Risk factors

MVB Financial (MVBF) risk factors

Item 1A of every MVB Financial Corp. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    42 risks, 3 new, 3 dropped, 5 reworded since the prior year. Real estate loan concentration increased to 79.9%, while on-balance sheet gaming deposits dropped from $227.6 million to $184.3 million. Goodwill decreased significantly to $1.2 million.

    Filed Mar 12, 2026
  • FY2024 10-K risk factors

    42 risks. MVB Financial relies heavily on West Virginia and Virginia real estate markets, representing 75.8% of total loans.

    Filed Mar 13, 2025