{"schema_version":"secwatch.filing_event.v1","accession":"0001277902-26-000009","form_type":"8-K","ticker":"MVBF","cik":"0001277902","company_name":"MVB FINANCIAL CORP","filed_at":"2026-02-12T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.692061+00:00","generated_at":"2026-05-16T02:56:14.193221+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"MVB Financial Q4 2025 net income $4.2M ($0.32 EPS); net interest income up 6.8%, loans grow 3.7%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001277902-26-000009","json":"https://secwatch.observer/filing/0001277902-26-000009.json","markdown":"https://secwatch.observer/filing/0001277902-26-000009.md","text":"https://secwatch.observer/filing/0001277902-26-000009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1277902/000127790226000009/0001277902-26-000009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1277902/000127790226000009/mvbf-20260212.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T02:56:14.193221+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"}