MVB Bank, Inc

Fairmont, West VirginiaFDIC Cert #34603

STATEEstablished 19997 branches

Holding company: MVB FINANCIAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$212M
Investor CRE	$832M
Multifamily	$69.3M
Construction	$209M
1–4 family	$575M
C&I	$465M
Agriculture	$247K
Other	$40.8M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$2.4B

+16.5%y/y

Percentile by value14th percentileby value

FDICLNLSGR

Net loans

$2.38B

+16.5%y/y

Percentile by value16th percentileby value

FDICLNLSNET

Loans YoY

+16.49%

+284.7%y/y

Percentile by value87th percentileby value

FDICLNLSNET

L/D

82.0%

+3.9%y/y

Percentile by value37th percentileby value

FDICLNLSNET + DEP

Loans/assets

72.7%

+5.7%y/y

Percentile by value45th percentileby value

FDICLNLSNET + ASSET

RE loans %

79.75%

+0.4%y/y

Percentile by value49th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,307points

+8.4%y/y

Peer standing32nd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

8.83%

−9.9%y/y

Percentile by value35th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

34.61%

+23.1%y/y

Percentile by value89th percentileby value

FDICLNRENROT + LNLSGR

C&I %

19.34%

−6.0%y/y

Percentile by value69th percentileby value

FDICLNCI + LNLSGR