# EDGAR Filing Document

**Accession Number:** 0001277902
**File Stem:** 0001277902-26-000033
**Filing Date:** 2026-3
**Character Count:** 24971
**Document Hash:** b3cb3ca7c915fd0d95bf020346e4ff1c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001277902-26-000033.hdr.sgml**: 20260325

**ACCESSION NUMBER**: 0001277902-26-000033

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 38

**CONFORMED PERIOD OF REPORT**: 20260325

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260325

**DATE AS OF CHANGE**: 20260325

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MVB FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0001277902
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 200034461
- **STATE OF INCORPORATION:** WV
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-38314
- **FILM NUMBER:** 26793604

**BUSINESS ADDRESS:**
- **STREET 1:** 301 VIRGINIA AVENUE
- **CITY:** FAIRMONT
- **STATE:** WV
- **ZIP:** 26554-2777
- **BUSINESS PHONE:** 3043634800

**MAIL ADDRESS:**
- **STREET 1:** 301 VIRGINIA AVENUE
- **CITY:** FAIRMONT
- **STATE:** WV
- **ZIP:** 26554-2777

?xml version='1.0' encoding='ASCII'? mvbf-20260325

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934**

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| | |
|:---|:---|
| **Date of Report (Date of earliest event reported):** | **March 25, 2026** |

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| |
|:---|
| **MVB Financial Corp.** |
| **(Exact name of registrant as specified in its charter)** |

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| | | |
|:---|:---|:---|
| **West Virginia** | **001-38314** | **20-0034461** |
| (State or other jurisdiction of incorporation) | (Commission File Number) | (IRS Employer Identification No.) |

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| | |
|:---|:---|
| **301 Virginia Avenue, Fairmont, WV** | **26554-2777** |
| (Address of principal executive offices) | (Zip Code) |

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| |
|:---|
| **(304) 363-4800** |
| (Registrant's telephone number, including area code) |
| **Not Applicable** |
| (Former name or former address, if changed since last report) |

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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| | | |
|:---|:---|:---|
| Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: |  |
| **Title of each class** | **Trading Symbol(s)** | **Name of each exchange on which registered** |
| Common stock, $1.00 par value | MVBF | The Nasdaq Stock Market LLC |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). &nbsp;&nbsp;&nbsp;&nbsp;

Emerging growth company ☐ &nbsp;&nbsp;&nbsp;&nbsp;

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**Item 7.01.&nbsp;&nbsp;&nbsp;&nbsp;Regulation FD Disclosure.**

MVB Financial Corp. ("MVB") hereby furnishes slides for use in connection with investor presentations. The slides are attached hereto as <u>[Exhibit 99.1](mvb_investorxdeckxmarch2.htm)</u>. These slides will be available on MVB's website at ir.mvbbanking.com.

The information furnished by MVB pursuant to this Item 7.01, including <u>[Exhibit 99.1](mvb_investorxdeckxmarch2.htm)</u>, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, (the "Exchange Act") or otherwise subject to the liability of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act.

**Item 9.01.&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits.**

(d) Exhibits.

<u>[99.1](mvb_investorxdeckxmarch2.htm)</u>&nbsp;&nbsp;&nbsp;&nbsp;Slides presented by MVB Financial Corp. to investors on or after March 25, 2026

104&nbsp;&nbsp;&nbsp;&nbsp;Cover Page Interactive Data File (embedded within the Inline XBRL document)

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

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| | |
|:---|:---|
| **MVB Financial Corp.** | **MVB Financial Corp.** |
| By: | /s/ Michael R. Sumbs |
|  | Michael R. Sumbs<br>Executive Vice President and Chief Financial Officer |

---

Date: March 25, 2026

## Exhibit 99.1

![](mvb_investorxdeckxmarch2001.jpg)©2026 MVB \| Proprietary INVESTOR PRESENTATION Q 4 2 0 2 5 MVB FINANCIAL CORP. (N A S D A Q : M V B F)

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![](mvb_investorxdeckxmarch2002.jpg)

FORWARD-LOOKING STATEMENTS Investor Presentation \| 2026 2 MVB Financial Corp. ("MVB" or the "Company") has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, in this earnings release that are intended to be covered by the protections provided under the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on current expectations about the future and subject to risks and uncertainties. Forward-looking statements include, without limitation, information concerning possible or assumed future results of operations of the Company and its subsidiaries. Forward-looking statements can be identified by the use of words such as "may," "could," "should,", "would," "will," "plans," "believes," "estimates," "expects," "anticipates," "intends," "continues," or the negative of those terms or similar expressions. Note that many factors could affect the future financial results of the Company and its subsidiaries, both individually and collectively, and could cause those results to differ materially from those expressed in forward-looking statements. Therefore, undue reliance should not be placed upon any forward-looking statements. Those factors include but are not limited to: market, economic, operational, liquidity, and credit risk; changes in market interest rates; inability to successfully execute business plans, including strategies related to investments in financial technology companies; competition; unforeseen events, such as pandemics or natural disasters, and any governmental or societal responses thereto, changes in economic, business, and political conditions; changes in demand for loan products and deposit flow; changes in deposit classifications, operational risks and risk management failures; and government regulation and supervision. Further, we urge you to carefully review and consider the cautionary statements and disclosures, specifically those made in Part I, Item 1A, Risk Factors, of our Annual Report on Form 10-K for the year ended December 31, 2025 (the "2025 Form 10-K"), filed with the Securities and Exchange Commission ("SEC") on March 12, 2026, and from time to time, in our other filings with the SEC. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of the stated report. Except to the extent required by law, we undertake no obligation to update any forward-looking statements in order to reflect any event or circumstance occurring after the date of this report or currently unknown facts or conditions or the occurrence of unanticipated events. All forward-looking statements are qualified in their entirety by this cautionary statement. Accounting standards require the consideration of subsequent events occurring after the balance sheet date for matters that require adjustment to, or disclosure in, the consolidated financial statements. The review period for subsequent events extends up to and including the filing date of a public company's financial statements when filed with the SEC. Accordingly, the consolidated financial information in this announcement is subject to change. The Company uses certain non-GAAP financial measures, such as tangible book value per share and tangible common equity to tangible assets, to provide information useful to investors in understanding the Company's operating performance and trends and to facilitate comparisons with the performance of the Company's peers. The non-GAAP financial measures used may differ from the non-GAAP financial measures other financial institutions use to measure their results of operations. Non-GAAP financial measures should be viewed in addition to, and not as an alternative for, the Company's reported results prepared in accordance with U.S. GAAP. Reconciliations of these non-GAAP financial measures to the most directly comparable U.S. GAAP financial measures are provided in the Appendix to this Presentation.

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![](mvb_investorxdeckxmarch2003.jpg)

MVB OVERVIEW By the Numbers, TTM $3.3B Total Assets 10% Revenue Growth $168M Revenue Ytd $2.3B Total Loans $2.8B Total Deposits $48B Payment Volume Processed Investor Presentation \| 2026 3 ▪ MVB is an innovative bank focused on powering solutions for leading Fintech companies nationwide ▪ The CoRe banking business provides stable foundation, low-cost of funding, and regulatory expertise while the Fintech platform drives growth and margin expansion Fintech Banking Platform Payment Services: Digital payment programs, Issuing, Acquiring BaaS: Deposit accounts, program structuring and administration ▪ Partners like Credit Karma Gaming: Deposits, account management, payment processing ▪ 40+ clients including DraftKings, FanDuel, BetMGM CoRe Banking Commercial and Retail Lending: Relationship-based C&I & CRE, specialty lending (government contracting, litigation finance), mortgage Deposit: Commercial Deposits & treasury management services

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![](mvb_investorxdeckxmarch2004.jpg)

INVESTMENT HIGHLIGHTS Investor Presentation \| 2026 4 A differentiated Fintech bank at an inflection point Multiple growth catalysts driven by expanding suite of Fintech product offerings Scalable business model — well positioned to capture expanding TAM Proven innovation engine — Victor sale validates builder/incubator DNA; leading AI & Automation Best-in-class, diversified core funding profile underpinned by strong capital and liquidity position Improving core profitability as Fintech and core bank initiatives take hold Valuation re-rating opportunity with shares trading at discount to bank and Fintech peers TAM – Total Addressable Market

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![](mvb_investorxdeckxmarch2005.jpg)

Our Why To positively impact people's financial lives, one life at a time MVB'S STRATEGY ON A PAGE (SOAP) We turned plans into action. Trust Commitment Teamwork Respect, Love & Caring Adaptive Purpose Trusted partners on the financial frontier, committed to your success Compliance and Risk Management Talent and Culture Operational Excellence Fintech Sponsorship Lending Strategic M&A Payments CoRe Lending & Deposits Client and Partner Relationships Banking as a Service Gaming Backer of FintechsBuilder of FintechsBanker of Choice to FintechsBanking That's Tech-Forward

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![](mvb_investorxdeckxmarch2006.jpg)

EXPERIENCED AND DEEP LEADERSHIP TEAM Investor Presentation \| 2026 6 Larry F. Mazza President and CEO Jeremy Kuiper Fintech President Mike Sumbs Chief Financial Officer Joseph R. Rodriguez Chief Risk and Legal Officer Julie A. O'Connor Chief Compliance Officer Michael L. Giorgio Chief Information Officer C. Brad Greathouse Chief Administrative Officer ▪ With an average of 20+ years of experience across Technologies, Banks and Financial Services

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![](mvb_investorxdeckxmarch2007.jpg)

Community Bank 1997–2016 ▪ Building the foundation ▪ Robust risk/compliance ▪ Strong capital Fintech Pivot 2017–2018 ▪ Fintech and BaaS era ▪ Payments and gaming ▪ Deposit diversification Builder Phase 2018–2025 ▪ Innovation ▪ Incubator/builder ▪ Victor Technologies ▪ Scaling payments Scaled Fintech 2026+ ▪ Scale fintech platform ▪ Sponsorship lending ▪ Robust payments pipeline ▪ Strengthen CoRe banking engine ▪ AI and automation MVB'S EVOLUTION THROUGH TECH INNOVATION Investor Presentation \| 2026 7 $1.5B Total Assets 2017 10.1% Organic Asset CAGR $3.3B Total Assets 2025

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![](mvb_investorxdeckxmarch2008.jpg)

$1.7B $1.1B $0.7B Off Balance Sheet Total Noninterest- bearing Deposits Total Interest- bearing Deposits $3.6B FROM COMMUNITY BANK TO LEADING FINTECH BANKING PLATFORM Fintech Expertise: Proven ability to identify, incubate, and monetize Fintech opportunities Regulatory Infrastructure: Established robust compliance framework supporting innovation Business Model Transformation: "Think bigger, do bigger" philosophy driving growth initiatives CoRe\* 58% Fintech 42% CoRe\* 95% 2018 Q4 2025 Investor Presentation \| 2026 8 $2.8B On-Balance Sheet Deposits Deposits (as of 12/31/25) 40% NIB Deposits/ Total Deposits $1.3B Total Deposits NIB Deposit: 17.1% NIM: 3.41% $2.8B Total Deposits NIB Deposit: 40.3% NIM: 3.63% Pie totals represent deposits NIB – Non-interest bearing , NIM – net interest margin

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![](mvb_investorxdeckxmarch2009.jpg)

MVB FINTECH BANKING GROWTH VEHICLES Investor Presentation \| 2026 9 Payments ▪ Digital payments – fee income ▪ Merchant acquiring – fee income ▪ Card Issuing – fee income and stable deposits Banking-as-a-Service ▪ Low-cost deposit accounts ▪ Emerging lending opportunities ▪ Six million bank account relationships Gaming ▪ Low-cost deposit accounts ▪ Player payouts – fee income $571M\* 2025 Avg. Deposits $7.2M 2025 Fee Income 55% Deposit CAGR (2020 – 2025) $1.1B\* 2025 Avg. Deposits 266% Deposit CAGR (2020 – 2025) $365M\* 2025 Avg. Deposits $6.1M 2025 Fee Income 17% Deposit CAGR (2020 – 2025) \* Includes on and off-balance sheet deposit balances

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![](mvb_investorxdeckxmarch2010.jpg)

ROBUST FINTECH PIPELINE Investor Presentation \| 2026 10 Finalizing Terms / Commercial Alignment 4 Implementation (Signed MSA or LOI) 6 Testing 4 Partner Service Launch Launched 1. Global Payments Provider (Fortune 500) Acquiring Q2 2025 2. Market Leading e-commerce Merchant Acquiring Q2 2025 3. Leading Neo-Bank Earned Wage Access Q4 2025 4. Pay by Bank Network Money Movement Q4 2025 5. Global Payments / Technology Company Money Movement Q4 2025 6. Digital Disbursements Issuing Q1 2026 7. Global Merchant Acquirer Real-Time Payments Q1 2026 Data as of March 25, 2026 Summary of Advanced-Stage Fintech Pipeline (# of Opportunities) Recent Launches (since Q2 2025) (New Partners or Products) • Strong pipeline of Fintech partnership opportunities across Issuing, Acquiring, Money Movement and Payments. 2 3 2 4 6 Q2 '25 Q3 '25 Q4 '25 Q1 '26 Testing Implementation • 7 new fintech partner / product launches since Q2 2025.

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![](mvb_investorxdeckxmarch2011.jpg)

TECHNOLOGY & RISK MANAGEMENT AS COMPETITIVE ADVANTAGE Investor Presentation \| 2026 11 Built Data Foundation: Implemented Snowflake to build clean data lake Upgraded Transaction Monitoring: Implemented AI- driven Risk Canvas Established Data and AI Center of Operational Excellence: Formed dedicated AI and Business Transformation team 2H 2025 2026 & Beyond 1H 2025 1H 2025 FY 2024 ✓ ✓ ✓ ✓ We are here Data & AI Partners Expansion Phase: Expanding digital workers across the organizationDigital Worker Pilot: Partnered with The Lab and WorkFusion; implemented Claude

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![](mvb_investorxdeckxmarch2012.jpg)

STRATEGIC CAPITAL ALLOCATION FRAMEWORK Investor Presentation \| 2026 12 Platform Investment ▪ Technology infrastructure and AI/automation ▪ Payment product development ▪ Data analytics capabilities Strategic M&A ▪ Target: Innovative/Fintech-focused banks and non-banks ▪ Complementary technology acquisition ▪ Strategic partnerships Prioritize high-ROIC growth opportunities while maintaining strong regulatory capital and shareholder returns. Balance Sheet Optimization ▪ Funding mix optimization ▪ Liquidity management Shareholder Returns ▪ Share repurchases ▪ Dividends

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![](mvb_investorxdeckxmarch2013.jpg)

STRONG CAPITAL POSITION Investor Presentation \| 2026 13 8.3% 8.6% 9.7% 10.1% 2022 2023 2024 2025 9.8% 10.5% 11.2% 11.1% 2022 2023 2024 2025 Source: Company documents. (1) TCE/TA is for the Holding Company and is a non-GAAP financial measure. A reconciliation of non-GAAP financial measures are included in the Appendix. All other capital ratios presented are from the Bank. 13.4% 15.1% 15.8% 14.5% 2022 2023 2024 2025 Robust capital position provides opportunity for continued balance sheet growth and optimization. ▪ Completed AFS securities repositioning in Q3 2025, enhancing future earnings ▪ Authorized second $10 million share repurchase program in October 2025 9.0% Community Bank Leverage Ratio Threshold Bank Leverage Ratio (%) Consolidated Tangible Common Equity/Tangible Assets (%) (1) Bank Total Risk-Based Capital Ratio (%)

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![](mvb_investorxdeckxmarch2014.jpg)

TANGIBLE BOOK VALUE PER SHARE GROWTH Investor Presentation \| 2026 14 $15.20 $19.73 $22.17 $20.25 $22.43 $23.37 $26.17 $14.00 $16.00 $18.00 $20.00 $22.00 $24.00 $26.00 $28.00 2019 2020 2021 2022 2023 2024 2025 Dividend paid per share $0.26 $0.36 $0.51 $0.68 $0.68 $0.68 $0.68 9.5% CAGR Tangible Book Value per Share $3.85 per share paid in common dividends since 2019 Source: Company documents and SEC Filings

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![](mvb_investorxdeckxmarch2015.jpg)

$10.2M 479,069 shares, or ~4% of outstanding shares, repurchased in 2025 $1.8M 133,197 shares purchased 1/1/2025 through 1/31/2026 YTD Insider Stock Purchases Share Repurchase Activity (YTD through 12/31/2025) $8.7M 42 consecutive quarters of dividends paid YTD Common Dividends PaidAuthorized new $10M share repurchase plan in October 2025 STRONG INSIDER SUPPORT AND OPPORTUNISTICALLY REPURCHASING SHARES Source: Company documents and SEC Filings Investor Presentation \| 2026 15 83K Of Company's shares through stock option exercise in 2026 CEO & President Larry F. Mazza purchased

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![](mvb_investorxdeckxmarch2016.jpg)

FINANCIAL HIGHLIGHTS

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![](mvb_investorxdeckxmarch2017.jpg)

Q4 2025 KEY HIGHLIGHTS Investor Presentation \| 2026 17 +6.5% on a fully tax- equivalent basis 40.3% of total deposits Noninterest Bearing Deposits Net Interest Income Net Interest Margin +3.71% Up 16 basis points on a fully tax-equivalent basis +19.4% Payment Card and Service Charge Income $26.17 Increased 0.73% from Q3 2005 Tangible Book Value Per Share Net Interest Strong Loan Growth $83.8M Up 3.7%, from the prior quarter $243.0M Up 11.6%, from the prior year $1.8M Decreased 5.5%, from the prior quarter $2.1M Decreased 6.4%, from the Q4 2024 Noninterest Expenses

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![](mvb_investorxdeckxmarch2018.jpg)

$128 $170 $331 $478 $583 2021 2022 2023 2024 2025 GROWTH OF MVB'S PAYMENTS FOCUSED VEHICLE Investor Presentation \| 2026 18 Deposits of Payments Vehicle (period average) ($ Millions) 46% CAGR $695 $1,495 $4,760 $7,670 $11,534 2021 2022 2023 2024 2025 Payments Revenue ($ Millions) 102% CAGR Source: Company documents and SEC Filings

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![](mvb_investorxdeckxmarch2019.jpg)

CoRe\* 58% Fintech 42% Title (C) 3% Speciality (C) 10% Retail (C) 14% Commercial (C) 22% Public Funds (C) 9% Gaming (F) 6% Digital Assets (F) 1% Payments (F) 23% BaaS (F) 12% Data as of December 31, 2025 DIVERSIFIED DEPOSIT BASE WITH FINTECH AND CORE BANK DEPOSITS Investor Presentation \| 2026 19 On Balance Sheet Deposit Composition On Balance Sheet Deposits by Source Source: Company documents and SEC Filings. \* Commercial and Retail. (F) – Fintech deposits. (C) – CoRe deposits.

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![](mvb_investorxdeckxmarch2020.jpg)

$158 $81 $30 $6 $66 $4 $13 Q1 2026 Q2 2026 Q3 2026 Q4 2026 Retail CDs $339 $328 $315 $287 $277 $496 $405 $305 $305 $305 12/31/24 Q1 2025 Q2 2025 Q3 2025 12/31/25 Retail CDs Brokered Deposits Upcoming CD Maturities ($ Millions) CD Balances ($ Millions) 4.52% 4.01% 4.09% 3.11% Wtd. Avg. Rate ▪ $357 million of CDs repricing over the next four quarters with a weighted average rate of 4.32% ▪ $66 million of brokered CDs maturing in Q1 2026 with a weighted average rate of 4.78% CONTINUED REMIX OF DEPOSIT PORTFOLIO WITH FUTURE REPRICING OPPORTUNITIES Source: Company documents and SEC Filings Investor Presentation \| 2026 20

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![](mvb_investorxdeckxmarch2021.jpg)

$2,100 $2,063 $2,153 $2,259 $2,343 2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 STRONG LOAN GROWTH Investor Presentation \| 2026 21 Gross Loans ($ Millions) Source: Company documents and SEC Filings

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![](mvb_investorxdeckxmarch2022.jpg)

Commercial Business 20.2% Home Equity 0.4% Commercial Real Estate 38.7% Owner Occupied Real Estate 9.2% Acquisition & Development 5.0% Residential 25.6% Consumer 1.0% Other 17.1% Office Space 4.1% Commercial Construction 2.4% Healthcare 27.8% Auto 2.8% Multifamily 3.5% Residential 27.7% Government 0.9% Energy 2.6% Financial 4.0% Retail Space 7.0% Source: Company documents DIVERSIFIED LOAN PORTFOLIO — 12/31/2025 Loan Portfolio Composition Loan Portfolio by Industry Investor Presentation \| 2026 22

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![](mvb_investorxdeckxmarch2023.jpg)

0.08% 0.36% 0.40% 0.20% 0.26% 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 2021 2022 2023 2024 2025 MVBF — Auto MVBF — Non-Auto MVBF — Total 0.95% 0.47% 0.36% 1.17% 1.30% 0.00% 0.40% 0.80% 1.20% 1.60% 2021 2022 2023 2024 2025 1.05% 1.01% 0.95% 0.94% 0.93% 0.85% 0.90% 0.95% 1.00% 1.05% 1.10% 2021 2022 2023 2024 2025 ▪ Proactively managed credit in Q4 2025 ▪ Quarter-over-quarter increase in non-performing loans driven by one C&I credit ▪ Quarter-over-quarter decrease in classified assets Source: Company documents, SEC filings and S&P Global Market Intelligence. Peers are defined in the 2024 Proxy Statement. Peer data reflects the most recent data publicly available. CONSISTENTLY STRONG ASSET QUALITY THROUGH CYCLES Non-Performing Loans/Total Loans ACL/Total Loans NCOs/Average Loans Investor Presentation \| 2026 23

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![](mvb_investorxdeckxmarch2024.jpg)

Teams 2021 2022 2023 2024\* 2025 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Risk Management 10 12 11 14 16 22 23 24 24 24 30 27 32 35 30 25 25 27 27 27 BSA/AML (MVB) 17 19 18 18 18 18 18 18 23 31 50 59 50 60 62 60 56 61 59 54 BSA/AML (Co-sourced FTEs) 5 12 15 17 19 23 22 21 16 17 17 17 41 60 34 27 33 27 24 24 Consumer Compliance 3 3 3 3 3 4 5 5 6 6 7 7 7 8 8 8 9 9 7 6 Total Risk Staffing: 35 46 47 52 56 67 68 68 69 78 104 110 130 160 134 120 123 124 117 111 0 20 40 60 80 100 120 140 160 180 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Risk Management BSA/AML (MVB) BSA/AML (Co-sourced FTEs) Consumer Compliance 35 111 \* Included various short-term initiatives and projects implemented throughout the year RISK MANAGEMENT STRENGTH AND CAPABILITIES Investor Presentation \| 2026 24 160

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![](mvb_investorxdeckxmarch2025.jpg)

APPENDIX N O N - G A A P R E C O N C I L I A T I O N S

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![](mvb_investorxdeckxmarch2026.jpg)

Tangible Book Value per Common Share and Tangible Common Equity Ratio (%) (Dollars in thousands) 2019 2020 2021 2022 2023 2024 2025 Goodwill $19,630 $2,350 $3,988 $3,988 $2,838 $2,838 $1,200 Intangibles 3,473 2,400 2,316 1,631 352 262 -- Total intangible assets $23,103 $4,750 $6,304 $5,619 $3,190 $3,100 $1,200 Total equity attributable to parent $211,936 $239,483 $274,328 $261,084 $289,342 $305,679 $333,968 Less: Preferred stock (7,334) (7,334) -- -- -- -- -- Less: Total intangible assets (23,103) (4,750) (6,304) (5,619) (3,190) (3,100) (1,200) Total tangible common equity $181,499 $227,399 $268,024 $255,465 $286,152 $302,579 $332,768 Total assets $1,944,114 $2,331,476 $2,792,449 $3,068,860 $3,313,882 $3,128,704 $3,308,918 Less: Total intangible assets (23,103) (4,750) (6,304) (5,619) (3,190) (3,100) (1,200) Total tangible assets $1,921,011 $2,326,726 $2,786,145 $3,063,241 $3,310,692 $3,125,604 $3,307,718 Tangible common equity to tangible assets 9.5% 9.8% 9.6% 8.3% 8.6% 9.7% 10.1% Tangible common equity $181,499 $227,399 $268,024 $255,465 $286,152 $302,579 $332,768 Common shares outstanding (000s) 11,944 11,526 12,087 12,618 12,758 12,945 12,716 Tangible book value per common share $15.20 $19.73 $22.17 $20.25 $22.43 $23.37 $26.17 Source: Company documents APPENDIX: NON-GAAP RECONCILIATION Investor Presentation \| 2026 26

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