Total Assets
$3.3B
Total balance-sheet footings
FDIC Cert #34603 · Fairmont, West Virginia · Est. 1999
MVB Bank, Inc - FDIC Bank Health Profile
A community-scale look at MVB Bank, Inc's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.3B
- Total assets
- B
- Health grade · Good
- 1.46%
- Return on assets
- 11.1%
- Tier 1 capital
Data updated July 2026
The verdict
MVB Bank, Inc earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.14% Tier 1, profitable at 1.46% ROA, efficient (59% cost ratio).
- #393
- largest of 4,313 FDIC banks by assets
- 91st
- percentile by asset size, nationally
- 11.14%
- Tier 1 ratio - above the 10% well-capitalized line
- 72nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How MVB Bank, Inc's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
MVB Bank, Inc's composite health score
Tier 1 Capital Ratio (11.14%) 28/40
Return on Assets (ROA) (1.46%) 20/25
Texas Ratio (8.22%) 16/20
Efficiency Ratio (59.33%) 12/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.8B
Customer-funded liabilities
Net Loans
$2.3B
Outstanding loan book
Net Income
$46M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where MVB Bank, Inc ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. MVB Bank, Inc's score of 76/100 falls in the highlighted band.
MVB Bank, Inc's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). MVB Bank, Inc's $3.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.14%
Texas Ratio
8.22%
Equity Capital
$351M
Profitability metrics
Return on Assets (ROA)
72nd percentile nationally
1.46%
Return on Equity (ROE)
13.74%
Efficiency Ratio
59.33%
What the numbers say about MVB Bank, Inc
MVB Bank, Inc is an FDIC-insured institution (Certificate #34603) headquartered in Fairmont, West Virginia, established in 1999. It holds $3.3B in total assets - 393rd of 4,313 FDIC-insured banks, $2.8B in customer deposits, and $2.3B in net loans. Its capital position: a Tier 1 ratio of 11.14%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 8.22% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, MVB Bank, Inc sits in the top decile of all FDIC-insured institutions by asset size (393rd of 4,313), and within West Virginia it ranks 3rd of 42 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Clear Mountain Bank, at $985M. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$175M
Interest Income
$56M
Non-Interest Income
$99M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. MVB Bank, Inc reports a Texas Ratio of 8.22% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.22% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) MVB Bank, Inc (FDIC Cert #34603) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc.Wheeling | $27.6B | A | 0.91% |
| City National Bank of West VirginiaCharleston | $6.7B | A | 2.01% |
| Clear Mountain BankBruceton Mills | $985M | A | 1.28% |
| Potomac BankCharles Town | $943M | A | 1.04% |
| Pendleton Community Bank, Inc.Franklin | $814M | B | 1.01% |
| CNB Bank, Inc.Berkeley Springs | $786M | B | 0.78% |
| Citizens Bank of West Virginia, Inc.Elkins | $705M | A | 1.59% |
| Putnam County BankHurricane | $651M | B | 0.88% |
Frequently asked questions
What is MVB Bank, Inc's health grade?▼
MVB Bank, Inc receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is MVB Bank, Inc?▼
MVB Bank, Inc holds $3.3B in total assets and $2.8B in deposits, ranking 393rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Fairmont, West Virginia.
Is my money safe at MVB Bank, Inc?▼
Yes, deposits at MVB Bank, Inc (Certificate #34603) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is MVB Bank, Inc's Tier 1 Capital Ratio?▼
MVB Bank, Inc has a Tier 1 Capital Ratio of 11.14%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for MVB Bank, Inc?▼
MVB Bank, Inc has a Texas Ratio of 8.22%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is MVB Bank, Inc?▼
MVB Bank, Inc has an Efficiency Ratio of 59.33%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read MVB Bank, Inc's profile as a depositor or analyst.
- MVB Bank, Inc's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare MVB Bank, Inc against other West Virginia banks before moving funds. West Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.