{"schema_version":"secwatch.filing_event.v1","accession":"0001277902-23-000176","form_type":"8-K","ticker":"MVBF","cik":"0001277902","company_name":"MVB FINANCIAL CORP","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.510831+00:00","generated_at":"2026-06-09T08:02:10.353457+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"MVB Financial Q3 net income $3.9M; NIM improves, but criticized loans jump to 6.1%","bullets":["Net income $3.9M ($0.29 diluted EPS); net interest margin up 10 bps to 3.87%.","Total deposits up 2.7% QoQ to $3.04B; noninterest-bearing deposits up 10.8%.","Nonperforming loans down 22.4% to $10.6M, but criticized loans rose to 6.1% from 3.1%.","Net charge-offs surged to $5.9M (1.0% annualized) vs $1.2M prior quarter, driven by one energy client.","Noninterest expense up 1.5% to $30.7M on higher professional fees for compliance enhancements."],"urls":{"canonical":"https://secwatch.observer/filing/0001277902-23-000176","json":"https://secwatch.observer/filing/0001277902-23-000176.json","markdown":"https://secwatch.observer/filing/0001277902-23-000176.md","text":"https://secwatch.observer/filing/0001277902-23-000176.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1277902/000127790223000176/0001277902-23-000176-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1277902/000127790223000176/mvbf-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T08:02:10.353457+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"1569a513fb7c7fd26f633dcbc81b3de1f22d2d55","claim":"MVB FINANCIAL CORP reported the third quarter of 2023 results: net income net income of $3.9 million, EPS $0.30 basic and $0.29 diluted earnings per share.","evidence_excerpt":"MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB” or the “Company”), the holding company for MVB Bank, Inc. (\"MVB Bank\"), today announced financial results for the third quarter of 2023, with reported net income of $3.9 million, or $0.30 basic and $0.29 diluted earnings per share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1277902/000127790223000176/0001277902-23-000176-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter of 2023"},{"label":"Net income","value":"net income of $3.9 million"},{"label":"EPS","value":"$0.30 basic and $0.29 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}