MVB Bank, Inc.
Fairmont, WV · Cert 34603 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · MVB Financial Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
$3.5BAssets
$2.5BLoans
$3.1BDeposits
$332.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 74% of banks $1B-$10B in assets operating regionally (rank 46 of 178).
- Widest gap: total risk-based capital ratio trails 94% of banks $1B-$10B in assets operating regionally (rank 168 of 178).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.37%
Rank 66 of 178
Net Interest Margin
3.67%
Rank 74 of 178
Efficiency Ratio
64.29%
Rank 119 of 178
Equity / Assets
9.50%
Rank 121 of 178
Non-interest income vs. expense
Unfavorable gap of $71.2M · efficiency ratio beats 34% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.91% | 1.25% | 1.53% | Beats 63% | 66 / 178 | |
| Return on Equity | 14.41% | 9.18% | 11.89% | 14.44% | Beats 74% | 46 / 178 | |
| Net Interest Margin | 3.67% | 3.22% | 3.56% | 3.91% | Beats 58% | 74 / 178 | |
| Efficiency Ratio | 64.29% | 52.04% | 58.90% | 67.10% | Beats 34% | 119 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.18% | 0.29% | 0.60% | 1.26% | Beats 26% | 132 / 178 | |
| Net Charge-Offs / Loans | 0.15% | 0.01% | 0.03% | 0.10% | Beats 14% | 154 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 10.27% | 11.19% | 12.72% | 14.14% | Beats 8% | 163 / 178 | |
| Total Risk-Based Capital Ratio | 10.27% | 11.91% | 13.63% | 15.33% | Beats 6% | 168 / 178 | |
| Equity / Assets | 9.50% | 9.12% | 10.35% | 11.80% | Beats 32% | 121 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 79.45% | 80.94% | 89.92% | 97.12% | 20th pctl | 142 / 178 | |
| Loans / Assets | 70.81% | 69.25% | 75.52% | 80.96% | 30th pctl | 124 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |