MVB Bank, Inc.
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
$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 176).
- Widest gap: total risk-based capital ratio trails 93% of banks $1B-$10B in assets operating regionally (rank 164 of 176).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $71.2M · efficiency ratio beats 35% of banks $1B-$10B in assets operating regionally | 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 |