MVB Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	244.13	317.91	398.23	40.28	307.44
Investment Securities	461.15	384.9	379.73	438.21	420.49
Trading Asset Securities	-	5.91	6.25	9.01	-
Mortgage-Backed Securities	-	147.58	82.38	56.57	76.11
Total Investments	461.15	538.39	468.36	503.79	496.6
Gross Loans	2,343	2,100	2,318	2,373	1,871
Allowance for Loan Losses	-21.83	-19.66	-22.12	-23.84	-18.27
Other Adjustments to Gross Loans	-	-	-	-	-1.61
Net Loans	2,321	2,080	2,295	2,349	1,852
Property, Plant & Equipment	10.38	39.38	33.83	37.53	42.55
Goodwill	-	-	-	2.84	3.99
Loans Held for Sale	-	-	0.63	23.13	-
Accrued Interest Receivable	-	16.54	15.27	12.62	7.86
Other Current Assets	-	2.28	-	4.32	-
Long-Term Deferred Tax Assets	-	7.34	9.74	10.44	-
Other Real Estate Owned & Foreclosed	-	2.83	0.83	1.19	2.33
Other Long-Term Assets	271.93	121.56	89.44	73.92	78.31
Total Assets	3,309	3,129	3,314	3,069	2,792
Interest Bearing Deposits	1,697	1,750	1,701	1,335	1,248
Institutional Deposits	-	2.96	3.15	4.39	9.57
Non-Interest Bearing Deposits	1,145	940.99	1,197	1,232	1,120
Total Deposits	2,842	2,694	2,901	2,570	2,378
Short-Term Borrowings	-	8.67	11.07	120.8	11.39
Current Portion of Leases	-	3.23	-	-	-
Accrued Interest Payable	-	5.79	2.39	2.56	0.69
Other Current Liabilities	-	0.72	-	5.44	-
Long-Term Debt	74.03	69.79	76.33	79.05	69.03
Long-Term Leases	-	24.84	14	15	18.6
Trust Preferred Securities	-	4	4	4	4
Long-Term Deferred Tax Liabilities	-	-	-	-	3.93
Other Long-Term Liabilities	58.88	12.25	15.28	10.13	31.91
Total Liabilities	2,975	2,823	3,025	2,807	2,517
Common Stock	333.97	13.79	13.61	13.47	12.94
Additional Paid-In Capital	-	164.68	160.49	157.15	143.52
Retained Earnings	-	172.18	160.86	144.91	138.22
Treasury Stock	-	-16.74	-16.74	-16.74	-16.74
Comprehensive Income & Other	-	-28.23	-28.83	-37.7	-3.61
Total Common Equity	333.97	305.68	289.38	261.08	274.33
Minority Interest	-	0.11	-0.04	0.31	0.98
Shareholders' Equity	333.97	305.79	289.34	261.39	275.3
Total Liabilities & Equity	3,309	3,129	3,314	3,069	2,792
Total Debt	74.03	110.54	105.4	218.85	103.02
Net Cash (Debt)	170.1	213.29	299.08	-169.56	207.14
Net Cash Growth	-20.25%	-28.68%	-	-	1.78%
Net Cash Per Share	12.98	16.24	23.01	-13.17	16.42
Filing Date Shares Outstanding	12.72	12.95	12.84	12.62	12.1
Total Common Shares Outstanding	12.72	12.95	12.76	12.62	12.09
Book Value Per Share	26.26	23.61	22.68	20.69	22.70
Tangible Book Value	333.97	305.68	289.38	258.25	270.34
Tangible Book Value Per Share	26.26	23.61	22.68	20.47	22.37

Source: S&P Global Market Intelligence. Banks template. Financial Sources.