{"schema_version":"secwatch.filing_event.v1","accession":"0001277902-25-000024","form_type":"8-K","ticker":"MVBF","cik":"0001277902","company_name":"MVB FINANCIAL CORP","filed_at":"2025-02-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.172691+00:00","generated_at":"2026-05-26T22:06:34.354064+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 Q4 2024 net income $9.4M, driven by $11.8M sale-leaseback gain","bullets":["Net income $9.4M ($0.72 diluted EPS), up $7.4M from Q3; revenue boosted by $11.8M gain on sale-leaseback.","Noninterest income surged 219.7% QoQ to $21.3M; noninterest expense up 14% to $33.6M on higher personnel/legal costs.","Loans fell 3.3% QoQ to $2.10B; deposits dropped 10.3% to $2.69B; NIM narrowed 15bp to 3.46% (FTE).","Nonperforming loans $24.6M (1.2% of loans) vs $8.3M (0.4%) a year ago; provision for credit losses $0.3M.","Capital ratios improved; CBLR 11.2%, Tier1 RBC 15.1%; dividend held at $0.17/share. Named Jeffrey Weidley as Chief Deposit Officer and Joe Rodriguez as Chief Risk Officer."],"urls":{"canonical":"https://secwatch.observer/filing/0001277902-25-000024","json":"https://secwatch.observer/filing/0001277902-25-000024.json","markdown":"https://secwatch.observer/filing/0001277902-25-000024.md","text":"https://secwatch.observer/filing/0001277902-25-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1277902/000127790225000024/0001277902-25-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1277902/000127790225000024/mvbf-20250213.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T22:06:34.354064+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}