MVB Financial Q4 2025 net income $4.2M ($0.32 EPS); net interest income up 6.8%, loans grow 3.7%

MVB FINANCIAL CORP

2025-FY EPS reported $2.06

Net income $4.2M, $0.32 diluted EPS; net interest margin expanded 17bps to 3.70%.
Loan balances $2.34B, up 3.7% from Q3; noninterest bearing deposits increased to 40.3% of total deposits.
Payment card and service charge income $4.5M, up 19.4% from prior quarter.
Net charge-offs $3.9M (0.68% annualized) vs $0.7M (0.12%) in Q3; provision for credit losses $2.1M.
Nonperforming loans $30.7M (1.3% of loans); criticized loans improved to 3.6% from 4.1%.

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