BlastPoint's Banking Scorecard
MVB Bank, Inc
Designations: ✓ Community bank
Fairmont, WV
7 branches across WV · VA
MVB Bank, Inc has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.72% above tier average
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 31.0% in tier
- - Efficiency Ratio 5.04% above tier average
- - Delinquency Rate 0.57% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+10.2% YoY
+0.3% QoQ
|
+$461.4M |
$2.8B
-0.1% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$2.4B
+16.5% YoY
+2.6% QoQ
|
+$416.3M |
$2.0B
+0.6% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$2.9B
+12.1% YoY
+1.9% QoQ
|
+$559.1M |
$2.3B
-0.3% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
76% |
| Return on Assets ? |
1.00%
-19.7% YoY
-31.5% QoQ
|
-0.37% |
1.37%
+19.6% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
3.98%
-0.5% YoY
+2.2% QoQ
|
+0.16% |
3.82%
+6.9% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
66.11%
-5.0% YoY
+11.4% QoQ
|
+5.04% |
61.06%
-4.6% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
1.46%
-21.9% YoY
+10.5% QoQ
|
+0.57% |
0.89%
+14.1% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
82.04%
+3.9% YoY
+0.7% QoQ
|
-2.16% |
84.20%
+0.3% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
35.01%
-12.7% YoY
-13.4% QoQ
|
+13.72% |
21.29%
-2.5% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
Top 9.0% in tier |
| Nonperforming Asset Ratio ? |
1.08%
-21.8% YoY
+12.7% QoQ
|
+0.40% |
0.67%
+15.6% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
10.15%
-7.1% YoY
-8.9% QoQ
|
-5.01% |
15.16%
+2.0% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.9% in tier |
| Non-Interest Income / Assets ? |
0.18%
-22.1% YoY
-89.6% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
65% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.