Fairmont, WV · Cert 34603 · MVB Financial Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
16
Asset Quality
21
Profitability
65
Liquidity
40
Efficiency
35
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fairmont, WV · Cert 34603 · MVB Financial Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Morgantown, WV · 2026 SOD (annual) · 24.0% share · #2 of 13 inst. · $1.4B of $5.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 1.09% | 1.24% | 0.91% | 1.55% | 1.46% | 1.00% | 1.43% | +52 bps | |
| Return on Equity | 9.45% | 11.21% | 11.60% | 8.63% | 14.60% | 13.74% | 9.65% | 14.24% | +561 bps | |
| Net Interest Margin | 3.66% | 3.62% | 3.38% | 3.52% | 3.36% | 3.38% | 3.49% | 3.67% | +15 bps | |
| Efficiency Ratio | 70.80% | 68.50% | 69.55% | 71.48% | 55.91% | 59.33% | 66.11% | 64.29% | -719 bps | |
| Non-Interest Burden | 2.34% | 2.09% | 2.08% | 2.27% | 0.93% | 1.30% | 2.05% | 2.08% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.52% | -5.69% | -15.48% | -2.16% | -5.77% | 5.80% | 10.22% | 9.95% | +1,211 bps | |
| Loan Growth (YoY) | -4.69% | -9.41% | -9.00% | -2.42% | 4.06% | 11.57% | 16.50% | 15.00% | +1,743 bps | |
| Deposit Growth (YoY) | -1.35% | -7.02% | -17.92% | -2.83% | -7.55% | 5.29% | 12.09% | 10.92% | +1,375 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.32% | 1.17% | 1.85% | 1.81% | 1.16% | 1.31% | 1.45% | 1.18% | -63 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.21% | 0.17% | 0.10% | 0.10% | 0.24% | 0.25% | 0.23% | +14 bps | |
| Allowance / Loans | 0.99% | 0.94% | 0.93% | 0.97% | 1.03% | 0.93% | 0.94% | 1.14% | +17 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.5x | 0.5x | 0.9x | 0.7x | 0.7x | 1.0x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.93% | 11.18% | 10.93% | 11.38% | 11.10% | 11.14% | 10.15% | 10.27% | -110 bps | |
| Total Risk-Based Capital | 10.93% | 11.18% | 10.93% | 11.38% | 11.10% | 11.14% | 10.15% | 10.27% | -110 bps | |
| Equity / Assets | 9.64% | 10.38% | 11.08% | 10.11% | 10.79% | 10.75% | 9.94% | 9.50% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.17% | 77.60% | 79.68% | 76.63% | 81.23% | 82.23% | 82.82% | 79.45% | +282 bps | |
| Liquid Assets / Assets | 17.62% | 9.93% | 7.90% | 11.98% | 8.89% | 6.57% | 4.82% | 8.33% | -365 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 355% | 371% | 386% | n/a | n/a | |
Fairmont, WV · Cert 34603 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · MVB Financial Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.37%
Rank 66 of 176
Net Interest Margin
3.67%
Rank 76 of 176
Efficiency Ratio
64.29%
Rank 116 of 176
Equity / Assets
9.50%
Rank 121 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 0.93% | 1.26% | 1.54% | Beats 63% | 66 / 176 | ||
| Return on Equity | 14.41% | 9.26% | 11.89% | 14.46% | Beats 74% | 46 / 176 | ||
| Net Interest Margin | 3.67% | 3.25% | 3.59% | 3.93% | Beats 57% | 76 / 176 | ||
| Efficiency Ratio | 64.29% | 52.79% | 59.55% | 67.66% | Beats 35% | 116 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.18% | 0.30% | 0.64% | 1.32% | Beats 27% | 129 / 176 | ||
| Net Charge-Offs / Loans | 0.15% | 0.01% | 0.04% | 0.10% | Beats 15% | 150 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.27% | 11.15% | 12.72% | 14.15% | Beats 10% | 159 / 176 | ||
| Total Risk-Based Capital Ratio | 10.27% | 11.81% | 13.63% | 15.33% | Beats 7% | 164 / 176 | ||
| Equity / Assets | 9.50% | 9.16% | 10.35% | 11.80% | Beats 31% | 121 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.45% | 80.94% | 89.73% | 97.21% | 20th pctl | 141 / 176 | ||
| Loans / Assets | 70.81% | 69.25% | 75.12% | 80.82% | 31st pctl | 122 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||