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MVB Financial Corp (MVBF) investor relations material
MVB Financial Corp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Net income for Q2 2025 was $2.0 million, down from $4.1 million in Q2 2024 and $3.6 million in Q1 2025; six-month net income was $5.6 million, down from $8.6 million year-over-year.
Loan balances increased $90.0 million in Q2 2025, with a 4.4% sequential rise after five quarters of contraction.
Deposit growth of 8.5% was achieved despite seasonal headwinds, reflecting strong execution of strategy.
Interest rates remained elevated, with the Federal Reserve maintaining a 4.25% to 4.5% range through June 2025.
The company remains committed to growth in gaming, payments, and banking-as-a-service, expanding treasury and compliance functions.
Financial highlights
Net interest income for Q2 2025 was $25.8 million, down $1.8 million year-over-year; six-month net interest income was $52.5 million, down $5.2 million.
Noninterest income rose to $7.9 million in Q2 2025, up 13.4% sequentially, mainly from higher equity method investment and payment card income.
Noninterest expense declined to $28.6 million in Q2 2025, down 0.5% from Q1 2025 and 1.2% from Q2 2024.
Provision for credit losses increased to $2.0 million from $0.2 million in Q1 2025, driven by loan growth.
Net interest margin (tax-equivalent) was 3.69% for Q2 2025, up 3 bps sequentially but down 6 bps year-over-year.
Outlook and guidance
Management expects continued economic volatility in core markets over the next one to two years.
Focus remains on expanding deposit acquisition and fee income strategies, especially through Fintech.
Management expects continued strong loan demand and a robust pipeline heading into the second half of 2025.
Underlying business momentum is viewed as strong, with confidence in delivering long-term value.
Capital levels remain strong, with a community bank leverage ratio of 11.4%, above the 9% minimum.
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Next MVB Financial Corp earnings date
Q3 202529 Oct, 2025
Next MVB Financial Corp earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
MVB Financial Corp. is a financial holding company that operates through its primary subsidiary, MVB Bank, Inc. The company provides a range of financial services to individuals and businesses, with operations segmented into CoRe Banking, Mortgage Banking, and Financial Holding. MVB offers traditional banking products such as deposit accounts, loans, and credit lines. Additionally, the company is actively involved in the fintech sector, offering services like Banking-as-a-Service (BaaS) to fintech companies, particularly those in gaming, payments, and digital assets. MVB Financial also provides fraud prevention solutions and digital banking tools. The company operates full-service branches mainly in West Virginia and Virginia. MVB Financial Corp. is headquartered in Fairmont, West Virginia, and its shares are listed on the NASDAQ.
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