---
schema_version: "secwatch.filing_event.v1"
accession: "0001277902-25-000063"
form_type: "8-K"
ticker: "MVBF"
cik: "0001277902"
company_name: "MVB FINANCIAL CORP"
filed_at: "2025-04-30T23:59:59+00:00"
generated_at: "2026-05-23T02:02:54.860706+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# MVB Financial Q1 net income $3.6M ($0.27 diluted EPS); NIM expands 20 bps to 3.66% FTE

## Summary
- Net interest margin (FTE) rose 20 bps QoQ to 3.66%; net interest income up 7.1% to $26.9M.
- Noninterest expense fell 14.6% QoQ to $28.7M on lower salaries and professional fees.
- Loans declined 1.8% to $2.06B; deposits fell 4.1% to $2.58B; NIB deposits were 40% of total.
- Nonperforming loans down 17.6% to $20.3M (1.0% of loans); net charge-offs $0.9M (0.2%).
- Tangible book value per share up 2.1% QoQ to $23.85; quarterly dividend $0.17/share unchanged.

## SEC filing metadata
- accession: 0001277902-25-000063
- form_type: 8-K
- ticker: MVBF
- cik: 0001277902
- company_name: MVB FINANCIAL CORP
- filed_at: 2025-04-30T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1277902/000127790225000063/0001277902-25-000063-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1277902/000127790225000063/mvbf-20250430.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001277902-25-000063
- JSON: https://secwatch.observer/filing/0001277902-25-000063.json
- Plain text: https://secwatch.observer/filing/0001277902-25-000063.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.