MVB FINANCIAL CORP

MVB Financial Corp. is a financial holding company, organized in 2003 as a West Virginia corporation, that primarily operates through its wholly-owned subsidiary, MVB Bank, Inc. The Bank's consolidated subsidiaries include MVB Edge Ventures, Inc., Paladin Fraud, LLC, and MVB Insurance, LLC. Edge Ventures wholly-owns MVB Technology, LLC. The Bank also owns an equity method investment in Intercoastal Mortgage Company, LLC, and MVB Financial Corp. owns equity method investments in Warp Speed Holdings, LLC and Ayers Socure II, LLC. MVB Financial Corp.'s consolidated subsidiaries also include SPE PR, LLC. As of December 31, 2024, the Bank owned an 80.8% interest in Trabian Technology, Inc. In January 2025, the Bank entered into a stock repurchase agreement with Trabian in which Trabian repurchased all the shares held by MVB. On September 30, 2025, the company sold substantially all assets and operations of Victor Technologies, Inc. to Jack Henry & Associates, recording a $34.2 million pre-tax gain. The company conducts a wide range of business activities through the Bank, primarily commercial and retail ("CoRe") banking services, as well as Fintech banking. CoRe Banking offers various demand deposit accounts, savings accounts, money market accounts, certificates of deposit, commercial, consumer, and real estate mortgage loans and lines of credit, debit cards, cashier's checks, and safe deposit rental facilities. Fintech Banking provides innovative strategies and banking services to independent banking and corporate clients throughout the United States, with a focus on operational risk management and compliance for corporate Fintech clients.