MVB Bank, Inc.: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
MVB Bank, Inc. reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $210.0M in Q3 2026, down 30.0% from $300.0M in Q3 2025. That is 6.1% of its total assets. Across the 12 quarters shown it ranged from $177.6M (Q1 2026) to $640.4M (Q1 2024).
Cash and balances due from depository institutions dropped 32.8% in Q3 2026, from $312.6M to $210.0M. It was the largest change from Q2 2026 among the key lines here. Within West Virginia, MVB Bank, Inc. is 24th of 40 on loan-to-deposit ratio, 81.49% as of Q3 2026. The median for banks in the $1B-10B asset tier is 88.13% on loan-to-deposit ratio. MVB Bank, Inc. sits 6.64 points lower, at 81.49% (Q3 2026).
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $210.0M |
| Cash and noninterest-bearing balances to assets | 6.08% |
| Cash and securities | $650.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
Largest change in this table: fed funds purchased and repos, up 26.8% to $4.7M in Q3 2026 after $3.7M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $4.7M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
Loan-to-deposit ratio changed the most here, up 2.04 points to 81.49% in Q3 2026 from 79.45% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 81.49% |
| Net loans and leases to deposits | 80.32% |
| Loans and leases to core deposits | 81.55% |
| Core deposits to total deposits | 89.84% |
| Brokered deposits to total deposits | 10.09% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 79.65% | 84.07% | $4.8M | $9K |
| Q1 2024 | 71.87% | 83.12% | $3.8M | $69K |
| Q2 2024 | 76.32% | 81.59% | $2.4M | $0 |
| Q3 2024 | 72.17% | 80.09% | $4.8M | $0 |
| Q4 2024 | 77.60% | 81.57% | $2.8M | $0 |
| Q1 2025 | 79.68% | 84.29% | $4.0M | $0 |
| Q2 2025 | 76.63% | 89.12% | $3.0M | $0 |
| Q3 2025 | 81.23% | 89.01% | $3.0M | $0 |
| Q4 2025 | 82.23% | 89.27% | $3.3M | $0 |
| Q1 2026 | 82.82% | 89.66% | $4.4M | $0 |
| Q2 2026 | 79.45% | 89.73% | $3.7M | $0 |
| Q3 2026 | 81.49% | 89.84% | $4.7M | $0 |
MVB Bank, Inc. liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full MVB Bank, Inc. profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 34603) · FFIEC NIC profile (RSSD 2757205)