MVB BANK, INC.

FAIRMONT, WV | Large | Est. Jan. 4, 1999, midnight | FDIC #34603 | RSSD #2757205 | FDIC
Latest Report: 2025-12-31

MVB BANK, INC. is aln large FDIC-insured commercial bank headquartered in FAIRMONT, WV, established in Jan. 4, 1999, midnight. As of 2025-12-31, the bank reported total assets of $3.3B and total deposits of $2.8B. Profitability stands at 1.21% ROA and 11.25% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 10.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.31% and a Texas Ratio of 8.38%. FDIC Certificate #34603.

Assets

$3.3B

Deposits

$2.8B

Loans

$2.3B

Equity

$351M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 11.25%
Net Interest Margin (NIM) 3.93%
Yield on Assets 6.11%
Cost of Funds 5.30%

Asset Quality

NPL Ratio 1.31%
Net Charge-Off Ratio 0.24%
Texas Ratio 8.38%
NPA Ratio 0.96%
ACL / Loans 0.93%

Capital & Liquidity

CET1 Ratio 10.65%
Tier 1 Capital 10.65%
Total Capital Ratio 11.19%
Leverage Ratio 11.14%
Loan-to-Deposit 82.23%

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