MVB Financial is a West Virginia-based financial holding company that operates primarily through MVB Bank. The bank runs two core businesses: traditional commercial and retail (CoRe) banking, and Fintech banking. The CoRe banking business serves individuals and businesses in North Central West Virginia and Northern Virginia through seven branches, offering deposit accounts, commercial loans, consumer loans, and residential mortgages. Commercial loans dominate the loan book at roughly 73% of total loans. The Fintech banking business provides deposit and fee-generating banking services to Fintech companies across the U.S., with a focus on payments, banking-as-a-service, and gaming clients. MVB argues that the compliance complexity of serving these industries limits competition, giving the bank a differentiated position in this niche. Like most community banks, MVB's earnings are primarily driven by net interest income — the spread between interest earned on loans and investments and interest paid on deposits. Beyond the core bank, MVB holds equity stakes in Intercoastal Mortgage and Warp Speed, two residential mortgage originators, and operates Paladin Fraud, a fraud prevention subsidiary. MVB recently sold its Victor Technologies software assets and divested its stake in Trabian, a digital products business, signaling a shift toward simplifying the business and focusing on core banking operations.