BlastPoint's Banking Scorecard
MVB Bank, Inc
Community
Specialty: Commercial
WV
FDIC cert 34603
Fairmont, WV
1484
banks in Community tier nationally
10 in WV
View Community leaderboard (WV) →
MVB Bank, Inc shows strong momentum with 2 strengths and 5.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 15% in Community
- + Non-Interest-Bearing Deposit Share 19.39% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+5.8% YoY
+2.5% QoQ
|
+$1.9B |
$1.4B
+2.0% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$2.3B
+11.6% YoY
+3.8% QoQ
|
+$1.3B |
$975.5M
+2.4% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$2.8B
+5.3% YoY
+2.4% QoQ
|
+$1.7B |
$1.2B
+1.7% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.46%
+34.0% YoY
-5.6% QoQ
|
+0.29% |
1.16%
+17.2% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
3.89%
+4.6% YoY
+0.8% QoQ
|
+0.23% |
3.66%
+9.1% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
59.33%
-13.4% YoY
+6.1% QoQ
|
-3.30% |
62.63%
-5.3% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
1.32%
+11.6% YoY
+12.6% QoQ
|
+0.69% |
0.63%
+18.3% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
81.47%
+6.0% YoY
+1.3% QoQ
|
-1.60% |
83.06%
+0.3% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
40.43%
+14.7% YoY
+8.9% QoQ
|
+19.39% |
21.05%
-0.9% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.96%
+7.6% YoY
+13.6% QoQ
|
+0.46% |
0.50%
+20.3% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.72%
+43.2% YoY
+5.9% QoQ
|
+0.98% |
0.74%
-1.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#57 of 371 · Top 15% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.72%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.46%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Community
Why this stands out
Current:
40.43%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 40.43% · Tier avg: 21.05%
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
94
94th pctile
Non-Interest Income / Assets
Current: 1.72% · Tier avg: 0.74%
93
93th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
93
93th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
59
59th pctile
Efficiency Ratio
Current: 59.33% · Tier avg: 62.63%
41
41th pctile
Loan-to-Deposit Ratio
Current: 81.47% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.50%
19
19th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.63%
Top Weaknesses
19
19th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.63%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Loan-to-Deposit Ratio
Current: 81.47% · Tier avg: 83.06%
59
59th pctile
Efficiency Ratio
Current: 59.33% · Tier avg: 62.63%
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
93
93th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
93
93th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
94
94th pctile
Non-Interest Income / Assets
Current: 1.72% · Tier avg: 0.74%
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 40.43% · Tier avg: 21.05%