Mvb Financial (NASDAQ:MVBF) reported second-quarter 2026 net income of $12.3 million, or $0.93 per diluted share, as expanding net interest margin, loan growth and fintech-related revenue supported results. Fully tax-equivalent net interest margin expanded 43 basis points from the first quarter to 4.16%. CFO Mike Sumbs said the quarterly result included about $2.3 million in non-recurring net interest income, primarily tied to the repayment of the company’s largest non-performing loan. Excluding that item, core net interest income increased approximately 5.5% from the first quarter, while core fully tax-equivalent net interest margin rose 14 basis points to 3.87%. MVB ended the quarter with a loan-to-deposit ratio just below 80%, while non-interest-bearing deposits accounted for 34.4% of total deposits.