72% | 1.44% | 8.57% | 3.71% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mvb Bank, Inc | Fairmont , WV | 26554 | $1.32B |
| Suncrest Branch | Morgantown , WV | 26505 | $1.28B |
| Reston Branch | Reston , VA | 20190 | $205.8M |
| Bridgeport Branch | Bridgeport , WV | 26330 | $167.9M |
| Sabraton Branch | Morgantown , WV | 26505 | $86.7M |
| Technology Park Branch | Fairmont , WV | 26554 | $31.5M |
| Clarksburg Office Branch | Clarksburg , WV | 26301 | $27.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 4, 2020 | M&A | Acquired The First State Bank failure_government_assistance_provided for the acquired bank | SEC |
| April 4, 2020 | Structure Change | Acquired The First State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 3, 2020 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for MVB Bank, Inc., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 6.0% of deposits in WV, rank 5 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 170 applications, 41 loans originated, $34.8M originated, across 8 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $4.4M approved, $4.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about MVB Bank, Inc.
What are MVB Bank, Inc.'s total assets?
As of the Q2 2026 filing, MVB Bank, Inc. reported total assets of $3.50 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is MVB Bank, Inc. headquartered?
MVB Bank, Inc. is headquartered in Fairmont, WV, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was MVB Bank, Inc. founded?
MVB Bank, Inc. was established in 1999, per the FDIC institution directory.
Is MVB Bank, Inc. FDIC-insured?
Yes. MVB Bank, Inc. is an FDIC-insured commercial bank (FDIC Certificate #34603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates MVB Bank, Inc.?
MVB Bank, Inc.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does MVB Bank, Inc. operate?
MVB Bank, Inc. operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is MVB Bank, Inc.'s Texas Ratio?
MVB Bank, Inc.'s Texas Ratio is 8.39% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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