MVB Bank, Inc is a state-chartered bank headquartered in Fairmont, West Virginia, in business for about 27 years. At the end of Q2 2026 it reported $3.5B in total assets and $3.1B in deposits, with 7 offices across 2 states.
Based on its Q2 2026 filing, MVB Bank, Inc scores 63/100, which we describe as moderate. That is higher than only 30% of 897 banks with $1 billion – $10 billion. Among 40 banks headquartered in West Virginia, it ranks 31st. Its strongest component is problem-loan coverage (83/100; 8.3%), and its lowest is capital cushion (53/100; 10.27%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (56 → 63), mostly because the loan quality component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 61 |
| Q4 2024 | 64 |
| Q1 2025 | 57 |
| Q2 2025 | 56 |
| Q3 2025 | 66 |
| Q4 2025 | 63 |
| Q1 2026 | 56 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.67% |
| Q3 2024 | 10.93% |
| Q4 2024 | 11.18% |
| Q1 2025 | 10.93% |
| Q2 2025 | 11.38% |
| Q3 2025 | 11.10% |
| Q4 2025 | 11.14% |
| Q1 2026 | 10.15% |
| Q2 2026 | 10.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 1.32% |
| Q4 2024 | 1.17% |
| Q1 2025 | 1.85% |
| Q2 2025 | 1.81% |
| Q3 2025 | 1.16% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.18% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 0.90% |
| Q4 2024 | 1.09% |
| Q1 2025 | 1.24% |
| Q2 2025 | 0.91% |
| Q3 2025 | 1.55% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.00% |
| Q2 2026 | 1.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $3.5B | 10.27% | 1.18% | 1.43% | 78.5% |
| Q1 2026 | 56 | $3.3B | 10.15% | 1.45% | 1.00% | 82.0% |
| Q4 2025 | 63 | $3.3B | 11.14% | 1.31% | 1.46% | 81.5% |
| Q3 2025 | 66 | $3.2B | 11.10% | 1.16% | 1.55% | 80.4% |
| Q2 2025 | 56 | $3.2B | 11.38% | 1.81% | 0.91% | 75.9% |
| Q1 2025 | 57 | $3.0B | 10.93% | 1.85% | 1.24% | 78.9% |
| Q4 2024 | 64 | $3.1B | 11.18% | 1.17% | 1.09% | 76.9% |
| Q3 2024 | 61 | $3.4B | 10.93% | 1.32% | 0.90% | 71.5% |
| Q2 2024 | 64 | $3.3B | 10.67% | 1.05% | 1.01% | 75.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Clear Mountain BankBank Bruceton Mills, WV | 83 out of 100, Strong | $1.0B | 13.1% | 0.30% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |
Deposit insurance
Is my money safe at MVB Bank, Inc?
Yes. MVB Bank, Inc is an FDIC-insured institution (FDIC certificate #34603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.3% of deposits ($1.2B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
MVB Bank, Inc lists 7 offices in 5 cities across 2 states. Most locations:
- Fairmont, WV (2)
- Morgantown, WV (2)
- Bridgeport, WV (1)
- Clarksburg, WV (1)
- Reston, VA (1)
Identity & history
Profile
- Legal name
- MVB Bank, Inc
- Former names
- The Monongahela Valley Bank, Inc.
- Type
- State-chartered bank
- FDIC certificate #
- 34603
- RSSD ID
- 2757205
- Primary regulator
- FDIC
- Holding company
- Mvb Financial Corp
- Established
- January 4, 1999
- Headquarters
- 301 Virginia Ave, Fairmont, WV 26554
- Website
- www.mvbbanking.com
- Employees
- 286
Quick answers
MVB Bank, Inc: common questions
Is MVB Bank, Inc FDIC insured?
Yes. MVB Bank, Inc is an FDIC-insured institution (FDIC certificate #34603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is MVB Bank, Inc's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has MVB Bank, Inc ever failed?
There is no failure record for FDIC certificate #34603 in the FDIC failed bank list.
How many branches does MVB Bank, Inc have?
7 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Fairmont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wvu Employees Federal Credit UnionCredit union Morgantown, WV | 97 out of 100, Very strong | $67.8M | 22.8% | 0.23% | vs |
| Harrison County Federal Credit UnionCredit union Nutter Fort, WV | 91 out of 100, Very strong | $15.6M | 18.4% | 0.14% | vs |
| Marion County School Employees Federal Credit UnionCredit union Fairmont, WV | 89 out of 100, Very strong | $9.9M | 20.7% | 0.53% | vs |
| Hope Federal Credit UnionCredit union Bridgeport, WV | 89 out of 100, Very strong | $43.3M | 19.9% | 0.38% | vs |
| Citizens Bank of Morgantown, Inc.Bank Morgantown, WV | 87 out of 100, Very strong | $52.6M | 18.8% | 0.09% | vs |
| Clear Mountain BankBank Bruceton Mills, WV | 83 out of 100, Strong | $1.0B | 13.1% | 0.30% | vs |