MVB Bank, Inc
MVB Bank, Inc reported total assets of $3.5 bn at Q2 2026, up 10.0% on a year earlier, the 362nd largest of 497 banks in our US coverage. MVB Bank, Inc uses the community bank leverage ratio framework, with a leverage ratio of 10.27%, and the uninsured share of MVB Bank, Inc was 39.29%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), MVB Bank, Inc climbed from 357th to 156th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , MVB Bank, Inc has taken over one institution, 1 of them a failed bank bought from the FDIC; the latest was The First State Bank on (FDIC Call Reports).
What sets MVB Bank, Inc apart
How large is MVB Bank, Inc?
The balance sheet of MVB Bank, Inc at : assets $3.5 bn, deposits $3.1 bn, net loans $2.4 bn (loans equal to 78.55% of deposits). Securities make up 12.5% of total assets at MVB Bank, Inc. Since , when MVB Bank, Inc held $1.4 bn, its assets grew 144.5%. In the year to , deposits at MVB Bank, Inc rose 10.9% while its total assets rose 10.0%. At , MVB Bank, Inc employed 286 full-time equivalent staff across 7 offices, about $12.2 mn of assets per employee and $445.3 mn of deposits per office.
How much funding at MVB Bank, Inc is uninsured?
At MVB Bank, Inc, uninsured deposits (above the FDIC limit) made up 39.29% of domestic deposits at (-3.05 pp on a year earlier); MVB Bank, Inc ranks 197th of 500 on this measure. In dollars, MVB Bank, Inc estimated $1.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.1 bn | +10.9% | 347th of 499 |
| Net loans and leases | $2.4 bn | +14.8% | 375th of 500 |
| Loan-to-deposit ratio | 78.55% | +2.65 pp | 360th of 500 |
| Net interest margin | 4.11% | +0.26 pp | 115th of 500 |
| Return on assets (ROA) | 1.43% | +0.52 pp | 179th of 500 |
| Efficiency ratio | 64.29% | -7.19 pp | 388th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $21.1 mn | Narrowed by $12.8 mn | |
| Noncurrent loans to total loans | 1.18% | -0.63 pp | 391st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.24% | +0.14 pp | 367th of 500 (1 = lowest) |
US rank of MVB Bank, Inc: 1 = highest unless marked 1 = lowest.
Balance sheet
MVB Bank, Inc: assets, deposits and loans
- Total assets $3.5bn
- Deposits $3.1bn
- Net loans $2.4bn
Capital and securities
MVB Bank, Inc uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 10.27% in . Equity capital of MVB Bank, Inc at : $332.4 mn, or 9.5% of total assets.
The available-for-sale portfolio of MVB Bank, Inc showed an unrealized loss of $21.1 mn at ; the loss narrowed by $12.8 mn over the year.
MVB Bank, Inc: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 10%
MVB Bank, Inc: unrealized securities gains and losses
- Available for sale -$21mn
- Held to maturity $0
Profitability and loan quality
For the year to , MVB Bank, Inc earned a return on equity of 14.24%; return on assets: 1.43%. Net interest margin at MVB Bank, Inc: 4.11%, +0.26 pp in a year. MVB Bank, Inc net income: $24.0 mn, up 71.4% year on year. The efficiency ratio of MVB Bank, Inc was 64.29%: about 64 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 1.18% of total loans at MVB Bank, Inc; net charge-offs: 0.24% of average loans. Gross loans and leases at MVB Bank, Inc: $2.5 bn, up 15.0% in a year.
MVB Bank, Inc: profitability
- Return on equity 14%
- Net interest margin 4.1%
- Return on assets 1.4%
Peer group of MVB Bank, Inc
The peer group of MVB Bank, Inc is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of MVB Bank, Inc (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in West Virginia. Against them, MVB Bank, Inc shows return on equity 14.24% against a peer median of 12.52% and uninsured deposit share 39.29% against a peer median of 28.47%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Manasquan Bank | State-chartered stock savings bank | NJ | $3.6 bn | 11.00% | 7.18% | 32.61% | |
| SouthEast Bank | State member bank | TN | $3.6 bn | 12.52% | 8.91% | 23.40% | |
| Old Plank Trail Community Bank | National bank | IL | $3.5 bn | 10.81% | 13.91% | 26.71% | |
| MVB Bank, Inc | State nonmember bank | WV | $3.5 bn | not reported | 14.24% | 39.29% | |
| Bank of Ann Arbor | State nonmember bank | MI | $3.5 bn | 14.27% | 13.82% | 43.99% | |
| First Farmers Bank & Trust Co. | State member bank | IN | $3.5 bn | 12.82% | 17.35% | 30.24% | |
| The Farmers & Merchants State Bank | State nonmember bank | OH | $3.5 bn | 11.84% | 11.22% | 11.09% | |
. FDIC Call Reports.
Last eight quarters
Two years at MVB Bank, Inc, to : assets +3.5%, deposits +3.6%, equity +2.1%. Staff 350 to 286.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.4 bn | $3.1 bn | $3.0 bn | $3.2 bn | $3.2 bn | $3.3 bn | $3.3 bn | $3.5 bn |
| Total deposits | $3.0 bn | $2.7 bn | $2.6 bn | $2.8 bn | $2.8 bn | $2.8 bn | $2.9 bn | $3.1 bn |
| Bank equity capital | $325.7 mn | $320.4 mn | $329.5 mn | $321.7 mn | $343.6 mn | $351.1 mn | $325.9 mn | $332.4 mn |
| Return on equity (ROE) | 9.45% | 11.21% | 11.60% | 8.63% | 14.60% | 13.74% | 9.65% | 14.24% |
| Uninsured share of domestic deposits | 35.93% | 35.69% | 37.43% | 42.34% | 42.77% | 42.97% | 40.85% | 39.29% |
| Full-time equivalent employees | 350 | 342 | 297 | 301 | 298 | 288 | 286 | 286 |
| Number of offices | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of MVB Bank, Inc, oldest first; figures before and after each event are not like for like.
- . Acquired the failed The First State Bank from the FDIC as receiver (FDIC certificate 14361).
Questions and identifiers
What were the total assets of MVB Bank, Inc?
MVB Bank, Inc reported $3.5 bn at in its Call Report. That makes MVB Bank, Inc the 362nd largest of 497 banks in our US coverage.
Is MVB Bank, Inc the same as its holding company?
No. This page covers MVB Bank, Inc, FDIC certificate 34603; MVB FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is MVB Bank, Inc profitable?
MVB Bank, Inc reported net income of $24.0 mn for the year to ; annualized return on equity: 14.24%. So yes: MVB Bank, Inc made a profit over these months.
When is data for MVB Bank, Inc next updated?
Figures from MVB Bank, Inc for are due after .
Where can I check the figures for MVB Bank, Inc?
In the FDIC BankFind Suite record for certificate 34603, and in the Call Reports of MVB Bank, Inc (RSSD ID 2757205) at the FFIEC Central Data Repository.