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Mvb Bank, Inc
Fairmont, WV · FDIC Certificate #34603 · Chartered 01/0
Total assets
$3.50B
Total deposits
$3.12B
Total equity
$332.39M
Net loans
$2.45B
Branches (offices)
7
Net income (YTD)
$23.95M
Rank: #369 of 4,213 U.S. banks by assets · #3 of 41 in West Virginia. Assets changed 10.0% and deposits 10.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.43% |
| Return on equity | 14.24% |
| Net interest margin (YTD) | 4.11% |
| Equity to assets | 9.50% |
| Tier 1 leverage ratio | 10.27% |
| Uninsured deposits (share of deposits) | 39.3% |
| Noncurrent loans (share of loans) | 1.18% |
| Net charge-offs (share of loans) | 0.24% |
| Loans to deposits | 78.5% |
| Real estate loans (share of loans) | 79.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.95B | 79.6% | |
| Commercial & industrial | $481.65M | 19.7% | |
| Consumer / individual | $36.68M | 1.5% | |
| Construction & development | $196.68M | 8.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.98B | $2.63B | $12.62M | $304.89M |
| Jun 2023 | $3.32B | $2.97B | $24.77M | $303.38M |
| Jun 2024 | $3.25B | $2.89B | $16.97M | $317.02M |
| Jun 2025 | $3.18B | $2.81B | $13.97M | $321.69M |
| Jun 2026 | $3.50B | $3.12B | $23.95M | $332.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $2.91B | 6 |
| Virginia | $205.78M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.12B.
Similar-sized banks
Old Plank Trail Community Bank, National Association ($3.53B) · Bank Of Ann Arbor ($3.50B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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