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 | |