MVB Financial Corp. (MVB) is a financial holding company. MVB operates principally through its wholly-owned subsidiary, MVB Bank, Inc. (the Bank). Its primary business activities, through its subsidiaries, are primarily community banking and mortgage banking. Its segments include commercial and retail banking, mortgage banking, and a financial holding company. It offers various products and services, such as debit cards, cashier’s checks, safe deposit rental facilities and non-deposit investment services. Its loan portfolio includes commercia loans, consumer loans and real estate loans. Its commercial loans include commercial, commercial real estate, financial and agricultural loans. Its real estate loans include residential real estate loans, home equity lines of credit and construction mortgages. The Bank’s operating subsidiaries include Potomac Mortgage Group (PMG), MVB Insurance, LLC (MVB Insurance), MVB Community Development Corporation (MVB CDC) and ProCo Global, Inc. (ProCo).