MVB Bank, Inc: how it compares with its peers
Against 447 U.S. banks with half to twice its assets, MVB Bank, Inc's strongest measure in Q2 2026 is net interest margin (4.11% vs. a 3.68% peer median). Its weakest relative measure is efficiency ratio (64.29% vs. 58.13%).
| Measure | MVB Bank, Inc | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.43% | 1.27% | Middle third Ahead of 65% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.11% | 3.68% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.29% | 58.13% | Bottom third Ahead of 28% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.2M | $9.2M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.55% | 88.61% | Context |
What it means for lending operations
Its efficiency ratio of 64.29% is above the 58.13% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Ann Arbor Ann Arbor, MI · $3.50B
- First Farmers Bank & Trust Co. Converse, IN · $3.50B
- The Farmers & Merchants State Bank Archbold, OH · $3.49B
- Cache Valley Bank Logan, UT · $3.49B
- Ponce Bank, National Association Bronx, NY · $3.49B
- Banco do Brasil Americas Miami, FL · $3.47B
Questions about MVB Bank, Inc
How big is MVB Bank, Inc?
MVB Bank, Inc, established in 1999, is headquartered in Fairmont, WV. It reported $3.50B in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is MVB Bank, Inc's return on assets?
1.43% annualized in Q2 2026, against a 1.27% median for 447 U.S. banks with half to twice its assets, ahead of 65% of them.
What is MVB Bank, Inc's efficiency ratio?
64.29% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 58.13%, and lower is better.
Is MVB Bank, Inc growing its loans?
Net loans grew 14.8% over the year to Q2 2026, while deposits grew 10.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every West Virginia bank ranked.