MVB Financial Corp 2026年季度报告

(Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2026 MVB Financial Corp. Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to suchfiling requirements for the past 90 days. Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted and posted pursuantto Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was requiredto submit and post such files). Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company or anemerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growthcompany” in Rule 12b-2 of the Exchange Act. Large accelerated filer☐Accelerated filer☒Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with anynew or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark if the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act). Yes☐No☒ Indicate the number of shares outstanding of each of the issuer's classes of common stock as of the latest practicable date: As of August4, 2026, there were 12,967,507 shares of our common stock outstanding with a par value of $1.00 per share. TABLE OF CONTENTS PagePART IFINANCIAL INFORMATION5Item 1Financial Statements5Consolidated Balance Sheets5Consolidated Statements of Income6Consolidated Statements of Comprehensive Income8Consolidated Statements of Changes in Stockholders’ Equity9Consolidated Statements of Cash Flows10Notes to the Consolidated Financial Statements11Item 2Management’s Discussion and Analysis of Financial Condition and Results of Operations46Item 3Quantitative and Qualitative Disclosures About Market Risk59Item 4Controls and Procedures60PART IIOTHER INFORMATION61Item 1Legal Proceedings61Item 1ARisk Factors61Item 2Unregistered Sales of Equity Securities and Use of Proceeds61Item 3Defaults Upon Senior Securities61Item 4Mine Safety Disclosures61Item 5Other Information62Item 6Exhibits62SIGNATURES63 Forward-Looking Statements: Statements in this Quarterly Report on Form 10-Q, other than statements that are based on historical data, are “forward-lookingstatements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements provide currentexpectations or forecasts of future events and include, among others, statements with respect to the beliefs, plans, objectives, goals,guidelines, expectations, anticipations and future financial condition, results of operations and performance of MVB Financial Corp.and its subsidiaries, including MVB Bank, Inc. (the “Bank”), and statements preceded by, followed by or that include the words“may,” “could,” “should,” “would,” “will,” “believe,” “anticipate,” “probable,” “estimate,” “target,” “expect,” “intend,” “plan,”“projects,” “outlook” or the negative of those terms or similar expressions. These forward-looking statements are not guarantees of future performance, nor should they be relied upon as representing our view asof any subsequent date. Forward-looking statements involve significant risks and uncertainties (both known and unknown) and actualresults may differ materially from those presented, either expressed or implied, including, but not limited to, those presented inItem 2,Management’s Discussion and Analysis of Financial Condition and Results of Operations. Factors that might cause such differencesinclude, but are not limited to: interest rate fluctuations in response to economic conditions and the policies of various governmental and regulatory agencies;the impact of the current U.S. administration on regulatory, policy and legislative landscapes, financial markets and geopoliticalrelations, including the impact of international trade policies;changes in the economy, which could materially impact credit quality trends and the ability to generate loans and gather deposits;industry factors and volatility and disruption in local, national and international political and economic conditions, such aseconomic slowdowns or recessions, nationally and in the markets in which we operate and other developments such as wars,natural disasters, epidemics and pandemics, military actions, terrorist attacks and geopolitical conflict;evolving legislation and