secwatch.observer — SEC 8-K summary
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Issuer:     MVB FINANCIAL CORP (MVBF)
CIK:        0001277902
Form:       8-K
Filed at:   2026-02-12T23:59:59+00:00
Accession:  0001277902-26-000009
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1277902/000127790226000009/0001277902-26-000009-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1277902/000127790226000009/mvbf-20260212.htm
  HTML page:      https://secwatch.observer/filing/0001277902-26-000009

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