MVB Bank (MVBF) is a private company. During it's 20-plus-year history, MVB Bank has grown from a community bank with 35 employees to a forward-thinking, NASDAQ-listed, Russell 2000® company with more than 400 Team Members living in more than 25 different states. Headquartered in Fairmont, West Virginia, MVB Bank and the Bank's subsidiaries, the MVB Community Development Corp., Chartwell Compliance, Paladin, provide financial services to individuals and corporate clients in the Mid-Atlantic region and beyond. MVB Financial Corp., the holding company of MVB Bank, is publicly traded on The Nasdaq Capital Market under the ticker “MVBF.”. Founded in 1999. It has 391 employees.

Transcript

Operator

Welcome to MVB Financial Corp Second Quarter 2026 Earnings Call. At this time, all participants are in a listen-only mode. A question and answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. Please note this conference is being recorded. I will now turn the conference over to Amy Baker, Vice President, Corporate Communications and Marketing. Thank you. You may begin.

Amy Baker — VP of Corporate Communications and Marketing

Thank you, operator. Good afternoon, and thank you all for joining us today for MVB's Second Quarter 2026 Earnings Conference Call. The company issued its earnings press release earlier this afternoon, and it is available on the company's website at ir.mvbbanking.com. In addition, the company has included a slide presentation that you can refer to during the call, which is also available on the website. Participating on this call today are MVB's President and CEO, Larry F. Mazza, and CFO, Mike Sumbs. Larry will provide high-level second quarter results and commentary. Mike will discuss the quarter's financial results in more detail, after which we will open the call for your questions. Before we begin, I would like to remind you that this conference call contains forward-looking statements with respect to the future performance and financial condition of MVB Financial that involves risks and uncertainties. Various factors could cause actual results to be materially different from any future results expressed or implied by such forward-looking statements. These factors are discussed in the company's SEC filings, which are available on the company's website. The company