{"schema_version":"secwatch.filing_event.v1","accession":"0001277902-25-000161","form_type":"8-K","ticker":"MVBF","cik":"0001277902","company_name":"MVB FINANCIAL CORP","filed_at":"2025-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.569417+00:00","generated_at":"2026-05-18T00:09:49.721818+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"MVB Financial Q2 net income $2.0M; EPS $0.16 misses expectations; loan growth 4.4%","bullets":["Net income of $2.0M ($0.16 diluted EPS); CEO says earnings fell short due to loan growth timing.","Loan balances up 4.4% QoQ to $2.15B; deposit growth 8.5% to $2.80B.","Net interest margin (tax-equivalent) 3.69%, up 3bps QoQ; provision for credit losses $2.0M (up from $0.2M prior quarter).","Repurchased 314,580 shares for $6.4M under new $10M buyback authorization.","Criticized loans declined 16.6% to $112.9M; net charge-offs $0.2M (0.04% annualized)."],"urls":{"canonical":"https://secwatch.observer/filing/0001277902-25-000161","json":"https://secwatch.observer/filing/0001277902-25-000161.json","markdown":"https://secwatch.observer/filing/0001277902-25-000161.md","text":"https://secwatch.observer/filing/0001277902-25-000161.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1277902/000127790225000161/0001277902-25-000161-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1277902/000127790225000161/mvbf-20250728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T00:09:49.721818+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"}