Bank Safety Analysis
Is MVB Bank, Inc. Safe? Fairmont, West Virginia
Based on its Q3 2026 call report, MVB Bank, Inc. meets the community bank leverage ratio test for well capitalized, its Texas ratio is 13.99%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is MVB Bank, Inc. safe?
On its Q3 2026 call report, MVB Bank, Inc.'s Community Bank Leverage Ratio is 9.68%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 9.68%
- Texas ratio (Q3 2026): 13.99%
- Noncurrent loans ratio (Q3 2026): 1.86%
MVB Bank, Inc. is an FDIC-insured commercial bank (FDIC Certificate #34603). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report MVB Bank, Inc. (FDIC Certificate #34603) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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MVB Bank, Inc. meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 1 risk screen is flagged: commercial real estate to capital.
Return on assets dropped 1.51 percentage points in Q3 2026, from 1.84% to 0.33%. It was the largest change from Q2 2026 among the key lines here. MVB Bank, Inc. ranks 31st of 40 West Virginia banks on leverage ratio, in the lower half at 9.68% (Q3 2026). The median for banks in the $1B-10B asset tier is 10.54% on leverage ratio. MVB Bank, Inc. sits 0.86 points lower, at 9.68% (Q3 2026).
From Q4 2023 to Q3 2026, MVB Bank, Inc.'s Texas ratio ranged between 2.47% (Q1 2024) and 13.99% (Q3 2026). Between Q3 2025 and Q3 2026, MVB Bank, Inc.'s nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 1.16% to 1.86%, Texas ratio rose from 7.35% to 13.99% and return on assets fell from 2.71% to 0.33%.
By total assets at Q3 2026, MVB Bank, Inc. is the 3rd largest of the 40 banks headquartered in West Virginia. Non-owner-occupied commercial real estate loans are its largest loan category, $814.2M of $2.52B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, MVB Bank, Inc.'s community bank leverage ratio of 9.68% is below the 10.54% median, nonperforming loans ratio of 1.86% is above the 0.54% median, Texas ratio of 13.99% is above the 3.95% median, and efficiency ratio of 62.01% is above the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
MVB Bank, Inc.'s 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does MVB Bank, Inc. score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does MVB Bank, Inc. trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 13.99% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.86% | Within range |
| Uninsured deposit share BankRegReports band | 42.79% | Within range |
| Loan-to-deposit ratio BankRegReports band | 81.49% | Within range |
| Commercial real estate to capital BankRegReports band | 286.29% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 13.99% |
| Q2 2026 | 8.39% |
| Q1 2026 | 10.19% |
| Q4 2025 | 8.42% |
| Q3 2025 | 7.35% |
| Q2 2025 | 11.92% |
| Q1 2025 | 11.83% |
| Q4 2024 | 8.17% |
| Q3 2024 | 8.57% |
| Q2 2024 | 7.15% |
| Q1 2024 | 2.47% |
| Q4 2023 | 2.70% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $814.2M
- 1-4 family residential loans: $681.7M
- Commercial and industrial loans: $496.5M
- Owner-occupied commercial real estate loans: $201.7M
- Construction and land development loans: $183.7M
- Multifamily loans: $71.5M
- Other consumer loans: $38.7M
- Auto loans: $23.9M
How have MVB Bank, Inc.'s safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $3.45B | 9.68% | 1.86% | 13.99% | 62.01% |
| Jun 30, 2026 | $3.50B | 10.27% | 1.18% | 8.39% | 62.49% |
| Mar 31, 2026 | $3.28B | 10.15% | 1.45% | 10.19% | 65.88% |
| Dec 31, 2025 | $3.27B | 11.14% | 1.31% | 8.42% | 72.68% |
| Sep 30, 2025 | $3.19B | 11.10% | 1.16% | 7.35% | 40.25% |
| Jun 30, 2025 | $3.18B | 11.38% | 1.81% | 11.92% | 73.13% |
| Mar 31, 2025 | $2.97B | 10.93% | 1.85% | 11.83% | 69.17% |
| Dec 31, 2024 | $3.09B | 11.18% | 1.17% | 8.17% | 62.75% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is MVB Bank, Inc. FDIC insured?
Yes. MVB Bank, Inc. is an FDIC-insured commercial bank (FDIC Certificate #34603). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is MVB Bank, Inc. well capitalized?
On its Q3 2026 call report, MVB Bank, Inc.'s Community Bank Leverage Ratio is 9.68%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are MVB Bank, Inc.'s key safety ratios?
For Q3 2026, MVB Bank, Inc. reports leverage 9.68%, Texas ratio 13.99%, noncurrent loans 1.86%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if MVB Bank, Inc. fails?
For Q3 2026, MVB Bank, Inc. reported $3.09B in total deposits, 42.79% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full MVB Bank, Inc. profile.
How we score this
MVB Bank, Inc. elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
MVB Bank, Inc. fails or is near these bands: Nonperforming Loans (NPL) Ratio, pass < 1.5% and fail > 3.0%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 34603) · FFIEC NIC profile (RSSD 2757205)
Explore: Full MVB Bank, Inc. profile · Other banks in WV · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.