---
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"
generated_at: "2026-05-16T02:56:14.193221+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1277902/000127790226000009/0001277902-26-000009-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1277902/000127790226000009/mvbf-20260212.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001277902-26-000009
- JSON: https://secwatch.observer/filing/0001277902-26-000009.json
- Plain text: https://secwatch.observer/filing/0001277902-26-000009.txt

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