MVB Bank, Inc
MVB Bank, Inc reported total assets of $3.5 bn at Q2 2026, up 10.0% from a year earlier. It uses the community bank leverage ratio framework, with a tier 1 leverage ratio of 10.27%, and an estimated 39.29% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Return on equity (ROE): up 4.59 pp on Q1 2026, to 14.24%
- Uninsured share of domestic deposits: down 1.57 pp on Q1 2026, to 39.29%
- Total deposits: up 7.4% on Q1 2026, to $3.1 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about MVB Bank, Inc?
Its largest one-quarter change in total assets since Q1 2016 was +15.7% between Q4 2022 and Q1 2023, a quarter with no merger or acquisition in the FDIC history. By return on equity (ROE) it moved from 346th to 156th among 500 banks between Q1 2026 and Q2 2026 (1 = highest).
How large is MVB Bank, Inc?
At Q2 2026 the bank held $3.5 bn of assets. Deposits were $3.1 bn and net loans and leases $2.4 bn, a loan-to-deposit ratio of 78.55%. Securities of $437.0 mn made up 12.5% of assets.
Total assets rose 144.5% between Q1 2016 and Q2 2026, from $1.4 bn.
How much of its funding is uninsured?
An estimated 39.29% of domestic deposits were above the FDIC insurance limit at Q2 2026, -1.57 pp from the previous quarter and -3.05 pp from a year earlier. That share ranks 197th among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $3.5 bn | +10.0% | 362nd of 497 |
| Total deposits | $3.1 bn | +10.9% | 347th of 499 |
| Net loans and leases | $2.4 bn | +14.8% | 375th of 500 |
| Bank equity capital | $332.4 mn | +3.3% | 412th of 498 |
| Tier 1 leverage ratio | 10.27% | -1.10 pp | 257th of 500 |
| Return on equity (ROE) | 14.24% | +5.61 pp | 156th of 500 |
| Net interest margin | 4.11% | +0.26 pp | 115th of 500 |
| Uninsured share of domestic deposits | 39.29% | -3.05 pp | 197th of 500 |
| 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: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the merger or acquisition listed under Mergers and acquisitions.
- Total assets $3.5bn
- Deposits $3.1bn
- Net loans $2.4bn
Capital and securities
The bank uses the community bank leverage ratio framework, so it does not report risk-based capital ratios. Its tier 1 leverage ratio was 10.27% at Q2 2026, -1.10 pp from a year earlier. The median tier 1 leverage ratio of the size peers listed below was 9.56% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $21.1 mn at Q2 2026; the loss narrowed by $12.8 mn from a year earlier.
Capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 10%
Unrealized gains and losses on securities
- Available for sale -$21mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 14.24% for the year to Q2 2026, annualized, with a return on assets of 1.43% and a net interest margin of 4.11%. The margin was +0.26 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 64.29%. Net income for the year to Q2 2026 was $24.0 mn, up 71.4% on the same period a year earlier. The median return on equity of its size peers was 12.52% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 1.18% of total loans at Q2 2026. Net charge-offs for the year to date were 0.24% of average loans, annualized.
Profitability
- Return on equity 14%
- Net interest margin 4.1%
- Return on assets 1.4%
Compared with banks of similar size
The six banks ranked closest to MVB Bank, Inc by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, MVB Bank, Inc is 4th by total assets. Its tier 1 leverage ratio of 10.27% compares with a peer median of 9.56%, its return on equity of 14.24% compares with a peer median of 12.52%, and its uninsured share of deposits of 39.29% compares with a peer median of 28.47%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Manasquan Bank | $3.6 bn | 11.00% | 7.18% | 32.61% | |
| SouthEast Bank | $3.6 bn | 12.52% | 8.91% | 23.40% | |
| Old Plank Trail Community Bank | $3.5 bn | 10.81% | 13.91% | 26.71% | |
| MVB Bank, Inc | $3.5 bn | not reported | 14.24% | 39.29% | |
| Bank of Ann Arbor | $3.5 bn | 14.27% | 13.82% | 43.99% | |
| First Farmers Bank & Trust Co. | $3.5 bn | 12.82% | 17.35% | 30.24% | |
| The Farmers & Merchants State Bank | $3.5 bn | 11.84% | 11.22% | 11.09% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 12.18%, return on equity 12.52%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
MVB Bank, Inc, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 3.5% to $3.5 bn, deposits rose 3.6% to $3.1 bn and bank equity capital rose 2.1% to $332.4 mn. Over the same period its full-time equivalent staff went from 350 to 286 and its offices went from 7 to 7.
| 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 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
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).
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 34603
- Federal Reserve RSSD ID
- 2757205
- Head office
- Fairmont, West Virginia
- Holding company
- MVB FINANCIAL CORP (as reported to the FDIC)
- Holding company RSSD ID
- 3211601
- Holding company SEC CIK
- 1277902
- EconoMonitor ID
- EMB-US-000518
Frequently asked questions
What were MVB Bank, Inc's total assets?
$3.5 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 362nd among 497 banks reporting this metric (1 = highest).
Is MVB Bank, Inc the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 34603). Its holding company, MVB FINANCIAL CORP (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after MVB Bank, Inc files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 34603, and in the Call Reports filed under RSSD ID 2757205 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.