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MVB Bank, Inc
Fairmont, WV·FDIC Cert #34603·Charter: STATE·Est. 19990104.0·HC: MVB FINANCIAL CORP
Total Assets
$3.3B
Q4 2025
Return on Assets
1.46%
-0.09%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.33%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.46%-0.09
ROE
13.74%-0.86
Efficiency
59.33%+3.43
Equity/Assets
0.00%+0.00
NPL Ratio
1.32%+0.15
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
81.47%+1.07
Charge-offs
0.26%+0.15
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.0 | 0.9 | 1.1 | 1.2 | 0.9 | 1.5 | 1.5 |
| ROE | 11.6 | 10.6 | 9.4 | 11.2 | 11.6 | 8.6 | 14.6 | 13.7 |
| Efficiency | 66.7 | 68.6 | 70.8 | 68.5 | 69.5 | 71.5 | 55.9 | 59.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 1.1 | 1.3 | 1.2 | 1.9 | 1.8 | 1.2 | 1.3 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.3 |
| Loan/Deposit | 71.1 | 75.6 | 71.5 | 76.9 | 78.9 | 75.9 | 80.4 | 81.5 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.8B
Total Loans$2.3B
Total Equity$351.1M
Profitability
ROA1.46%
ROE13.74%
Efficiency Ratio59.33%
Net Income$45.8M
Risk & Asset Quality
NPL Ratio1.32%
Charge-off Rate0.26%
Loan/Deposit81.47%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans