BlastPoint's Banking Scorecard
MVB Bank, Inc
Designations: ✓ Community bank
Fairmont, WV
7 branches across WV · VA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 3 in WV.
- Deposits +10.9% year over year ($3.1B on the books).
- Delinquency rate 1.19%.
- Return on assets 1.43%.
- Efficiency ratio 64.29% vs a 59.73% peer average.
- Loan-to-deposit ratio 78.55% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
MVB Bank, Inc has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.21% above tier average
- + Net Interest Margin 0.24% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 4.56% above tier average
- - Delinquency Rate 0.33% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+10.0% YoY
+6.7% QoQ
|
+$703.8M |
$2.8B
-0.6% YoY
|
$1.3B
+5.7% YoY
|
$6.3B
+7.7% YoY
|
77% |
| Total Loans ? |
$2.4B
+14.8% YoY
+2.8% QoQ
|
+$485.0M |
$2.0B
-0.3% YoY
|
$899.3M
+7.6% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$3.1B
+10.9% YoY
+7.4% QoQ
|
+$798.0M |
$2.3B
-0.5% YoY
|
$1.1B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
79% |
| Return on Assets ? |
1.43%
+57.8% YoY
+43.3% QoQ
|
+0.04% |
1.39%
+17.0% YoY
|
1.06%
+30.6% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
4.11%
+6.6% YoY
+3.4% QoQ
|
+0.24% |
3.87%
+6.2% YoY
|
3.90%
+8.7% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
64.29%
-10.1% YoY
-2.7% QoQ
|
+4.56% |
59.73%
-12.6% YoY
|
68.34%
-7.3% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
1.19%
-34.8% YoY
-18.2% QoQ
|
+0.33% |
0.87%
+11.7% YoY
|
0.74%
+17.9% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
78.55%
+3.5% YoY
-4.3% QoQ
|
-6.49% |
85.04%
-0.1% YoY
|
79.72%
+2.0% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
34.48%
-8.2% YoY
-1.5% QoQ
|
+13.21% |
21.27%
-1.5% YoY
|
26.43%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Top 9.3% in tier |
| Nonperforming Asset Ratio ? |
0.86%
-32.6% YoY
-20.2% QoQ
|
+0.19% |
0.67%
+11.7% YoY
|
0.55%
+10.4% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
10.27%
-9.7% YoY
+1.2% QoQ
|
-4.57% |
14.84%
-0.4% YoY
|
14.02%
-0.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 8.4% in tier |
| Non-Interest Income / Assets ? |
0.36%
-8.0% YoY
+101.3% QoQ
|
-0.16% |
0.53%
+2.5% YoY
|
0.30%
+5.9% YoY
|
0.66%
+5.2% YoY
|
66% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
34.5%
-3.1pp YoY -0.5pp QoQ |
+13.1pp | 21.4% | 27.1% | 22.2% | 91% |
| Brokered Deposits |
10.1%
-0.8pp YoY -0.2pp QoQ |
+0.6pp | 9.5% | 3.0% | 8.5% | 69% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.7%
+0.2pp YoY +0.1pp QoQ |
+5.7pp | 14.0% | 7.1% | 12.5% | 80% |
| CRE |
53.2%
-1.9pp YoY -2.3pp QoQ |
+3.2pp | 50.0% | 33.8% | 41.4% | 61% |
| 1-4 Family |
26.4%
+1.1pp YoY +2.3pp QoQ |
0.0pp | 26.4% | 52.8% | 31.3% | 58% |
| Consumer |
1.5%
+0.7pp YoY +0.1pp QoQ |
-3.2pp | 4.7% | 7.9% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 17.1% | 19.7% | n/a |
| Leverage Ratio |
10.3%
-1.1pp YoY +0.1pp QoQ |
-1.0pp | 11.3% | 11.6% | 12.6% | 44% |
| Total Capital Ratio | n/a | n/a | 16.7% | 18.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
286
-15 (-5.0%) YoY 0 QoQ |
-28 | 313 | 161 | 482 | 63% |
| Assets per Employee ($) |
$12.2M
+15.7% YoY +6.7% QoQ |
+$1.7M | $10.5M | $6.1M | $8.8M | 79% |
| Branch Count |
7
0 YoY 0 QoQ |
-13 | 20 | 13 | 18 | 17% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.2%
+0.2pp YoY -0.3pp QoQ |
+0.4pp | 0.8% | 0.7% | 1.0% | 79% |
| Allowance Coverage |
0.97x
+81.3% YoY +48.3% QoQ |
-17.74x | 18.71x | 6.60x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 0.3% | 0.1% | 0.2% | 83% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
+5.6pp YoY +4.6pp QoQ |
+1.6pp | 12.6% | 10.6% | 11.6% | 67% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.5% | 1.7% | 61% |
| Net Income ($, YTD) |
$24.0M
+71.4% YoY — QoQ |
+$4.7M | $19.2M | $9.0M | $40.4M | 76% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.