# MVB BANK INC
FAIRMONT, WV · FDIC certificate 34603 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.50B | |
| Deposits | $3.12B | |
| Loans and leases | $2.48B | |
| Total equity | $332.4M | |
| Loans / deposits | 78.55% (p29 of band) | 87.10% |
| Liquid assets / assets | 21.43% (p51 of band) | |
| Uninsured deposits / deposits | 39.29% (p72 of band) | 30.76% |
| Brokered deposits | 8.98% | |
| Wholesale funding | 9.08% (p61 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.27% (p45 of band) | 10.50% |
| Unrealized securities loss / equity | -9.01% (p44 of band) | -7.75% |
| AOCI / equity | -1.26% (p12 of band) | |
| ROA (annualized) | 1.43% (p66 of band) | 1.26% |
| Net interest margin | 4.11% (p74 of band) | 3.70% |
| Efficiency ratio | 64.29% (p67 of band) | |
| Noncurrent loans | 1.18% (p77 of band) | 0.51% |
| Net charge-offs (annualized) | 0.17% (p83 of band) | |
| Reserve coverage of noncurrent | 96.52% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 59.17% (p62 of band) | |
| Auto loans | $26.6M (1.07% of loans; DQ 10.86%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 10.9% | |
| Employees | 286 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, construction >100% equity |  |
| 2011-06 | 2 | reserve under noncurrent | construction >100% equity |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 4 | brokered >10%, capital falling, reserve under noncurrent |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 | loans exceed deposits | reserve under noncurrent |
| 2013-03 | 2 |  | brokered >10%, capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 | capital falling | loans exceed deposits |
| 2013-12 | 4 | loans exceed deposits, brokered >10% |  |
| 2014-03 | 1 |  | capital falling, loans exceed deposits, brokered >10% |
| 2014-06 | 2 | loans exceed deposits |  |
| 2014-09 | 0 |  | wholesale funding >15%, loans exceed deposits |
| 2014-12 | 5 | loans exceed deposits, wholesale funding >15%, capital falling, expense ratio p90, reserve under noncurrent |  |
| 2015-03 | 3 |  | capital falling, expense ratio p90 |
| 2015-06 | 4 | construction >100% equity |  |
| 2015-09 | 4 | capital falling | wholesale funding >15% |
| 2015-12 | 5 | wholesale funding >15% |  |
| 2016-03 | 3 |  | reserve under noncurrent, wholesale funding >15% |
| 2016-06 | 4 | wholesale funding >15% |  |
| 2016-09 | 3 | reserve under noncurrent | capital falling, wholesale funding >15% |
| 2016-12 | 2 |  | reserve under noncurrent |
| 2017-03 | 3 | expense ratio p90 |  |
| 2017-06 | 4 | uninsured deposits leaving |  |
| 2017-09 | 3 |  | loans exceed deposits |
| 2017-12 | 4 | capital falling |  |
| 2018-03 | 3 | loans exceed deposits | expense ratio p90, capital falling |
| 2018-06 | 3 | wholesale funding >15% | uninsured deposits leaving |
| 2018-09 | 4 | capital falling, reserve under noncurrent | loans exceed deposits |
| 2018-12 | 4 | loans exceed deposits | reserve under noncurrent |
| 2019-03 | 2 |  | capital falling, loans exceed deposits |
| 2019-06 | 2 | loans exceed deposits | construction >100% equity |
| 2019-09 | 3 | construction >100% equity |  |
| 2019-12 | 4 | uninsured deposits leaving |  |
| 2020-03 | 4 | expense ratio p90, charge-offs p90 | wholesale funding >15%, loans exceed deposits |
| 2020-06 | 3 | capital falling, reserve under noncurrent | uninsured deposits leaving, expense ratio p90, charge-offs p90 |
| 2020-09 | 1 | uninsured deposits leaving | construction >100% equity, capital falling, reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2022-03 | 4 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2022-06 | 2 | uninsured deposits leaving | noncurrent p90, reserve under noncurrent, capital falling |
| 2022-09 | 1 |  | uninsured deposits leaving |
| 2022-12 | 2 | capital falling |  |
| 2023-03 | 3 | brokered >10%, wholesale funding >15% | capital falling |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | wholesale funding >15% |
| 2024-03 | 2 | wholesale funding >15% | charge-offs p90 |
| 2024-06 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 6 | deposits shrinking, assets shrinking |  |
| 2025-03 | 6 | noncurrent p90 | wholesale funding >15% |
| 2025-06 | 2 |  | brokered >10%, uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2025-09 | 3 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2025-12 | 1 |  | deposits shrinking, assets shrinking |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-29 [MVB Financial Corp. Announces First Quarter 2026 Results - Business Wire](https://news.google.com/rss/articles/CBMiswFBVV95cUxQZ0Q5YmxwUXdNa3BqRTVRSlNPV1ZoaWwyNE1qNUhwdExTYkhuN21YZjBqYWd5ZGFsamRrQnVXdHM1YW9GVGEtRnhyVzh0MjZqWlN2X2RJalQzWU9QcE5PY0haLV85UWdwZHBTQTllVUtHaTZGdGVrc05lc1lTYWg0UHRsMlE0clVLMHkzeHpLZEF2NFV0NjQ3UXpjV2NtbEZQTC1TZUcwRkZIaHNBVnBONjdsTQ?oc=5) · Business Wire
- 2026-08-06 [AI Service Will Help MVB Bank Expand Compliance Without Headcount Rising as Fast - stocktitan.net](https://news.google.com/rss/articles/CBMivwFBVV95cUxQbTVDRHYxbWdGNDRqNWZsVGE1c2VET1ZhR2pXVGRLVWxxa2lzVWlXUW5jRnlSQ183cFFrd2JVZFpscHUtdE1HNWJvU1VCVElFai1GUHU0WW5lbVJFWEdUNkl1Y2J1U3ZHRGt2WXY2S2FzdGtwMjFXSEZuX3I4Wl8zcUhBek1yZkVlM2xlLUNfeU4zejhMTFJjc2tCOWZKTVI3MUJSdWk1TEhhUGhpNkhPMjBOeE1BVzFkdTV0a2VTTQ?oc=5) · stocktitan.net
- 2016-12-14 [Larry Mazza - WVU John Chambers College of Business and Economics](https://news.google.com/rss/articles/CBMid0FVX3lxTFBBdlhzMy1yNzM4WEJMZ2prdzJiNlZWcVVvUDgzbHRGdEFLWHZVY1RWdG5INGZxeFJKNzJRdmk4eVd4SGU5bXhIOVk3ekNfWXFQQnBiU3RNOFpRM1lXbHhRaGNIeW9yNFB5ZmVJb1pJSDhwZE1aLVo0?oc=5) · WVU John Chambers College of Business and Economics
- 2021-06-18 [West Virginia-based MVB Bank launches MVB Edge Ventures to aid company's tech initiatives - WV News](https://news.google.com/rss/articles/CBMigwJBVV95cUxNYnhVMUZ0TksxTFhaV3BXU0pJcUdXU2EwVkwxWTFocFF6bUdQb1o5SXN1UU1XaWgxUWNIQy1TdG5LMFcwazltUWZhSDlGNlNuTjFkaE1FWS12LWxKRThHcFFYNzkxMkt6Zy1pN3gtN01saW85MllUSEtsNE9IWnZkRFdfOUN1U3VrQkd1dDZWZFI4eXB6a1pEaURfWUZhM3hDN3JhY0FkNzN0YXpzYjdEbkVUa2pTRUVfU1RyTDMxVUlaQm0zNUVtaUpTa0xKUTdlYlJqR0ZJZ3JKQTVLZUp1NVJGNER3YzRCdEpnYUs2R0FtQ3kwdk5OUWRob09IZGxfOFdF?oc=5) · WV News
- 2020-04-04 [FDIC closes small West Virginia bank, moves deposits to MVB Bank - MarketWatch](https://news.google.com/rss/articles/CBMirAFBVV95cUxPS2QxVVhFRklvY2Z0T0xsaG9qUll1ZTdHWFVSSXQ5MlBHWGdpSUM3YVVKQUVYLVo0QUQ0YzY3QnQ1SkpuTEs0SGNYNnBXWE5DMXJnb2xQbWVILWFPV1d3MHVyVk9Ba3lVX1J5bGZobmRyWDY2RXdJN2JFLVVBUnRuSTJaYmRCNWd6ZUd6Y1hsWXRoQkVxRTVaYVQ0Slk5Ql9kYUlaMDRrQk1BWlUx?oc=5) · MarketWatch
- 2021-04-23 [MVB Bank to Sell Four Banking Centers to Summit Community Bank - Business Wire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNUmpybFlGb2FVNWxUMUxEeTRDSXh0dTBlNldyQzR2ZUNmTWJpRXFGVXU2TXg3R0FKS0Nya2tLZ1UybGFKUzVfYWZrSXRFSk5nZkpndWlDV3N6cVJIcjZkektWV1YxekpZbC1mbm9Mejhoblpud3NDbVBGQVlvVzlrRjR6R3JzOURyTmJyYzMzSzFDX2U1WGl5WkZ0ZWF3bjJRRUpxNW1DVUxjcEpValNxb0VtQkozNnM4UGJR?oc=5) · Business Wire
- 2025-07-11 [MVB Financial Corp. Announces Executive Transition - Business Wire](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNUUdTaW9FSjNrYS1CS1hZa0liZmdZaEc2N2ZNclJOOHk3V19rVDdJb2d6ZzRWT3hhZjJ5UzVweEJhQi0tZEs3VFZXUG9nTTVCX2FvT0FETmlTUDBidEVZWDFNRU1acjZOT1ppOGdNRTdVSG10LXNFeDBJcmFTdUJNaGhfSDdKdHJMbmxnc1k5blRYZzcxdXlERVJIZEZBSmdJMmRiaGlRZlNnMGc?oc=5) · Business Wire
- 2020-07-01 [MVB Mortgage and Intercoastal Mortgage Company Combine to Become One of the Largest Independent Mortgage Banking Operations in the Mid-Atlantic Region - Business Wire](https://news.google.com/rss/articles/CBMisAJBVV95cUxOc3F6TGh1OXlHc0swcWthd2FScUhaUjJ6ZHJQRVkycjJmSkJOTk5TSXBzaGJvaDYyakJQUzhhWi0wSHI0RmJkV0VqMXp3QUlwSmF3bnJPWFp2NU1aTTBnTVZScms5YWdPNjE5X0Y5d3ZjUXdLUHduaEFDQUFtZEtaYmVma1BONEZaeDFhQ2pQUHczNmN4eWZkODlKMHl6bldaN25NTTFFcFkxNHRZb1VLazhfSWIyazBLcXhDbTJIMUY4bGlrWUh1MFg1anlWem8yMG9fMGhMNUxhTEhOQXRYM2sxZi1RRHJ2dWNPUFBZckVESi1LNUFORVZkRkd6dEtoa21peV9rbWt4NkxfWTlLaVlKMWJadXZUWjQ0eTVEVllDMVg0ZHU4X3JXNzdRcVZ0?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34603 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "34603", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide