MVB Bank, Inc.
MVB Bank, Inc. is an FDIC-insured commercial bank headquartered in Fairmont, WV, supervised by the FDIC, with $3.45B in total assets at Q3 2026, up 8.3% from Q3 2025, the 3rd largest of 40 banks headquartered in West Virginia. It was established in 1999 and holds FDIC certificate 34603. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.68% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
BankRegReports is independent of MVB Bank, Inc. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34603
- Headquarters
- Fairmont, WV
- Established
- 1999
- Total assets, Q3 2026
- $3.45B
- Assets vs Q3 2025
- +8.3%
- Tier 1 leverage ratio, Q3 2026
- 9.68%
- Domestic offices
- 7 branches
- Routing number
- 051504597
- Safety and soundness
- Is MVB Bank, Inc. safe?
- Latest call report
- Q3 2026, FFIEC 041 · MVB Bank, Inc. call report
- Holding company
- MVB FINANCIAL CORP.
- Asset rank in state
- 3rd of 40 in West Virginia
Problem loans are rising at MVB Bank, Inc.. It reported $3.5 billion in assets at September 30, 2026, up 8.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.86% of loans from 1.16% a year earlier. It earns about $0.33 a year on every $100 of assets, a small fraction of the median of $1.32 for the 887 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 14.0% of the capital and reserves that would absorb them, 3.6 times the median of 3.9% for banks its size.
Earnings fell sharply: quarterly net income of $2.9 million was 87% below a year earlier. Unrealized losses on its securities total $39 million, equal to 11% of Tier 1 capital, against 5% a year earlier. Funding is the softer spot: it holds about two-fifths of its deposits (43%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 31.1%).
As of September 30, 2026, MVB Bank, Inc. reported a return on assets of 0.33%, a nonperforming-loan ratio of 1.86% and a Texas ratio of 13.99%. The figures come from its call report filed with the FFIEC.
Of the 40 banks headquartered in West Virginia, MVB Bank, Inc. is the 3rd largest by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets fell 1.3% to $3.45B, loans rose 1.8% and deposits fell 0.8%. Its loan book on September 30, 2026 was led by non-owner-occupied commercial real estate loans, at 32.3% of total loans, followed by 1-4 family residential loans at 27.1%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities across 2 states; its Morgantown 2 offices book 44% of its branch deposits. Judged on its Q3 2026 call report, MVB Bank, Inc. meets the community bank leverage ratio test for well capitalized.
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
- Domestic offices
- 7 branches
- Employees (FTE)
- 271
- Domestic deposits
- $3.09B
- Allowance for credit losses
- $36.2M
- Net charge-offs (YTD)
- $5.4M
- Average total assets
- $3.51B
- Average total loans
- $2.46B
- Average interest-bearing deposits
- $2.02B
- 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 |
| Oconnor Julie Allison | CRO | Chief Risk & Compliance Ofcr |
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch MVB Bank, Inc.: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, MVB Bank, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, MVB Bank, Inc.'s total assets ranged from $2.97B (Q1 2025) to $3.52B (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$3.45B total assets against $3.19B; $3.14B total liabilities against $2.84B.
$2.48B net loans and leases against $2.24B; $3.09B total deposits against $2.78B.
$440.7M securities against $330.5M; $210.0M cash and balances due against $300.0M.
$49.1M total interest income against $44.3M; $15.9M total interest expense against $16.9M.
$33.2M net interest income against $27.4M.
$3.5M total noninterest income against $39.3M; $22.9M total noninterest expense against $26.9M.
$9.9M provision for credit losses against $3.4M.
$2.9M net income against $22.0M.
0.33% return on assets against 2.71%; 4.08% net interest margin against 3.66%.
9.68% tier 1 leverage ratio against 11.10%.
Inside the full MVB Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
MVB Bank, Inc. rankings
Its closest position to the top of a national ranking is 372 of 4,193, for total assets; its furthest is 3,361 of 3,627, for ROA.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 0.33% (Q3 2026) to 2.71% (Q3 2025) and its net interest margin ran from 3.55% (Q4 2024) to 4.17% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 9.68% | 0.33% | 1.86% | 13.99% | 4.08% |
| Q2 2026 | 10.27% | 1.84% | 1.18% | 8.39% | 4.17% |
| Q1 2026 | 10.15% | 0.96% | 1.45% | 10.19% | 3.76% |
| Q4 2025 | 11.14% | 1.18% | 1.31% | 8.42% | 3.80% |
| Q3 2025 | 11.10% | 2.71% | 1.16% | 7.35% | 3.66% |
| Q2 2025 | 11.38% | 0.59% | 1.81% | 11.92% | 3.75% |
| Q1 2025 | 10.93% | 1.15% | 1.85% | 11.83% | 3.68% |
| Q4 2024 | 11.18% | 1.69% | 1.17% | 8.17% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Similar banks
Frequently asked about MVB Bank, Inc.
What are MVB Bank, Inc.'s total assets?
As of the Q3 2026 filing, MVB Bank, Inc. reported total assets of $3.45 billion in its FFIEC call report.
Where is MVB Bank, Inc. headquartered?
It is headquartered in Fairmont, WV, United States.
When was MVB Bank, Inc. founded?
It was established in 1999, per the FDIC institution directory.
Is MVB Bank, Inc. FDIC-insured?
Yes. It 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.
How many branches does MVB Bank, Inc. operate?
It 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?
Its Texas Ratio is 13.99% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
Go deeper on MVB Bank, Inc.
Get an email when MVB Bank, Inc. files its next call report, and benchmark it against any peer you choose.
Unlock MVB Bank, Inc., freeFree account