{"schema_version":"secwatch.filing_event.v1","accession":"0001277902-25-000100","form_type":"8-K","ticker":"MVBF","cik":"0001277902","company_name":"MVB FINANCIAL CORP","filed_at":"2025-05-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.819894+00:00","generated_at":"2026-05-20T23:43:45.683225+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"MVB Financial highlights 55% payment revenue CAGR; fintech deposits grow 123% CAGR","bullets":["Payment revenue $478K in 2024 (55% CAGR 2021-2024); avg payment deposits $7.67B (123% CAGR).","Gross fee income from fintech banking $15.3M in 2024, up from $1.3M in 2020 (86% CAGR).","Off-balance sheet deposits grew 31% YoY; total deposit base continues expanding.","NPL/Total Loans 0.36% vs peers 0.51%; NCOs remain low; ACL 0.94%.","Tier 1 leverage ratio 11.2%; tangible common equity 9.7% as of 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001277902-25-000100","json":"https://secwatch.observer/filing/0001277902-25-000100.json","markdown":"https://secwatch.observer/filing/0001277902-25-000100.md","text":"https://secwatch.observer/filing/0001277902-25-000100.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1277902/000127790225000100/0001277902-25-000100-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1277902/000127790225000100/mvbf-20250520.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-20T23:43:45.683225+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"}