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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · West Virginia, the state note

MVB Bank Inc

Fairmont, West Virginia · $3.50B in assets · beside the 11 other the Southeast banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

9.5%
Equity / assets
11th of 12
1.18%
NPA / loans
10th of 12
43.9%
CRE / loans
10th of 12

MVB Bank Inc is the seventh largest of the 12 the Southeast banks nearest its size between $3B and $10B, with $3.50B in assets at 30 June 2026. Loans are 79.5% of deposits, 3rd of 12 against a median of 88.1%, and equity is 9.5% of assets, 11th of 12. Loans grew +15.0% in the year, 5th of 12, and deposits grew 10.9%; the cohort's median loan growth is +12.1%.

Noncurrent loans are 1.18% of the book, 10th of 12 against a median of 0.73%; 1.02% is 30 to 89 days past due, and the allowance covers them 1.0 times. Net charge-offs are 0.23% of loans, 10th of 12. Commercial real estate is 43.9% of loans, 10th of 12 against a median of 37.2%, and 312% of capital, above the 300% screen, with construction at 56% against the 100% screen.

Return on assets is 1.40%, 6th of 12 against a median of 1.31%, on an efficiency ratio of 64.3%, 7th of 12. Five years ago it was 1.70%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 8.7% of loans).

Equity as a share of assetsSoutheast banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 10.9% FC First Community Bank 14.2% FC First Carolina Bank 13.4% HB Hometrust Bank 13.2% VB Vallant Bank 12.3% CB Colony Bank 11.2% PB Primis Bank 11.0% BD Banco Do Brasil Americas 10.8% FB First Bank & Trust Co. 9.9% Bo Bank of Tampa 9.8% GB Georgia Banking Co. 9.7% MB MVB Bank Inc 9.5% US U S Century Bank 8.7%
Loans, year over yearSoutheast banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +12.1% VB Vallant Bank +84.1% CB Colony Bank +23.5% BD Banco Do Brasil Americas +16.7% GB Georgia Banking Co. +15.4% MB MVB Bank Inc +15.0% PB Primis Bank +13.6% Bo Bank of Tampa +10.6% US U S Century Bank +9.9% FB First Bank & Trust Co. +6.1% FC First Community Bank +4.5% FC First Carolina Bank +1.7% HB Hometrust Bank -2.6%

SBA 7(a), FY2008 to FY2026

MVB Bank Inc is the 3rd largest 7(a) lender into West Virginia of 141, with $49M across 172 loans, 5.4% of everything approved in the state (The Huntington National Bank leads with $200M). 117 of its 140 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in West Virginia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cabell, WV$22M1st of 2828.8%quiet FY2014
Los Angeles, CA$8M138th of 3080.0%quiet FY2022
Harrison, WV$7M2nd of 2313.5%quiet FY2021
Fairfax, VA$6M37th of 1690.5%quiet FY2022
Monongalia, WV$6M3rd of 316.6%quiet FY2021
Kanawha, WV$6M6th of 434.7%quiet FY2020
Harris, TX$6M128th of 3140.1%-0.2 pts
Clark, NV$5M72nd of 2290.2%quiet FY2022
Anchorage, AK$5M17th of 770.8%quiet FY2022
Broomfield, CO$5M9th of 763.2%quiet FY2022
Saint Lucie, FL$5M20th of 1031.3%thin
Hays, TX$5M19th of 1231.2%thin
Windham, VT$5M4th of 397.9%thin
127 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance66$39M15.7%0.08%156th of 2,172
Retail trade51$34M13.9%0.06%225th of 2,589
Finance & insurance27$27M11.0%0.38%39th of 1,111
Other services38$27M10.7%0.08%191st of 2,248
Construction32$24M9.7%0.08%203rd of 2,063
7(a) lenders into West Virginia, share of approvals since FY2008141 lenders on record; the ten largest and MVB Bank Inc
TH The Huntington National Bank 22.2% $200M · 1,153 loans LO Live Oak Banking Company 5.8% $52M · 48 loans MB MVB Bank, Inc. 5.4% $49M · 172 loans G Gbank 4.4% $39M · 13 loans CT Community Trust Bank, Inc. 3.9% $36M · 93 loans TB Truist Bank 3.9% $35M · 223 loans CM Clear Mountain Bank, Inc. 3.4% $31M · 156 loans FW First Western SBLC LLC 3.2% $29M · 11 loans PB Peoples Bank 2.6% $24M · 88 loans CB Citizens Bank of West Virginia, I… 2.0% $18M · 77 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer, MVB Bank Inc among them; owner-occupied excluded; bold marks a screen met
MVB Bank IncRankCohort median
Total CRE against capital, the 300% screen312%10th of 12252%
Construction against capital, the 100% screen56%6th of 1260%
Construction and land development, share of loans7.9%6th of 129.0%
Non-owner-occupied nonfarm nonresidential, share of loans33.1%11th of 1222.7%
Total CRE, the guidance definition, share of loans43.9%10th of 1237.2%
CRE growth over 36 months, the third prong+36.8%9th of 12+26.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Hometrust Bank$4.44B1.6%60.0%1.40%0.20%1.1%103.6%13.2%
Primis Bank$4.34B1.0%68.0%1.83%0.37%1.2%107.0%11.0%
First Bank & Trust Co.$4.28B1.8%40.0%0.28%0.22%1.3%95.2%9.9%
Vallant Bank$3.99B1.2%68.7%0.51%0.06%1.3%86.3%12.3%
Colony Bank$3.61B1.1%65.0%0.76%0.28%0.9%82.7%11.2%
First Community Bank$3.61B2.0%54.2%0.70%0.17%1.3%80.9%14.2%
MVB Bank Inc$3.50B1.4%64.3%1.18%0.23%1.1%79.5%9.5%
Banco Do Brasil Americas$3.47B1.5%49.9%0.83%0.02%1.3%70.9%10.8%
First Carolina Bank$3.41B0.8%76.7%0.81%0.00%0.8%95.6%13.4%
Georgia Banking Co.$3.26B1.1%64.6%0.67%0.08%1.1%90.0%9.7%
Bank of Tampa$3.02B1.2%58.0%0.29%0.03%1.3%76.7%9.8%
U S Century Bank$3.02B1.5%45.8%0.09%0.02%1.1%93.6%8.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
MVB Bank IncCohort median
20212026Change20212026Change
Loans$1.75B$2.48B+41%$1.28B$2.54B+99%
Deposits$2.40B$3.12B+30%$1.90B$3.06B+61%
NPA / loans1.22%1.18%-0.04 pts0.40%0.73%+0.33 pts
Efficiency63.2%64.3%+1.1 pts62.8%62.2%-0.6 pts
ROA1.70%1.40%-0.30 pts1.12%1.31%+0.19 pts

This read was prepared for MVB Bank Inc's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on MVB Bank Inc is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southeast banks $3B to $10B
Institution www.mvbbanking.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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