MVB Financial (MVBF) 10-K 16 Mar 15 2014 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
	Dec. 31, 2014	Mar. 16, 2015	Jun. 30, 2014
Document and Entity Information
Entity Registrant Name	MVB FINANCIAL CORP
Entity Central Index Key	1277902
Document Type	10-K
Document Period End Date	31-Dec-14
Amendment Flag	FALSE
Current Fiscal Year End Date	-19
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Smaller Reporting Company
Entity Public Float			$105,974,912
Entity Common Stock, Shares Outstanding		7,983,285
Document Fiscal Year Focus	2014
Document Fiscal Period Focus	FY

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Cash and cash equivalents:
Cash and due from banks	$13,403	$28,907
Interest bearing balances with banks	16,674	10,936
Total cash and cash equivalents	30,077	39,843
Certificates of deposit with other banks	11,907	9,427
Investment Securities:
Securities available-for-sale	68,213	106,411
Securities held-to-maturity (fair value of $55,871 for 2014 and $54,118 for 2013)	54,538	56,670
Loans held for sale	69,527	90,060
Loans:	798,297	622,305
Less: Allowance for loan losses	-6,223	-4,935
Net Loans	792,074	617,370
Premises and equipment	25,472	16,919
Bank owned life insurance	21,679	16,062
Accrued interest receivable and other assets	19,193	16,519
Goodwill	17,779	17,779
TOTAL ASSETS	1,110,459	987,060
Deposits:
Non-interest bearing	67,066	63,336
Interest bearing	756,161	632,475
Total Deposits	823,227	695,811
Accrued interest payable and other liabilities	10,310	6,878
Repurchase agreements	32,673	81,578
FHLB and other borrowings	101,287	104,647
Subordinated debt	33,524	4,124
Total Liabilities	1,001,021	893,038
STOCKHOLDERS' EQUITY
Preferred stock, par value $1,000; 20,783 and 20,000 shares authorized and 9,283 and 8,500 shares issued in 2014 and 2013, respectively	16,334	8,500
Common stock, par value $1, 10,000,000 shares authorized; 8,085,439 and 7,654,817 shares issued; and 8,034,362 and 7,705,894 shares outstanding in 2014 and 2013, respectively	8,034	7,706
Additional paid-in capital	74,342	68,518
Retained earnings	14,454	13,343
Accumulated other comprehensive loss	-2,642	-2,961
Treasury Stock, 51,077 shares, at cost	-1,084	-1,084
Total Stockholders' Equity	109,438	94,022
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$1,110,459	$987,060

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Consolidated Balance Sheets
Securities held-to-maturity, fair value	$55,871	$54,118
Preferred stock, par value (in dollars per share)	$1,000	$1,000
Preferred stock, shares authorized	20,783	20,000
Preferred stock, shares issued	9,283	8,500
Common stock, par value (in dollars per share)	$1	$1
Common stock, shares authorized	20,000,000	20,000,000
Treasury stock, shares	51,077	51,077

Consolidated_Statements_of_Inc

Consolidated Statements of Income (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
INTEREST INCOME
Interest and fees on loans	$32,195	$23,172
Interest on deposits with other banks	223	200
Interest on investment securities - taxable	1,272	1,348
Interest on tax exempt loans and securities	2,724	2,240
Total interest income	36,414	26,960
INTEREST EXPENSE
Interest on deposits	5,563	3,977
Interest on repurchase agreements	291	567
Interest on FHLB and other borrowings	1,087	926
Interest on subordinated debt	1,142	79
Total interest expense	8,083	5,549
NET INTEREST INCOME	28,331	21,411
Provision for loan losses	2,582	2,260
Net interest income after provision for loan losses	25,749	19,151
NONINTEREST INCOME
Service charges on deposit accounts	633	623
Income on bank owned life insurance	588	460
Visa debit card income	685	558
Gain on loans held for sale	18,392	21,480
Capitalized servicing retained income	6	826
Insurance income	3,523	1,722
Gain on sale of securities	413	145
Gain on sale of subsidiary		626
Other operating income	1,691	2,005
Total noninterest income	25,931	28,445
NONINTEREST EXPENSES
Salaries and employee benefits	31,191	27,067
Occupancy expense	2,888	1,814
Equipment depreciation and maintenance	1,596	1,282
Data processing	1,628	1,180
Mortgage processing	2,520	2,417
Visa debit card expense	579	475
Advertising	1,437	1,444
Legal and accounting fees	1,299	1,273
Printing, stationery and supplies	424	503
Consulting fees	915	641
FDIC insurance	819	489
Travel	627	544
Other operating expenses	3,774	3,464
Total noninterest expense	49,697	42,593
Income (loss) before income taxes	1,983	5,003
Income tax (benefit) expense	-96	983
Net Income	2,079	4,020
Preferred stock dividends	332	85
Net Income available to common shareholders	$1,747	$3,935
Earnings per share - basic (in dollars per share)	$0.22	$0.59
Earnings per share - diluted (in dollars per share)	$0.22	$0.57
Weighted average shares outstanding - basic (in shares)	7,905,468	6,657,093
Weighted average shares outstanding - diluted (in shares)	8,102,117	6,939,028

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Consolidated Statements of Comprehensive Income
Net Income	$2,079	$4,020
Other comprehensive income (loss):
Unrealized holding gains (losses) on securities available-for-sale	2,196	-2,714
Income tax effect	-878	1,086
Reclassification adjustment for gain recognized in income	-413	-145
Income tax effect	165	58
Change in defined benefit pension plan	-1,252	417
Income tax effect	501	-168
Total other comprehensive income (loss)	319	-1,466
Comprehensive income	$2,398	$2,554

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (USD $)	Preferred Stock	Common Stock	Additional Paid-in-Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) [Member]	Treasury Stock [Member]	Total
In Thousands, unless otherwise specified
Balance at Dec. 31, 2012	$8,500	$2,933	$48,750	$9,945	($1,495)	($1,084)	$67,549
Increase (Decrease) in Stockholders' Equity
Net Income				4,020			4,020
Other comprehensive income (loss)					-1,466		-1,466
Cash dividends paid ($0.07 and $0.08 per share for the years ended 2014 and 2013 respectively)				-537			-537
Dividends on preferred stock				-85			-85
Stock split		3,853	-3,853
Common stock issuance		866	22,243				23,109
Dividend reinvestment plan proceeds		32	881				913
Stock based compensation			196				196
Stock issuance from acquisition		22	301				323
Balance at Dec. 31, 2013	8,500	7,706	68,518	13,343	-2,961	-1,084	94,022
Increase (Decrease) in Stockholders' Equity
Net Income				2,079			2,079
Other comprehensive income (loss)					319		319
Cash dividends paid ($0.07 and $0.08 per share for the years ended 2014 and 2013 respectively)				-636			-636
Dividends on preferred stock				-332			-332
Preferred stock issuance	7,834						7,834
Common stock issuance		311	5,277				5,588
Dividend reinvestment plan proceeds		11	169				180
Stock based compensation			321				321
Common stock options exercised		6	57				63
Balance at Dec. 31, 2014	$16,334	$8,034	$74,342	$14,454	($2,642)	($1,084)	$109,438

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
OPERATING ACTIVITIES
Net Income	$2,079	$4,020
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization and accretion of investments	820	1,041
Net amortization of deferred loan fees	151	168
Provision for loan losses	2,582	2,260
Depreciation and amortization	1,245	936
Stock based compensation	321	196
Loans originated for sale	-843,233	-1,023,418
Proceeds of loans sold	882,158	1,040,367
Gain on sale of loans held for sale	-18,392	-21,480
Gain on sale of investment securities	-413	-145
Gain on sale of subsidiary		-626
Income on bank owned life insurance	-588	-460
Deferred taxes	-1,082	494
Other, net	-779	-2,199
NET CASH PROVIDED BY OPERATING ACTIVITIES	24,869	1,154
INVESTING ACTIVITIES
Purchases of investment securities available-for-sale	-29,573	-56,995
Purchases of investment securities held-to-maturity	-250	-21,600
Maturities/paydowns of investment securities available-for-sale	8,230	11,269
Maturities/paydowns of investment securities held-to-maturity	2,000
Sales of investment securities available-for-sale	61,299	15,237
Purchases of premises and equipment	-9,798	-6,501
Net increase in loans	-177,437	-101,853
Loans purchased		-76,052
Purchases of restricted bank stock	-13,975	-12,226
Redemptions of restricted bank stock	15,024	8,757
Purchases of certificates of deposit with banks	-3,714
Proceeds from sale of certificates of deposit with banks	1,234
Proceeds from sale of other real estate owned	76	278
Proceeds from sale of subsidiary		725
Purchase of bank owned life insurance	-5,000	-5,078
NET CASH USED IN INVESTING ACTIVITIES	-151,884	-244,039
FINANCING ACTIVITIES
Net increase in deposits	127,416	209,292
Net (decrease) increase in repurchase agreements	-48,905	11,344
Net change in short-term FHLB borrowings	-2,199	15,945
Principal payments on FHLB borrowings	-1,160	-2,916
Proceeds from subordinated debt	29,400
Proceeds from stock offering	5,588	23,109
Preferred stock issuance	7,834
Common stock options exercised	63	323
Dividend reinvestment plan proceeds	180	913
Cash dividends paid on common stock	-636	-537
Cash dividends paid on preferred stock	-332	-85
NET CASH PROVIDED BY FINANCING ACTIVITIES	117,249	257,388
(Decrease) increase in cash and cash equivalents	-9,766	14,503
Cash and cash equivalents at beginning of period	39,843	25,340
Cash and cash equivalents at end of period	30,077	39,843
Supplemental disclosure of cash flow information
Loans transferred to other real estate owned	346	472
Cash payments for:
Interest	8,953	5,551
Income taxes	$1,729	$863

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Note 1.  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Business and Organization
	MVB Financial Corp. (“the Company”) was formed on January 1, 2004, as a bank holding company and, effective December 19, 2012, became a financial holding company.  The Company features multiple subsidiaries and affiliated businesses, including MVB Bank, Inc. (the “Bank” or “MVB Bank”) and its wholly-owned subsidiary MVB Mortgage and MVB Insurance, LLC (“MVB Insurance”).
	The Bank was formed on October 30, 1997 and chartered under the laws of the State of West Virginia.  The Bank commenced operations on January 4, 1999. As of December 31, 2014, the bank operates nine full-service banking branches in Marion, Harrison, Monongalia, Jefferson and Berkley counties, West Virginia and loan production offices in Harrison and Kanawha Counties in West Virginia The Bank serves individual and corporate customers and is subject to competition from other financial institutions and intermediaries with respect to these services.  The Company and Bank are regulated by the West Virginia Division of Financial Institutions and the Federal Deposit Insurance Corporation (FDIC).
	During 2012, the Bank acquired Potomac Mortgage Group, Inc. (“PMG” which, following July 15, 2013, began doing business under the registered trade name “MVB Mortgage”), a mortgage company in the northern Virginia area, and fifty percent (50%) interest in a mortgage services company, Lender Service Provider, LLC (“LSP”).  In the third quarter of 2013, this fifty percent (50%) interest in LSP was reduced to a twenty-five percent (25%) interest through a sale of a partial interest.  This PMG acquisition provided the Company and the Bank the opportunity to make the mortgage banking operation a much more significant line of business to further diversify its net income stream.  MVB Mortgage has eleven mortgage only offices, located in Virginia, within the Washington, District of Columbia metropolitan area as well as North Carolina and South Carolina, and, in addition, has mortgage loan originators located at select Bank locations throughout West Virginia.
	MVB Insurance was originally formed in 2000 and reinstated in 2005, as a Bank subsidiary.  Effective June 1, 2013, MVB Insurance became a direct subsidiary of the Company.  MVB Insurance offers select insurance products such as title insurance, individual insurance, commercial insurance, employee benefits insurance, and professional liability insurance.  MVB Insurance maintains its headquarters in Fairmont, West Virginia, and operates offices in Morgantown, West Virginia and Triadelphia, West Virginia.
	A summary of significant accounting and reporting policies applied in the presentation of the accompanying financial statements follows:
	Basis of Presentation
	The financial statements are consolidated to include the accounts of the Company and its subsidiaries and affiliated businesses, MVB Insurance, LLC, and MVB Bank, Inc. and its wholly-owned subsidiary, MVB Mortgage.  These statements have been prepared in accordance with U.S. generally accepted accounting principles.  All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements.
	In preparing the financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses for the period.  Actual results could differ significantly from those estimates.  Material estimates that are particularly susceptible to significant change relate to determination of the allowance for loan losses, derivative instruments, goodwill and deferred tax assets and liabilities.
	Operating Segments
	An operating segment is defined as a component of an enterprise that engages in business activities that generates revenue and incurs expense, and the operating results of which are reviewed by the chief operating decision maker in the determination of resource allocation and performance.  While the Company’s chief decision makers monitor the revenue streams of the various Company’s products and services, operations are managed and financial performance is evaluated on a Company-wide basis.  Due to the formation of the insurance subsidiary and increased mortgage banking activity, the Company’s business activities include three primary segments: commercial and retail banking, mortgage banking and insurance services.
	Cash and Cash Equivalents
	Cash equivalents include cash on hand, deposits in banks and interest-earning deposits.  Interest-earning deposits with original maturities of 90 days or less are considered cash equivalents. Net cash flows are reported for loans, deposits and short term borrowing transactions.
	Management Estimates
	The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Estimates, such as the allowance for loan losses, are based upon known facts and circumstances.  Estimates are revised by management in the period such facts and circumstances change. Actual results could differ from these estimates.
	Loans Held for Sale
	Through multiple secondary market investors, MVB Mortgage has the ability to offer customers long-term fixed rate and variable rate mortgage products without holding these instruments in the bank’s loan portfolio.  MVB Mortgage values loans held for sale at fair value. Occasionally the Bank will sell portfolio loans and have them classified as loans held for sale. These loans are recorded at lower of cost or market.
	Derivative Financial Instruments
	The Company enters into commitments to originate mortgage loans whereby the interest rate on the loan is determined prior to funding (rate lock commitments).  Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives.  The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 30 to 120 days.  The Company protects itself from changes in interest rates through the use of both mandatory delivery arrangements and best efforts forward delivery commitments, whereby the Company commits to sell a loan at the time the borrower commits to an interest rate with the intent that the buyer has assumed interest rate risk on the loan.  As a result, the Company limits the exposure of losses with these arrangements and will not realize significant gains related to its rate lock commitments due to changes in interest rates.  The correlation between the rate lock commitments and the forward sales commitments is very high due to their similarity.
	The fair value of rate lock commitments and forward sales commitments is not readily ascertainable with precision because rate lock commitments and forward sales commitments are not actively traded in stand-alone-markets.  The Company determines the fair value of rate lock commitments and forward sales commitments by measuring the change in the value of the underlying asset while taking into consideration the probability that the rate lock commitments will close. During the fourth quarter 2014, management refined their calculation of interest rate locks to include the cost to originate loans, which resulted in a one-time expense of $706.
	Loans and Allowance for Loan Losses
	Loans are stated at the amount of unpaid principal reduced by an allowance for loan losses.  Loans are considered delinquent when scheduled principal or interest payments are 30 days past due.  Interest income on loans is recognized on an accrual basis.  The allowance for loan losses is maintained at a level deemed adequate to absorb probable losses inherent in the loan portfolio.  The Company consistently applies a quarterly loan review process to continually evaluate loans for changes in credit risk.  This process serves as the primary means by which the Company evaluates the adequacy of the allowance for loan losses, and is based upon periodic review of the collectability of loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions.  This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
	The allowance consists of specific and general components.  The specific component relates to loans that are impaired.  The general component covers non-classified loans and is based upon historical loss experience adjusted for qualitative factors.
	The Company allocates the allowance based on the factors described below, which conform to the Company’s loan classification policy. In reviewing risk within the Bank’s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial and commercial real estate secured loans; (iii) home equity loans; (iv) consumer and other loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages for each loan category are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentages to get the adjusted factor to be applied to non-classified loans on a weighted basis, by risk grade. The following qualitative factors are analyzed:
		·		Lending policies and procedures
		·		Change in volume and severity of past due loans
		·		Nature and volume of the portfolio
		·		Experience and ability of management
		·		Volume and severity of problem credits
		·		Results of loan reviews, audits and exams
		·		National, state, regional and local economic trends and business conditions
		·		General economic conditions
		·		Unemployment rates
		·		Inflation / CPI
		·		Changes in values of underlying collateral for collateral-dependent loans
		·		Value of underlying collateral
		·		Existence and effect of any credit concentrations, and changes in the level of such concentrations
	The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses.
	A loan is considered impaired when, based upon current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and shortages generally are not classified as impaired.  Generally the Company considers impaired loans to include loans classified as non-accrual loans, loans past due for longer than 90 days and troubled debt restructurings.
	Accounting standards require that loan origination and commitment fees and direct loan origination costs be deferred and the net amount amortized as an adjustment of the related loan’s yield.
	Troubled Debt Restructurings (TDRs)
	A restructuring of debt constitutes a TDR if the creditor for economic or legal reasons related to the debtor’s financial difficulties grants a concession to the debtor that it would not otherwise consider.  The determination of whether a concession has been granted includes an evaluation of the debtor’s ability to access funds at a market rate for debt with similar risk characteristics and among other things, the significance of the modification relative to unpaid principal or collateral value of the debt, and/or the significance of a delay in the timing of payments relative to the frequency of payments, original maturity date or the expected duration of the loan.  The most common concessions granted generally include one or more modifications to the terms of the debt such as a reduction in the interest rate for the remaining life of the debt, an extension of the maturity date at an interest rate lower than the current market rate for new debt with similar risk, or reduction of the unpaid principal or interest.  All TDRs are considered impaired loans.
	Mortgage Servicing Rights
	Mortgage servicing rights (MSRs) are recorded when the Bank sells mortgage loans and retains the servicing on those loans.  On a monthly basis, MVB tracks the amount of mortgage loans that are sold with servicing retained.  A valuation is done to determine the MSR’s value, which is then recorded as an asset and amortized over the period of estimated net servicing revenues. The balance of MSR’s is evaluated for impairment quarterly, and was determined not to be impaired at December 31, 2014 or 2013.  Servicing loans for others generally consists of collecting mortgage payments from borrowers, maintaining escrow accounts, remitting payments to third party investors and when necessary, foreclosure processing.  Serviced loans are not included in the Consolidated Balance Sheets.  The amortization taken on the servicing asset for the years ended December 31, 2014 and 2013 was $574 and $369, respectively.  At December 31, 2014 and 2013, total loans serviced for others totaled $322,920 and $248,491, respectively.
	Interest Rate Cap
	The Company has entered into a rate protection transaction through SMBC Capital Markets, Inc. covering the period November 26, 2014 through December 1, 2019. The notional amount is $100 million and 3 month Libor is the underlying rate and the strike price is 3%. The 5 year coverage is broken into 20 quarterly caps. The Company’s fixed cost in the interest rate cap was $1.5 million. The credit support provider must maintain a long-term senior unsecured debt rating of A or better by S&P and A2 or better by Moody’s.
	Premises and Equipment
	Premises and equipment are carried at cost less accumulated depreciation.  The provision for depreciation is computed for financial reporting by the straight-line-method based on the estimated useful lives of assets, which range from 7 to 40 years on buildings and leasehold improvements and 3 to 10 years on furniture, fixtures and equipment.
	Intangible Assets and Goodwill
	The Company tests goodwill for impairment on an annual basis.  If it is determined that the fair value of the reporting unit is less than the carrying value of the unit, the Company would be required to recognize impairment equal to the difference between the fair value and the carrying value.  Based upon this assessment it was determined that goodwill was not impaired at December 31, 2014 or 2013. As of December 31, 2014 and 2013, the Company had goodwill of $17.8 million for both years.
	Restricted Bank Stock
	The Bank is a member of the FHLB of Pittsburgh and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of December 31, 2014 and 2013, the Bank holds $5,218 and $6,267, respectively. The stock is bought from and sold to the FHB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) A significant decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) the impact of legislative and regulatory changes on the customer base of the FHLB and (d) the liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.  Management considered that the FHLB’s regulatory capital ratios have improved in the most recent quarters, liquidity appears adequate, new shares of FHLB stock continue to exchange hands at the $100 par value and the FHLB has repurchased shares of excess capital stock from its members during 2013 and 2014 and has reinstituted the dividend.
	Income Taxes
	The Company and the Bank file a consolidated federal income tax return.  Deferred tax assets and liabilities are computed based on the difference between the financial statement basis and income tax basis of assets and liabilities using the enacted marginal tax rates.  Deferred income tax expenses or benefits are based on the changes in the net deferred tax asset or liability from period to period.
	Stock Based Compensation
	Compensation cost is recognized for stock options issued to employees, based on the fair value of these awards at the date of grant.   A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.
	Foreclosed Assets Held for Resale
	Foreclosed assets held for resale acquired in satisfaction of mortgage obligations and in foreclosure proceedings are recorded at fair value less estimated selling costs at the time of foreclosure, with any valuation adjustments charged to the allowance for loan losses.  Any gains or losses on sale are then recorded in other non-interest expense.  At December 31, 2014 and 2013, the Company held other real estate of $575 and $375.
	Earnings Per Share
	Diluted net income per common share includes any dilutive effects of stock options, and is computed by dividing net income by the average number of common shares outstanding during the period less the preferred stock dividend, adjusted for the dilutive effect of options under the Company’s 2003 and 2013 Stock Incentive Plan.
			For the years ended
			December 31,
	(Dollars in thousands except shares and per share data)		2014		2013
Numerator for both basic and diluted earnings per share:
Net Income		$	2,079	$	4,020
Less: Dividends on preferred stock			332		85
Net income available to common shareholders		$	1,747	$	3,935
Denominator:
Total average shares outstanding			7,905,468		6,657,093
Effect of dilutive stock options			196,649		281,935
Total diluted average shares outstanding			8,102,117		6,939,028
Earnings Per Share - Basic		$	0.22	$	0.59
Earnings Per Share - Diluted		$	0.22	$	0.57
Comprehensive Income
Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income.  Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities and minimum pension liability, are reported as a separate component of the equity section of the Consolidated Balance Sheet, such items, along with net income, are components of comprehensive income.
Bank-owned life insurance
Bank-owned life insurance (“BOLI”) represents life insurance on the lives of certain Company employees who have provided positive consent allowing the Company to be the beneficiary of such policies.  These policies are recorded at their cash surrender value, or the amount that can be realized upon surrender of the policy.  Income from these policies is not subject to income taxes and is recorded as other income.
Advertising Costs
Advertising costs are expensed as incurred. Advertising expense was $1.4 million and $1.4 million for 2014 and 2013, respectively.
Transfers of Financial Assets
Transfers of financial assets are accounted for as sales when control over the assets has been surrendered.  Control over transferred assets is deemed to be surrendered when (i) the assets have been isolated from the company, (ii) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (iii) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Reclassifications
Certain amounts in the 2013 financial statements have been reclassified to conform to the 2014 financial statement presentation.
Recent Accounting Pronouncements
In January 2014, the Financial Accounting Standards Board ("FASB") issued Accounting Standard Update ("ASU") No. 2014-04, "Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure." The objective of this guidance is to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. ASU No. 2014-04 states that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, ASU No. 2014-04 requires interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. ASU No. 2014-04 is effective for interim and annual reporting periods beginning after December 15, 2014. The adoption of ASU No. 2014-04 is not expected to have a material impact on MVB Financials Corp’s Consolidated Financial Statements.
In May 2014, the FASB issued ASU 2014-09, “Revenue from Contracts with Customers,” which will supersede nearly all existing revenue recognition guidance under U.S. GAAP. The core principal of this ASU is that an entity should recognize revenue when it transfers promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. This ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. This ASU will be effective for us in our first quarter of 2018. Early adoption is not permitted. The ASU allows for either full retrospective or modified retrospective adoption. We are evaluating the transition method that will be elected and the potential effects of the adoption of this ASU on our financial statements.
In June 2014, the FASB issued ASU 2014-12 – Compensation – Stock Compensation (Topic 718): “Accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period,” an update to the accounting standards related to stock compensation and accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period. The amendments clarify the proper method of accounting for share-based payments when the terms of an award provide that a performance target could as a performance condition. The performance target should not be reflected in estimating the grant-date fair value of the award. Compensation cost should be recognized be achieved after the requisite service period. This update requires that a performance target that affects vesting and that could be achieved after the requisite service period be treated in the period in which it becomes probable that the performance target will be achieved and should represent the compensation cost attributable to the period(s) for which the requisite service has already been rendered. The amendments in this update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Earlier adoption is permitted.  Management is currently evaluating the impact of adoption on the consolidated financial statements, but does not believe that adoption will have a material impact.
In August 2014, the FASB issued ASU No. 2014-14 – Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40): “Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure,’ to address the diversity in practice regarding the classification and measurement of foreclosed loans which were part of a government-sponsored loan guarantee program (e.g. HUD, FHA, VA). The ASU outlines certain criteria that, if met, the loan (residential or commercial) should be derecognized and a separate other receivable should be recorded upon foreclosure at the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. This ASU will be effective for annual reporting periods beginning after December 15, 2014, including interim periods within that reporting period. Early adoption is permitted, provided the entity has adopted ASU 2014-04. The ASU should be adopted either prospectively or on a modified retrospective basis. Management is currently evaluating the impact of adoption on the consolidated financial statements, but does not believe that adoption will have a material impact.
In August 2014, the FASB issued ASU No. 2014-15 Presentation of Financial Statements – Going Concern (Subtopic 205-40): “Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern,” to reduce diversity in the timing and content of going concern disclosures.  This ASU clarifies management’s responsibility to evaluate and provide related disclosures if there are any conditions or events, as a whole, that raise substantial doubt about the entity’s ability to continue as a going concern for one year after the date the financial statements are issued (or, if applicable, available to be issued). The amendments in this ASU are effective for the annual period ending after December 15, 2016, and for annual and interim periods thereafter. Early application is permitted. Management is currently evaluating the impact of adoption on the consolidated financial statements, but does not believe that adoption will have a material impact.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Dec. 31, 2014
INVESTMENT SECURITIES
INVESTMENT SECURITIES	NOTE 2.  INVESTMENT SECURITIES
	Amortized cost and fair values of investment securities held-to-maturity at December 31, 2014, including gross unrealized gains and losses, are summarized as follows:
		Amortized		Unrealized		Unrealized		Fair
	(in thousands)	Cost		Gain		Loss		Value
	Municipal securities	$	54,538	$	1,600	$	-267	$	55,871
	Total investment securities held-to-maturity	$	54,538	$	1,600	$	-267	$	55,871
	Amortized cost and fair values of investment securities held-to-maturity at December 31, 2013, including gross unrealized gains and losses, are summarized as follows:
		Amortized		Unrealized		Unrealized		Fair
	(in thousands)	Cost		Gain		Loss		Value
	Municipal securities	$	56,670	$	367	$	-2,919	$	54,118
	Total investment securities held-to-maturity	$	56,670	$	367	$	-2,919	$	54,118
	Amortized cost and fair values of investment securities available-for-sale at December 31, 2014 are summarized as follows:
		Amortized		Unrealized		Unrealized		Fair
	(in thousands)	Cost		Gain		Loss		Value
	U. S. Agency securities	$	37,926	$	73	$	-465	$	37,534
	U.S. Sponsored Mortgage-backed securities		30,293		58		-419		29,932
	Total debt securities		68,219		131		-884		67,466
	Equity and other securities		670		77		—		747
	Total investment securities available-for-sale	$	68,889	$	208	$	-884	$	68,213
	Amortized cost and fair values of investment securities available-for-sale at December 31, 2013 are summarized as follows:
		Amortized		Unrealized		Unrealized		Fair
	(in thousands)	Cost		Gain		Loss		Value
	U. S. Agency securities	$	60,744	$	—	$	-1,922	$	58,822
	U.S. Sponsored Mortgage-backed securities		47,317		118		-843		46,592
	Total debt securities		108,061		118		-2,765		105,414
	Equity and other securities		810		187		—		997
	Total investment securities available-for-sale	$	108,871	$	305	$	-2,765	$	106,411
	The following tables summarize amortized cost and fair values of debt securities by maturity:
		December 31, 2014
		Held to Maturity				Available for sale
		Amortized		Fair		Amortized		Fair
		Cost		Value		Cost		Value
	Within one year	$	—	$	—	$	—	$	—
	After one year, but within five		2,411		2,453		20,185		20,117
	After five years, but within ten		16,564		16,940		22,832		22,534
	After ten Years		35,563		36,478		25,202		24,815
	Total	$	54,538	$	55,871	$	68,219	$	67,466
	Investment securities with a carrying value of $118,734  and $152,193 at December 31, 2014 and 2013, respectively, were pledged to secure public funds, repurchase agreements and potential borrowings at the Federal Reserve discount window.
	The Company’s investment portfolio includes securities that are in an unrealized loss position as of December 31, 2014, the details of which are included in the following table.  Although these securities, if sold at December 31, 2014 would result in a pretax loss of $1,151, the Company has no intent to sell the applicable securities at such fair values, and maintains the Company has the ability to hold these securities until all principal has been recovered.  Declines in the fair values of these securities can be traced to general market conditions which reflect the prospect for the economy as a whole.  When determining other-than-temporary impairment on securities, the Company considers such factors as adverse conditions specifically related to a certain security or to specific conditions in an industry or geographic area, the time frame securities have been in an unrealized loss position, the Company’s ability to hold the security for a period of time sufficient to allow for anticipated recovery in value, whether or not the security has been downgraded by a rating agency, and whether or not the financial condition of the security issuer has severely deteriorated.  As of December 31, 2014, the Company considers all securities with unrealized loss positions to be temporarily impaired, and consequently, does not believe the Company will sustain any material realized losses as a result of the current temporary decline in fair value.
	The following table discloses investments in an unrealized loss position at December 31, 2014:
	(in thousands)	Less than 12 months				12 months or more
	Description and			Unrealized				Unrealized
	number of positions	Fair Value		Loss		Fair Value		Loss
	U.S. Agency securities (9)	$	996	$	-3	$	26,900	$	-462
	U.S. Sponsored Mortgage-backed securities (8)		678		-3		14,824		-416
	Municipal securities (42)		528		-3		16,489		-264
		$	2,202	$	-9	$	58,213	$	-1,142
	The following table discloses investments in an unrealized loss position at December 31, 2013:
	(in thousands)	Less than 12 months				12 months or more
	Description and			Unrealized				Unrealized
	number of positions	Fair Value		Loss		Fair Value		Loss
	U.S. Agency securities (19)	$	58,822	$	-1,922	$	—	$	—
	U.S. Sponsored Mortgage-backed securities (18)		14,969		-113		19,781		-730
	Municipal securities (103)		35,502		-2,535		4,471		-384
		$	109,293	$	-4,570	$	24,252	$	-1,114
	The Company sold investments available-for-sale of $61.3 million and $15.2 million in 2014 and 2013, respectively. These sales resulted in gross gains of $553 and $145 and gross losses of $140 and $0 in 2014 and 2013, respectively.

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Dec. 31, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES
LOANS AND ALLOWANCE FOR LOAN LOSSES	NOTE 3. LOANS AND ALLOWANCE FOR LOAN LOSSES
	The Company routinely generates 1-4 family mortgages for sale into the secondary market. During 2014 and 2013, the Company recognized sales proceeds of $882.2 million and $1.0 billion, resulting in gains on loans held for sale of $18.4 million and $21.5 million, respectively.
	The components of loans in the Consolidated Balance Sheet at December 31, were as follows:
	(in thousands)		2014			2013
	Commercial and non-residential real estate		$	560,752		$	457,388
	Residential real estate			174,507			118,204
	Home equity			45,935			27,797
	Consumer			17,103			18,916
			$	798,297		$	622,305
	All loan origination fees and direct loan origination costs are deferred and recognized over the life of the loan. As of December 31, 2014 and 2013, net deferred (fees) and costs of $1,365 and $1,462, respectively, were included in the carrying value of loans.
	The following table summarizes the primary segments of the loan portfolio as of December 31, 2014 and 2013 (in thousands):
									Home
			Commercial			Residential			Equity			Consumer			Total
	December 31, 2014
	Individually evaluated for impairment		$	13,782		$	969		$	28		$	2		$	14,781
	Collectively evaluated for impairment			546,970			173,538			45,907			17,101			783,516
	Total Loans		$	560,752		$	174,507		$	45,935		$	17,103		$	798,297
	December 31, 2013
	Individually evaluated for impairment		$	6,254		$	261		$	28		$	93		$	6,636
	Collectively evaluated for impairment			451,134			117,943			27,769			18,823			615,669
	Total Loans		$	457,388		$	118,204		$	27,797		$	18,916		$	622,305
	Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.  The Company also separately evaluates individual consumer and residential mortgage loans for impairment. The Chief Credit Officer identifies these loans individually by monitoring the delinquency status of the Bank’s portfolio. Once identified, the Bank’s ongoing communications with the borrower allow Management to evaluate the significance of the payment delays and the circumstances surrounding the loan and the borrower. A collateral evaluation is completed when it is determined that the loan is impaired.
	Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using one of three methods:  (a) the present value of expected future cash flows discounted at the loan’s effective interest rate; (b) the loan’s observable market price; or (c) the fair value of the collateral less selling costs.  The method is selected on a loan-by-loan basis, with management primarily utilizing the fair value of collateral method.  The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis.
	The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary as of December 31, 2014 and 2013 (in thousands):
									Impaired
									Loans with
									No
			Impaired Loans with						Specific
			Specific Allowance						Allowance			Total Impaired Loans
															Unpaid
			Recorded			Related			Recorded			Recorded			Principal
			Investment			Allowance			Investment			Investment			Balance
	December 31, 2014
	Commercial
	Commercial Business		$	—		$	—		$	3,606		$	3,606		$	3,606
	Commercial Real Estate			1,527			260			5,021			6,548			6,548
	Acquisition & Development			273			102			3,355			3,628			4,703
	Total Commercial			1,800			362			11,982			13,782			14,857
	Residential			969			298			—			969			969
	Home Equity			28			28			—			28			28
	Consumer			2			2			—			2			2
	Total impaired loans		$	2,799		$	690		$	11,982		$	14,781		$	15,856
	December 31, 2013
	Commercial
	Commercial Real Estate		$	1,801		$	407		$	120		$	1,921		$	2,199
	Acquisition & Development			4,333			836			—			4,333			4,055
	Total Commercial			6,134			1,243			120			6,254			6,254
	Residential			261			175			—			261			261
	Home Equity			28			28			—			28			28
	Consumer			25			12			68			93			93
	Total impaired loans		$	6,448		$	1,458		$	188		$	6,636		$	6,636
	Impaired loans have increased during 2014, but remain at a level that is manageable. The increase is primarily attributed to two loans that have experienced financial adversity as a result of the developments in the respective industries within which they operate, neither of which represents a concentration of any kind in the Bank’s commercial loan portfolio. One loan, with an outstanding balance of $3.6 million is dependent upon the condition of the coal industry, while the other loan, with a balance of $5.0 million, is a commercial real estate property in the Northern Virginia market, which had as primary tenants, government contractors that have vacated the premises as a result of losing significant contracts with the United States government. It is important to note that the commercial real estate loan was purchased from another financial institution in late 2013. It is the Bank’s position that the “Loan Sales Agreement” has been breached by the selling institution and legal recourse is being pursued by the Bank.
	The following table presents the average recorded investment in impaired loans and related interest income recognized for the years ended (in thousands):
			31-Dec-14									31-Dec-13
			Average			Interest			Interest			Average			Interest			Interest
			Investment			Income			Income			Investment			Income			Income
			in Impaired			Recognized on			Recognized on			in Impaired			Recognized on			Recognized on
			Loans			Accrual Basis			Cash Basis			Loans			Accrual Basis			Cash Basis
	Commercial
	Commercial Business		$	301		$	14		$	61		$	—		$	—		$	—
	Commercial Real Estate			2,213			149			105			1,878			38			58
	Acquisition & Development			4,456			112			94			2,360			74			91
	Total Commercial			6,970			275			260			4,238			112			149
	Residential			804			20			20			356			7			6
Home Equity			28			1			1			2			1			—
Consumer			20			1			1			19			1			2
Total		$	7,822		$	297		$	282		$	4,615		$	121		$	157
Bank management uses a nine point internal risk rating system to monitor the credit quality of the overall loan portfolio.  The first six categories are considered not criticized, and are aggregated as “Pass” rated.  The criticized rating categories utilized by management generally follow bank regulatory definitions.  The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification.  Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. The portion of any loan that represents a specific allocation of the allowance for loan losses is placed in the Doubtful category.  Any portion of a loan that has been charged off is placed in the Loss category.
To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Bank has a structured loan rating process with several layers of internal and external oversight.  Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, repossession, or death occurs to raise awareness of a possible credit event.  The Bank’s Chief Credit Officer is responsible for the timely and accurate risk rating of the loans in the portfolio at origination and on an ongoing basis.  The Credit Department performs an annual review of all commercial relationships $1,000 or greater.  Confirmation of the appropriate risk grade is included in the review on an ongoing basis.  The Bank has an experienced Credit Department that continually reviews and assesses loans within the portfolio. The Credit Department compiles detailed reviews, including plans for resolution, on loans classified as Substandard on a quarterly basis.  Loans in the Special Mention and Substandard categories that are collectively evaluated for impairment are given separate consideration in the determination of the allowance.
The following table represents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system as of December 31, 2014 and 2013 (in thousands):
					Special
		Pass			Mention			Substandard			Doubtful			Total
December 31, 2014
Commercial
Commercial Business		$	234,547		$	618		$	3,713		$	—		$	238,878
Commercial Real Estate			262,215			11,242			7,323			—			280,780
Acquisition & Development			34,391			3,075			1,496			2,132			41,094
Total Commercial			531,153			14,935			12,532			2,132			560,752
Residential			171,395			2,147			965			—			174,507
Home Equity			45,684			223			28			—			45,935
Consumer			16,477			624			2			—			17,103
Total Loans		$	764,709		$	17,929		$	13,527		$	2,132		$	798,297
December 31, 2013
Commercial
Commercial Business		$	196,608		$	5,830		$	26		$	—		$	202,464
Commercial Real Estate			231,083			2,816			3,306			—			237,205
Acquisition & Development			9,783			2,920			5,016			—			17,719
Total Commercial			437,474			11,566			8,348			—			457,388
Residential			115,283			2,660			261			—			118,204
Home Equity			27,662			107			28			—			27,797
Consumer			18,188			635			93			—			18,916
Total Loans		$	598,607		$	14,968		$	8,730		$	—		$	622,305
Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due.
A loan that has deteriorated and is in a collection process could warrant non-accrual status. A thorough review is to be presented to the Chief Credit Officer and or the Mortgage Loan Committee ("MLC"), as required with respect to any loan which is in a collection process and to make a determination as to whether the loan should be placed on non-accrual status. The placement of loans on non-accrual status will be subject to applicable regulatory restrictions and guidelines. Generally, loans should be placed in non-accrual status when the loan approaches 90 days past due, when it becomes likely the borrower cannot or will not make scheduled principal or interest payments, when full repayment of principal and interest is not expected, or when the loan displays potential loss characteristics. Normally, all accrued interest should be charged off when a loan is placed in non-accrual status. Any payments subsequently received should be applied to principal. To remove a loan from non-accrual status, all principal and interest due must be paid up to date and the bank is reasonably sure of future satisfactory payment performance. Usually, this requires a six-month recent history of payments due. Removal of a loan from non-accrual status will require the approval of the Chief Credit Officer and or MLC.
The following table presents the classes of the loan portfolio summarized by aging categories of performing loans and nonaccrual loans as of December 31, 2014 and 2013 (in thousands):
											90
					30-59			60-89			Days +			Total							90+ Days
					Days			Days			Past			Past			Total		Non-		Still
		Current			Past Due			Past Due			Due			Due			Loans		Accrual		Accruing
December 31, 2014
Commercial
Commercial Business		$	233,464		$	3,738		$	1,500		$	176		$	5,414		$	238,878	$	107	$	69
Commercial Real Estate			270,600			234			4,925			5,021			10,180			280,780		—		5,021
Acquisition & Development			37,739			—			—			3,355			3,355			41,094		3,355		—
Total Commercial			541,803			3,972			6,425			8,552			18,949			560,752		3,462		5,090
Residential			167,392			4,478			2,126			511			7,115			174,507		487		216
Home Equity			45,815			120			—			—			120			45,935		—		—
Consumer			16,692			411			—			—			411			17,103		—		—
Total		$	771,702		$	8,981		$	8,551		$	9,063		$	26,595		$	798,297	$	3,949	$	5,306
December 31, 2013
Commercial
Commercial Business		$	202,275		$	139		$	24		$	26		$	189		$	202,464	$	26	$	—
Commercial Real Estate			236,870			77			—			258			335			237,205		258		—
Acquisition & Development			17,719			—			—			—			—			17,719		—		—
Total Commercial			456,864			216			24			284			524			457,388		284		—
Residential			116,150			1,401			193			460			2,054			118,204		30		430
Home Equity			27,741			28			—			28			56			27,797		—		28
Consumer			18,747			92			—			77			169			18,916		76		1
Total		$	619,502		$	1,737		$	217		$	849		$	2,803		$	622,305	$	390	$	459
An allowance for loan losses (“ALL”) is maintained to absorb losses from the loan portfolio.  The ALL is based on management’s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans.
Interest income on loans would have increased by approximately $221 and $47 for 2014 and 2013, respectively, if loans had performed in accordance with their terms.
The Bank’s methodology for determining the ALL is based on the requirements of ASC Section 310-10-35 for loans individually evaluated for impairment (discussed above) and ASC Subtopic 450-20 for loans collectively evaluated for impairment, as well as the Interagency Policy Statements on the Allowance for Loan and Lease Losses and other bank regulatory guidance.  The total of the two components represents the Bank’s ALL.
Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate.  For general allowances, historical loss trends are used in the estimation of losses in the current portfolio.  These historical loss amounts are modified by qualified factors.
The segments described above, which are based on the Federal call code assigned to each loan, provide the starting point for the ALL analysis.  Company and bank management tracks the historical net charge-off activity at the call code level.  A historical charge-off factor is calculated utilizing a defined number of consecutive historical quarters.  All pools currently utilize a rolling 12 quarters.
“Pass” rated credits are segregated from “Criticized” credits for the application of qualitative factors.  Loans in the criticized pools, which possess certain qualities or characteristics that may lead to collection and loss issues, are closely monitored by management and subject to additional qualitative factors.
Company and Bank management have identified a number of additional qualitative factors which it uses to supplement the historical charge-off factor because these factors are likely to cause estimated credit losses associated with the existing loan pools to differ from historical loss experience.  The additional factors that are evaluated quarterly and updated using information obtained from internal, regulatory, and governmental sources are:  national and local economic trends and conditions; levels of and trends in delinquency rates and non-accrual loans; trends in volume and terms of loans; effects of changes in lending policies; experience, ability, and depth of lending staff; value of underlying collateral; and concentrations of credit from a loan type, industry and/or geographic standpoint. The combination of historical charge-off and qualitative factors are then weighted for each risk grade. These weightings are determined internally based upon the likelihood of loss as a loan risk grading deteriorates.
Bank management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL.  When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL.
The following table summarizes the primary segments of the ALL, segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of December 31, 2014 and 2013.  Activity in the allowance is presented for the periods indicated (in thousands):
								Home
		Commercial			Residential			Equity			Consumer			Total
ALL balance at December 31, 2013		$	3,609		$	519		$	554		$	253		$	4,935
Charge-offs			-1,110			-130			—			-68			-1,308
Recoveries			7			—			3			4			14
Provision			1,857			573			134			18			2,582
ALL balance at December 31, 2014		$	4,363		$	962		$	691		$	207		$	6,223
Individually evaluated for impairment		$	362		$	298		$	28		$	2		$	690
Collectively evaluated for impairment		$	4,001		$	664		$	663		$	205		$	5,533
								Home
		Commercial			Residential			Equity			Consumer			Total
ALL balance at December 31, 2012		$	3,107		$	514		$	242		$	213		$	4,076
Charge-offs			-1,458			-38			—			-33			-1,529
Recoveries			57			60			10			1			128
Provision			1,903			-17			302			72			2,260
ALL balance at December 31, 2013		$	3,609		$	519		$	554		$	253		$	4,935
Individually evaluated for impairment		$	1,243		$	175		$	28		$	12		$	1,458
Collectively evaluated for impairment		$	2,366		$	344		$	526		$	241		$	3,477
During December 2013 the Bank purchased $74.3 million in performing commercial real estate secured loans in the northern Virginia area. At the time of acquisition, none of these loans were considered impaired. They were acquired at a premium of roughly 1.024 or $1.8 million, which is being amortized in accordance with ASC 310-20. These loans are collectively evaluated for impairment under ASC 450. Loans are monitored individually for payoff activity, and any necessary adjustments to the premium will be made accordingly. At December 31, 2014, these balances totaled $51.3 million. Of the $23 million decrease, MVB refinanced $15.7 million and sold a participation totaling $2.9 million. The weighted average yield on the remaining portfolio is 5.66%.
The allowance for loan losses is based on estimates, and actual losses will vary from current estimates.  Management believes that the granularity of the homogeneous pools and the related historical loss ratios and other qualitative factors, as well as the consistency in the application of assumptions, result in an ALL that is representative of the risk found in the components of the portfolio at any given date.
Troubled Debt Restructurings
The restructuring of a loan is considered a troubled debt restructuring (“TDR”) if both (i) the borrower is experiencing financial difficulties and (ii) the creditor has granted a concession.  Concessions may include interest rate reductions or below market interest rates, principal forgiveness, restructuring amortization schedules and other actions intended to minimize potential losses. No TDR’s have defaulted for the years ended December 31, 2014 and 2013, respectively.
At December 31, 2014 and 2013, the Bank had specific reserve allocations for TDR’s of $582 and $1.4 million, respectively.
The following table presents details related to loans identified as Troubled Debt Restructurings during the years ended December 31, 2014 and 2013.
		December 31, 2014								December 31, 2013
				Pre-			Post-					Pre-			Post-
				Modification			Modification					Modification			Modification
		Number		Outstanding			Outstanding			Number		Outstanding			Outstanding
		of		Recorded			Recorded			of		Recorded			Recorded
(Dollars in thousands)		Contracts		Investment			Investment			Contracts		Investment			Investment
Commercial
Commercial Business		1		$	3,606		$	3,606		2		$	119		$	119
Commercial Real Estate		1			496			300		1			352			250
Acquisition and Development		—			—			—		3			4,349			4,333
Total Commercial		2			4,102			3,906		6			4,820			4,702
Residential Real Estate		1			389			382		—			—			—
Home Equity		—			—			—		1			28			28
Consumer		—			—			—		3			8			6
Total		3		$	4,491		$	4,288		10		$	4,856		$	4,736
	-1		The pre-modification and post-modification balances represent the balances outstanding immediately before and after modification of the loan.

PREMISES_AND_EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2014
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	NOTE 4.  PREMISES AND EQUIPMENT
	Premises and equipment at December 31, were as follows:
	(in thousands)	2014		2013
	Land	$	3,006	$	1,976
	Buildings and improvements		14,351		7,755
	Furniture, fixtures and equipment		9,126		7,000
	Construction in progress		3,669		4,154
	Leasehold improvements		1,734		1,203
			31,886		22,088
	Accumulated depreciation		-6,414		-5,169
	Net premises and equipment	$	25,472	$	16,919
	During 2014, the Bank completed construction of a new facility in Kanawha County, West Virginia and a new facility in the West Virginia High Technology Park in Fairmont, Marion County, West Virginia.
	Depreciation expense amounted to $1,245 and $936 for 2014 and 2013, respectively.

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2014
DEPOSITS
DEPOSITS	NOTE 5. DEPOSITS
	Deposits at December 31, were as follows:
	(in thousands)	2014		2013
	Demand deposits of individuals, partnerships, and corporations
	Non-interest bearing demand	$	67,066	$	63,336
	Interest bearing demand		431,896		320,420
	Savings and money markets		87,715		70,902
	Time deposits including CDs and IRAs		236,550		241,153
	Total deposits	$	823,227	$	695,811
	Time deposits that meet or exceed the FDIC insurance limit	$	23,257	$	22,358
	Maturities of time deposits at December 31, 2014 were as follows (in thousands):
	2015	$	159,508
	2016		42,679
	2017		6,157
	2018		12,312
	2019		15,894
	Total	$	236,550

BORROWED_FUNDS

BORROWED FUNDS	12 Months Ended
	Dec. 31, 2014
BORROWED FUNDS
BORROWED FUNDS	NOTE 6. BORROWED FUNDS
	The Bank is a member of the Federal Home Loan Bank (“FHLB”) of Pittsburgh, Pennsylvania.  The remaining maximum borrowing capacity with the FHLB at December 31, 2014 was approximately $257,982.  At December 31, 2014 and 2013 the Bank had borrowed $101,287 and $104,647.
	Short-term borrowings and Repurchase Agreements
	Along with traditional deposits, the Bank has access to both overnight repurchase agreements and short-term borrowings from FHLB to fund its operations and investments. Repurchase agreements totaled $32.7 million at December 31, 2014, compared to $81.6 million in 2013. The decline in repurchase agreements simply relates to strategically moving customer accounts from repurchase agreements to public funds demand deposits accounts. Short-term borrowings from FHLB totaled $95.8 million at December 31, 2014, compared to $98.0 million at year-end 2013. Information related to short-term borrowings and repurchase agreements is summarized below:
	Short-term borrowings:
	(Dollars in thousands)	2014			2013
	Balance at end of year	$	95,829		$	98,028
	Average balance during the year		76,185			55,686
	Maximum month-end balance		120,229			98,028
	Weighted-average rate during the year		0.27	%		0.25	%
	Rate at December 31		0.32	%		0.25	%
	Repurchase agreements:
	(Dollars in thousands)	2014			2013
	Balance at end of year	$	32,673		$	81,578
	Average balance during the year		55,731			80,166
	Maximum month-end balance		83,781			81,578
	Weighted-average rate during the year		0.52	%		0.71	%
	Rate at December 31		0.35	%		0.65	%
	Average balances in the table above were calculated using daily averages for the related accounts.
	Term notes from the FHLB as of December 31 were as follows:
	(Dollars in thousands)	2014			2013
	Fixed interest rate notes, originating between April 2002 and December 2007, due between July 2016 and April 2022, interest of between 4.50% and 5.90% payable monthly	$	4,618		$	5,759
	Amortizing fixed interest rate note, originating February 2007, due February 2022, payable in monthly installments of $5, including interest of 5.22%		840			860
		$	5,458		$	6,619
	Subordinated Debt
	In March 2007 the Company completed the private placement of $4 million Floating Rate, Trust Preferred Securities through its MVB Financial Statutory Trust I subsidiary (the “Trust”).  The Company established the Trust for the sole purpose of issuing the Trust Preferred Securities pursuant to an Amended and Restated Declaration of Trust.  The proceeds from the sale of the Trust Preferred Securities will be loaned to the Company under subordinated Debentures (the “Debentures”) issued to the Trust pursuant to an Indenture.  The Debentures are the only asset of the Trust.  The Trust Preferred Securities have been issued to a pooling vehicle that will use the distributions on the Trust Preferred Securities to securitize note obligations.  The securities issued by the Trust are includable for regulatory purposes as a component of the Company’s Tier I capital.
	The Trust Preferred Securities and the Debentures mature in 2037 and have been redeemable by the Company since 2012.  Interest payments are due in March, June, September and December and are adjusted at the interest due dates at a rate of 1.62% over the three month LIBOR Rate. The obligations of the Company with respect to the issuance of the trust preferred securities constitute a full and unconditional guarantee by the Company of the Trust's obligations with respect to the trust preferred securities to the extent set forth in the related guarantees.
	On June 30, 2014, MVB Financial Corp. (the “Company”) issued its Convertible Subordinated Promissory Notes Due 2024 (the “Notes”) to various investors in the aggregate principal amount of $29,400,000.  The Notes were issued in $100,000 increments per Note subject to a minimum investment of $1,000,000.  The Notes expire 10 years after the initial issuance date of the Notes (the “Maturity Date”).
	Interest on the Notes accrues on the unpaid principal amount of each Note (paid quarterly in arrears on January 1, April 1, July 1 and October 1 of each year) which rate shall be dependent upon the principal invested in the Notes and the holder’s ownership of common stock in the Company.  For investments of less than $3,000,000 in Notes, an ownership of Company common stock representing at least 30% of the principal of the Notes acquired, the interest rate on the Notes is 7% per annum.  For investments of $3,000,000 or greater in Notes and ownership of the Company’s common stock representing at least 30% of the principal of the Notes acquired, the interest rate on the Notes is 7.5% per annum.  For investments of $10,000,000 or greater, the interest rate on the Notes is 7% per annum, regardless of whether the holder owns or acquires MVB common stock.  The principal on the Notes shall be paid in full at the Maturity Date.  On the fifth anniversary of the issuance of the Notes, a holder may elect to continue to receive the stated fixed rate on the Notes or a floating rate determined by LIBOR plus 5% up to a maximum rate of 9%, adjusted quarterly.
	The Notes are unsecured and subject to the terms and conditions of any senior debt and after consultation with the Board of Governors of the Federal Reserve System, the Company may, after the Notes have been outstanding for five years, and without premium or penalty, prepay all or a portion of the unpaid principal amount of any Note together with the unpaid interest accrued on such portion of the principal amount of such Note.  All such prepayments shall be made pro rata among the holders of all outstanding Notes.
	At the election of a holder, any or all of the Notes may be converted into shares of common stock during the 30-day period after the first, second, third, fourth, and fifth anniversaries of the issuance of the Notes or upon a notice to prepay by the Company.  The Notes will convert into common stock based on $32 per share of the Company’s common stock.  The conversion price will be subject to anti-dilution adjustments for certain events such as stock splits, reclassifications, non-cash distributions, extraordinary cash dividends, pro rata repurchases of common stock, and business combination transactions.  The Company must give 20 days’ notice to the holders of the Company’s intent to prepay the Notes, so that holders may execute the conversion right set forth above if a holder so desires.
	Repayment of the Notes is subordinated to the Company’s outstanding senior debt including (if any) without limitation, senior secured loans.  No payment will be made by the Company, directly or indirectly, on the Notes, unless and until all of the senior debt then due has been paid in full.  Notwithstanding the foregoing, so long as there exists no event of default under any senior debt, the Company would make, and a holder would receive and retain for the holder’s account, regularly scheduled payments of accrued interest and principal pursuant to the terms of the Notes.
	The Company must obtain a consent of the holders of the Notes prior to issuing any new senior debt in excess of $15,000,000 after the date of issuance of the Notes and prior to the Maturity Date.
	An event of default will occur upon the Company’s bankruptcy or any failure to pay interest, principal, or other amounts owing on the Notes when due.   Upon the occurrence and during the continuance of an event of default (but subject to the subordination provisions of the Notes) the holders of a majority of the outstanding principal amount of the Notes may declare all or any portion of the outstanding principal amount of the Notes due and payable and demand immediate payment of such amount.
	The Notes are redeemable, in whole or in part, at a redemption price equal to 100% of the principal amount of the Notes to be redeemed on any interest payment date after a date five years from the original issue date.
	The Company reflects subordinated debt in the amount of $33.5 million and $4.1 million as of December 31, 2014 and December 31, 2013 and interest expense of $1.1 million and $79 for the years ended December 31, 2014 and 2013.
	A summary of maturities of borrowings and subordinated debt over the next five years is as follows:
	(dollars in thousands)
	Year	Amount
	2015		95,998
	2016		1,246
	2017		1,470
	2018		81
	2019		85
	Thereafter		35,931
		$	134,811

COMMITMENTS_AND_CONTINGENT_LIA

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
	Dec. 31, 2014
COMMITMENTS AND CONTINGENT LIABILITIES
COMMITMENTS AND CONTINGENT LIABILITIES	NOTE 7.  COMMITMENTS AND CONTINGENT LIABILITIES
	Commitments
	The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments include commitments to extend credit and standby letters of credit.  These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the statements of financial condition.
	The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments.  The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.  The Company evaluates each customer’s credit worthiness on a case-by-case basis.  The amount and type of collateral obtained, if deemed necessary by the Company upon extension of credit, varies and is based on management’s credit evaluation of the customer.
	Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party.  Standby letters of credit generally have fixed expiration dates or other termination clauses and may require payment of a fee.  The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers.  The Company’s policy for obtaining collateral, and the nature of such collateral, is essentially the same as that involved in making commitments to extend credit.
	Total contractual amounts of the commitments as of December 31 were as follows:
	(in thousands)	2014		2013
	Available on lines of credit	$	142,209	$	89,956
	Stand-by letters of credit		4,748		680
	Other loan commitments		993		1,681
		$	147,950	$	92,317
	Concentration of Credit Risk
	The Company grants a majority of its commercial, financial, agricultural, real estate and installment loans to customers throughout the Marion, Harrison, Monongalia, Kanawha, Jefferson and Berkeley County areas of West Virginia as well as the Northern Virginia area and adjacent counties.  Collateral for loans is primarily residential and commercial real estate, personal property, and business equipment.  The Company evaluates the credit worthiness of each of its customers on a case-by-case basis, and the amount of collateral it obtains is based upon management’s credit evaluation.
	Regulatory
	Beginning in 2013, the Company is required to maintain certain reserve balances on hand in accordance with the Federal Reserve Board requirements. The average balance maintained in accordance with such requirements was $16,768 and $7,986 on December 31, 2014 and 2013, respectively.
	Contingent Liability
	The subsidiary bank is involved in various legal actions arising in the ordinary course of business.  In the opinion of management and counsel, the outcome of these matters will not have a significant adverse effect on the consolidated financial statements.

INCOME_TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2014
INCOME TAXES
INCOME TAXES	NOTE 8.  INCOME TAXES
	The amount reflected as income taxes represents federal and state income taxes on financial statement income.  Certain items of income and expense, primarily the provision for possible loan losses, allowance for losses on foreclosed assets held for resale, depreciation, and accretion of discounts on investment securities are reported in different accounting periods for income tax purposes.
	The provisions for income taxes for the years ended December 31, were as follows:
	(in thousands)	2014		2013
	Current:
	Federal	$	862	$	216
	State		124		273
		$	986	$	489
	Deferred expense (benefit)
	Federal	$	-1,017	$	464
	State		-65		30
			-1,082		494
	Income tax expense (benefit)	$	-96	$	983
	Following is a reconciliation of income taxes at federal statutory rates to recorded income taxes for the year ended December 31:
		2014				2013
	(Dollars in thousands)	Amount		%		Amount		%
	Tax at Federal tax rate	$	674	34	%	$	1,701	34	%
	Tax effect of:
	State income tax		50	2.5	%		125	2.5	%
	Tax exempt earnings		-820	-41.3	%		-839	-16.8	%
	Other		—	0	%		-4	0	%
		$	-96	-4.8	%	$	983	19.7	%
	Deferred tax assets and liabilities are the result of timing differences in recognition of revenue and expense for income tax and financial statement purposes.
	Deferred income tax assets and (liabilities) were comprised of the following at December  31 (in thousands):
		2014		2013
	Allowance for loan losses	$	2,292	$	1,263
	Minimum pension liability		1,491		990
	Unrealized gain on securities available-for-sale		271		984
	Gross deferred tax assets		4,054		3,237
	Depreciation		-705		-747
	Pension		-10		-22
	Goodwill		-446		-446
	Gross deferred tax liabilities		-1,161		-1,215
	Net deferred tax asset	$	2,893	$	2,022
	No deferred income tax valuation allowance is provided since it is more likely than not that realization of the deferred income tax asset will occur in future years.
	The Company prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. There is currently no liability for uncertain tax positions and no known unrecognized tax benefits. With limited exception, the Company’s federal and state income tax returns for taxable years through 2009 have been closed for purposes of examination by the federal and state taxing jurisdictions.

RELATED_PARTY_TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2014
RELATED PARTY TRANSACTIONS
RELATED PARTY TRANSACTIONS	NOTE 9.  RELATED PARTY TRANSACTIONS
	The Company has granted loans to officers and directors of the Company and to their associates.  Related party loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated parties and do not involve more than normal risk of collectability.  Set forth below is a summary of the related loan activity.
		Balance at								Balance
		Beginning								at end
	(in thousands)	of Year		Borrowings		Retirement		Repayments		of Year
	December 31, 2014	$	18,090	$	4,834	$	-514	$	-1,782	$	20,628
	December 31, 2013	$	23,571	$	3,090	$	-7,723	$	-848	$	18,090
	The Company held related party deposits of $6.9 million and $4.6 million at December 31, 2014 and December 31, 2013, respectively.
	The Company held related party repurchase agreements of $0 and $1.5 million at December 31, 2014 and December 31, 2013, respectively.

PENSION_PLAN

PENSION PLAN	12 Months Ended
	Dec. 31, 2014
PENSION PLAN
PENSION PLAN	NOTE 10.  PENSION PLAN
	The Company participates in a trusteed pension plan known as the Allegheny Group Retirement Plan covering virtually all full-time employees.  Benefits are based on years of service and the employee's compensation.  Accruals under the Plan were frozen as of May 31, 2014. Freezing the plan resulted in a re-measurement of the pension obligations and plan assets as of the freeze date. The pension obligation was re-measured using the discount rate based on the Citigroup Above Median Pension Discount Curve in effect on May 31, 2014 of 4.46%.
	The plan freeze lowered the pension cost in 2014 by $347 versus 2013.
	Information pertaining to the activity in the Company’s defined benefit plan, using the latest available actuarial valuations with a measurement date of December 31, 2014 and 2013 is as follows:
	(in thousands)	2014			2013
	Change in benefit obligation
	Benefit obligation at beginning of year	$	6,492		$	5,798
	Service cost		346			651
	Interest cost		306			247
	Actuarial loss		2,194			-65
	Assumption changes		1,270			—
	Curtailment impact		-2,299			—
	Benefits paid		-136			-139
	Benefit obligation at end of year	$	8,173		$	6,492
	Change in plan assets:
	Fair value of plan assets at beginning of year	$	4,071		$	3,366
	Actual return on plan assets		96			435
	Employer contribution		440			409
	Benefits paid		-136			-139
	Fair value of plan assets at end of year	$	4,471		$	4,071
	Funded status	$	-3,702		$	-2,421
	Unrecognized net actuarial loss		3,727			2,475
	Unrecognized prior service cost		—			—
	Prepaid pension cost recognized	$	25		$	54
	Accumulated benefit obligation	$	8,173		$	4,983
	At December 31, 2014 and 2013, the weighted average assumptions used to determine the benefit obligation are as follows:
		2014		2013
	Discount rate	3.90	%	4.86	%
	Rate of compensation increase	n/a	%	3.00	%
	The components of net periodic pension cost are as follows (in thousands):
	Service cost	$	346		$	651
	Interest cost		306			247
	Expected return on plan assets		-319			-271
	Amortization of prior service costs		—			2
	Amortization of loss		136			186
	Net periodic pension cost	$	469		$	815
	For the years December 31, 2014 and 2013, the weighted average assumptions used to determine net periodic pension cost are as follows:
		2014		2013
	Discount rate	4.86	%	4.31	%
	Expected long-term rate of return on plan assets	7.50	%	7.46	%
	Rate of compensation increase	n/a	%	3.00	%
	The Company’s pension plan asset allocations at December 31, 2014 and 2013, as well as target allocations for 2015 are as follows:
		12/31/14		12/31/13
	Plan Assets
	Cash	9	%	7	%
	Fixed income	27	%	28	%
	Alternative investments	15	%	12	%
	Domestic equities	32	%	33	%
	Foreign equities	16	%	17	%
	Real estate inv. trusts (REITs)	1	%	3	%
	Total	100	%	100	%
	The estimated net loss (gain) for the plan that are expected to be amortized from accumulated other comprehensive income into net periodic benefit cost over the next fiscal year is $257.
	The following table sets forth by level, within the fair value hierarchy, as defined in Note 18 - Fair Value Measurements, the Plan’s assets at fair value as of December 31, 2014.
	(in thousands)	Level I			Level II		Level III		Total
	Assets:
	Cash	$	402		$	—		—		402
	Fixed income		1,207			—		—		1,207
	Alternative investments		—			671		—		671
	Domestic equities		1,431			—		—		1,431
	Foreign equities		715			—		—		715
	Real estate inv. Trusts		45			—		—		45
	Total assets at fair value	$	3,800		$	671	$	—	$	4,471
	The fair value of MVB’s pension plan assets at December 31, 2013 by asset class are as follows:
	The following table sets forth by level, within the fair value hierarchy, as defined in Note 18 - Fair Value Measurements, the Plan’s assets at fair value as of December 31, 2013.
(in thousands)	Level I			Level II		Level III		Total
Assets:
Cash	$	285		$	—		—		285
Fixed income		1,140			—		—		1,140
Alternative investments		—			489		—		489
Domestic equities		1,343			—		—		1,343
Foreign equities		692			—		—		692
Real estate inv. Trusts		122			—		—		122
Total assets at fair value	$	3,582		$	489	$	—	$	4,071
Investment in government securities and short-term investments are valued at the closing price reported on the active market on which the individual securities are traded. Alternative investments and investment in debt securities are valued at quoted prices which are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed. The methods described above may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values.  Furthermore, while the Plan believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different fair value measurement at the reporting date.
Below we show the best estimate of the plan contribution for next fiscal year.  We also show the benefits expected to be paid in each of the next five fiscal years, and in the aggregate for the five fiscal years thereafter.
(in thousands)	Cash Flow
Contributions for the period of 01/01/15 through 12/31/15	$	338
Estimated future benefit payments reflecting expected future service
2015	$	221
2016	$	229
2017	$	252
2018	$	258
2019	$	277
2020 through 2024	$	1,718

INTANGIBLE_ASSETS

INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2014
INTANGIBLE ASSETS
INTANGIBLE ASSETS	NOTE 11.  INTANGIBLE ASSETS
	On October 7, 2005, the Company purchased a full service office in the Charles Town area of Jefferson County West Virginia.  This office held assets of $1.8 million and total deposits of $17.1 million.  As a result of this transaction, the Company recorded intangible assets of $897 goodwill and $128 in core deposit intangibles.  The core deposit intangibles have been amortized using the double-declining balance method over 10 years.  As of December 31, 2014, $127 has been amortized and $1 remains to be amortized over the next year. Goodwill is evaluated for impairment on October 1st each year by the Company.  In December 2012 the Company purchased Potomac Mortgage Group (PMG), a mortgage company in Northern Virginia.  As a result of this transaction, MVB Mortgage recorded $16.9 million in goodwill.  This goodwill will be evaluated for impairment on an annual basis each December.

STOCK_OFFERING

STOCK OFFERING	12 Months Ended
	Dec. 31, 2014
STOCK OFFERING
STOCK OFFERING	NOTE 12.  STOCK OFFERING
	On June 30, 2014, the Company filed Certificates of Designations for its Convertible Noncumulative Perpetual Preferred Stock, Series B (“Class B Preferred”) and its Convertible Noncumulative Perpetual Preferred Stock, Series C (“Class C Preferred”).  The Class B Preferred Certificate designated 400 shares of preferred stock as Class B Preferred shares.  The Class B Preferred shares carry an annual dividend rate of 6% and are convertible into shares of Company common stock within thirty days after the first, second, third, fourth and fifth anniversaries of the original issue date, based on a common stock price of - per share, as adjusted for future corporate activities.  The Class B Preferred shares are redeemable by the Company on or after the fifth anniversary of the original issue date for Liquidation Amount, as defined therein, plus declared and unpaid dividends.  Redemption is subject to any necessary regulatory approvals.  In the event of liquidation of the Company, shares of Class B Preferred stock shall be junior to creditors of the Company and to the shares of Senior Noncumulative Perpetual Preferred Stock, Series A.  Holders of Class B Preferred shares shall have no voting rights, except for authorization of senior shares of stock, amendment to the Class B Preferred shares, share exchanges, reclassifications or changes of control, or as required by law.
	The Class C Preferred Certificate designated 383.4 shares of preferred stock as Class C Preferred shares.  The Class C Preferred shares carry an annual dividend rate of 6.5% and are convertible into shares of Company common stock within thirty days after the first, second, third, fourth and fifth anniversaries of the original issue date, based on a common stock price of $16 per share, as adjusted for future corporate activities.  The Class C Preferred shares are redeemable by the Company on or after the fifth anniversary of the original issue date for Liquidation Amount, as defined therein, plus declared and unpaid dividends.  Redemption is subject to any necessary regulatory approvals.  In the event of liquidation of the Company, shares of Class C Preferred stock shall be junior to creditors of the Company and to the shares of Senior Noncumulative Perpetual Preferred Stock, Series A and the Class B Preferred shares.  Holders of Class C Preferred shares shall have no voting rights, except for authorization of senior shares of stock, amendment to the Class C Preferred shares, share exchanges, reclassifications or changes of control, or as required by law. The proceeds of these preferred stock offerings will be used to support continued growth of the Company and its Subsidiaries.
	During 2013, the Company commenced a private offering under Rule 506 of Regulation D of its common stock to accredited investors.  As of December 31, 2013, the Company had received subscriptions for 610,194 common stock shares totaling $9.8 million in additional capital.  During the nine month period ended September 30, 2014, the Company received additional subscriptions for 361,865 common stock shares totaling $5.8 million in additional capital at September 30, 2014.  The proceeds of this offering are also being used to support continued growth of the Company and its Subsidiaries.
	During the first quarter of 2013, the Company completed a private offering to accredited investors which resulted in the issuance of 2,265,054 shares totaling $27.1 million in additional capital.  The proceeds of this offering were used to support the acquisition of Potomac Mortgage Group, Inc. (which now does business as MVB Mortgage) as well as the continued growth of the Company.
	On September 8, 2011 MVB received $8.5 million in Small Business Lending Fund (SBLF) capital.  MVB issued 8,500 shares of $1,000 per share preferred stock with dividends payable in arrears on January 1, April 1, July 1 and October 1 each year. MVB's loan production qualified for the lowest dividend rate possible of 1%.  MVB may continue to utilize the SBLF capital through March 8, 2016 at the 1% dividend rate. After that time, if the SBLF is not retired, the dividend rate increases to 9%.

STOCK_OPTIONS

STOCK OPTIONS	12 Months Ended
	Dec. 31, 2014
STOCK OPTIONS
STOCK OPTIONS	NOTE 13.  STOCK OPTIONS
	The MVB Financial Corp. Incentive Stock Plan (‘the Plan”) provides for the issuance of stock options to selected employees.  Under the provisions of the plan, the option price per share shall not be less than the fair market value of the common stock on the date of the grant. For options granted in 2005 the vesting period has been accelerated to fully vest at December 31, 2005.  These options also expire 10 years from the date of the grant.  Options granted in 2006, 2010, 2011, 2012 and 2013 vest in 5 years and expire 10 years from the date of the grant, with the exception of 22,000 shares granted in 2010 that vest in 3 years and expire 10 years from the date of the grant. As of December 31, 2014, the Plan had $2.2 million shares authorized and $887,895 shares remaining available for issuance.
	Total compensation expense recorded on stock options during 2014 and 2013 was $321 and $196, respectively. Proceeds from stock options exercised were $63 and $323 during 2014 and 2013 respectively
	The following summarizes MVB’s stock options as of and for the year ended December 31, 2014, and the changes for the year then ended:
				Weighted-
		Number		Average
		of		Exercise
		Shares		Price
	Outstanding at beginning of year	1,091,410		$	11.20
	Granted	288,495			15.99
	Exercised	-6,400			9.90
	Forfeited/expired	-17,600			11.66
	Outstanding at end of year	1,355,905		$	12.2
	Exercisable at end of year	543,870		$	9.6
	Weighted-average fair value of options granted during 2014			$	3.05
	Weighted-average fair value of options granted during 2013			$	1.71
	The intrinsic value of options exercised during 2014 and 2013 was $37 and 413
	The fair value for the options was estimated at the date of grant using a Black-Scholes option-pricing model with average risk-free interest rates of 2.65% and 2.08% for 2014 and 2013 and a weighted average expected life of the options of 7 years for both 2014 and 2013.  The expected volatility of MVB’s stock price used for 2014 options was 10.23%, while for the 2013 options it was 6.70%.  The expected dividend yield used was 50% for both 2014 and 2013.
	The following summarizes information related to the total outstanding and exercisable options at December 31, 2014:
	Options Outstanding						Options Exercisable
		Weighted-				Weighted-		Weighted-			Weighted-
		Average				Average		Average			Average
	Total	Exercise			Intrinsic	Remaining	Total	Exercise		Intrinsic	Remaining
	Options	Price			Value	Life	Options	Price		Value	Life
	1,355,905	$	12.2		3,771,104	6.73	543,870	$	9.6	2,949,958	4.24

REGULATORY_CAPITAL_REQUIREMENT

REGULATORY CAPITAL REQUIREMENTS	12 Months Ended
	Dec. 31, 2014
REGULATORY CAPITAL REQUIREMENTS
REGULATORY CAPITAL REQUIREMENTS	NOTE 14.  REGULATORY CAPITAL REQUIREMENTS
	The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements.  Under capital adequacy guidelines the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices.  The Company’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.
	Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios of Total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets, as defined.  As of December 31, 2014 and 2013, the Company meets all capital adequacy requirements to which it is subject.
	The most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table below.   Both the Company’s and the Bank’s actual capital amounts and ratios are presented in the table below.
										MINIMUM
						MINIMUM				FOR CAPITAL
						TO BE WELL				ADEQUACY
		ACTUAL				CAPITALIZED				PURPOSES
	(Dollars in thousands)	AMOUNT		RATIO		AMOUNT		RATIO		AMOUNT		RATIO
	As of December 31, 2014
	Total Capital (to risk-weighted assets)
	Consolidated	$	133,780	16.4	%		N/A	N/A		$	65,249	8.0	%
	Subsidiary Bank	$	124,725	15.4	%	$	81,125	10.0	%	$	64,900	8.0	%
	Tier I Capital (to risk-weighted assets)
	Consolidated	$	98,158	12.0	%		N/A	N/A		$	32,625	4.0	%
	Subsidiary Bank	$	118,503	14.6	%	$	48,675	6.0	%	$	32,450	4.0	%
	Tier I Capital (to average assets)
	Consolidated	$	98,158	9.0	%		N/A	N/A		$	41,480	4.0	%
	Subsidiary Bank	$	118,503	10.8	%	$	54,682	5.0	%	$	43,746	4.0	%
	As of December 31, 2013
	Total Capital (to risk-weighted assets)
	Consolidated	$	84,361	12.9	%		N/A	N/A		$	52,175	8.0	%
	Subsidiary Bank	$	86,028	13.2	%	$	65,262	10.0	%	$	52,209	8.0	%
	Tier I Capital (to risk-weighted assets)
	Consolidated	$	79,342	12.2	%		N/A	N/A		$	26,087	4.0	%
	Subsidiary Bank	$	81,009	12.4	%	$	39,157	6.0	%	$	26,105	4.0	%
	Tier I Capital (to average assets)
	Consolidated	$	79,342	8.9	%		N/A	N/A		$	35,840	4.0	%
	Subsidiary Bank	$	81,009	9.0	%	$	44,800	5.0	%	$	35,840	4.0	%

REGULATORY_RESTRICTION_ON_DIVI

REGULATORY RESTRICTION ON DIVIDEND	12 Months Ended
	Dec. 31, 2014
REGULATORY RESTRICTION ON DIVIDEND
REGULATORY RESTRICTION ON DIVIDEND	NOTE 15.  REGULATORY RESTRICTION ON DIVIDEND
	The approval of the regulatory agencies is required if the total of all dividends declared by the Bank in any calendar year exceeds the Bank’s net profits, as defined, for that year combined with its retained net profits for the preceding two calendar years.

LEASES

LEASES	12 Months Ended
	Dec. 31, 2014
LEASES
LEASES	NOTE 16.  LEASES
	The Company leases land and building space for the operation of some banking offices.  All such leases qualify as operating leases.  Following is a schedule by year of future minimum lease payments required under operating leases that have initial or remaining non-cancelable lease terms in excess of one year as of December 31, 2014:
		(in thousands)
	Years ended December 31:
	2015	$	1,770
	2016		1,666
	2017		992
	2018		674
	2019		244
	Thereafter		590
	Total minimum payments required:	$	5,936
	Total rent expense for the years ended December 31, 2014 and 2013 was $1,703 and $1,034, respectively.

FAIR_VALUE_OF_FINANCIAL_INSTRU

FAIR VALUE OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2014
FAIR VALUE OF FINANCIAL INSTRUMENTS
FAIR VALUE OF FINANCIAL INSTRUMENTS	NOTE 17.  FAIR VALUE OF FINANCIAL INSTRUMENTS
	The following summarizes the methods and significant assumptions used by the Company in estimating its fair value disclosures for financial instruments.
	Level I:  Quoted prices are available in active markets for identical assets or liabilities as of the reported date.
	Level II:  Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date.  The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed.
	Level III:  Assets and liabilities that have little to no pricing observability as of the reported date.  These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.
	Estimated fair values have been determined by the Company using historical data, as generally provided in the Company’s regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company’s fair value estimates, methods and assumptions are set forth below for the Company’s other financial instruments.
	Cash and cash equivalents: The carrying amounts for cash and cash equivalents approximate fair value because they have original maturities of 90 days or less and do not present unanticipated credit concerns.
	Certificates of deposits: The fair values for loans are computed based on scheduled future cash flows of principal and interest, discounted at interest rates currently offered for loans with similar terms of borrowers of similar credit quality.  No prepayments of principal are assumed.
	Securities:  Fair values of securities are based on quoted market prices, where available.  If quoted market prices are not available, estimated fair values are based on quoted market prices of comparable securities.
	Loans held for sale: Loans held for sale are reported at fair value. These loans currently consist of one-to-four-family residential loans originated for sale in the secondary market. Fair value is based on committed market rates or the price secondary markets are currently offering for similar loans using observable market data. (Level II)
	Loans:  The fair values for loans are computed based on scheduled future cash flows of principal and interest, discounted at interest rates currently offered for loans with similar terms of borrowers of similar credit quality.  No prepayments of principal are assumed.
	Mortgage servicing rights: The carrying value of mortgage servicing rights approximates their fair value.
	Interest rate lock commitment: For mortgage interest rate locks, the fair value is based on either (i) the price of the underlying loans obtained from an investor for loans that will be delivered on a best efforts basis or (ii) the observable price for individual loans traded in the secondary market for loans that will be delivered on a mandatory basis or (iii) less expected costs to deliver the interest rate locks, any expected “pull through rate” is applied to this calculation to estimate the derivative value.
	Interest rate cap: The fair value of the interest rate cap is determined at the end of each quarter by determining through Bloomberg Finance the current price of the same cap for each quarter end.
	Accrued interest receivable and payable and repurchase agreements:  The carrying values of accrued interest receivable and payable approximate their fair values.
	Deposits:  The fair values of demand deposits (i.e., non-interest bearing checking, NOW and money market), savings accounts and other variable rate deposits approximate their carrying values.  Fair values of fixed maturity deposits are estimated using a discounted cash flow methodology at rates currently offered for deposits with similar remaining maturities.  Any intangible value of long-term relationships with depositors is not considered in estimating the fair values disclosed.
	Forward Sales Commitments: Forward sales commitments are used to mitigate interest rate risk for residential mortgage loans held for sale and interest rate locks and manage expected funding percentages. These instruments are considered derivatives and are recorded at fair value, based on (i) committed sales prices from investors for commitments to sell mortgage loans or (ii) observable market data inputs for commitments to sell mortgage backed securities.
	FHLB and other borrowings: The fair values for loans are computed based on scheduled future cash flows of principal and interest, discounted at interest rates currently offered for loans with similar terms of borrowers of similar credit quality.  No prepayments of principal are assumed.
	Subordinated debt: The fair values for loans are computed based on scheduled future cash flows of principal and interest, discounted at interest rates currently offered for loans with similar terms of borrowers of similar credit quality.  No prepayments of principal are assumed.
	Off-balance sheet instruments:  The fair values of commitments to extend credit and standby letters of credit are estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of agreements and the present credit standing of the counterparties.  The amounts of fees currently charged on commitments and standby letters of credit are deemed insignificant, and therefore, the estimated fair values and carrying values are not shown.
	The carrying values and estimated fair values of the Company’s financial instruments are summarized as follows (in thousands):
	Fair Value Measurements at
						Quoted
						Prices
						in Active		Significant
						Markets for		Other		Significant
				Estimated		Identical		Observable		Unobservable
		Carrying		Fair		Assets		Inputs		Inputs
	December 31, 2014	Value		Value		(Level 1)		(Level 2)		(Level 3)
	Financial assets:
	Cash and cash equivalents	$	30,077	$	30,077	$	30,077	$	—	$	—
	Certificates of deposits with other banks		11,907		12,035		—		12,035		—
	Securities available-for-sale		68,213		68,213		77		68,136
	Securities held-to-maturity		54,538		55,871		—		55,871		—
	Loans held for sale		69,527		69,527				69,527
	Loans, net		792,074		803,036		—		—		803,036
	Mortgage servicing rights		1,423		1,423						1,423
	Interest rate lock commitment		1,020		1,020		—		—		1,020
	Interest rate cap		1,423		1,423		—		1,423		—
	Accrued interest receivable		2,387		2,387		—		728		1,659
	Financial liabilities:
	Deposits	$	823,227	$	824,078	$	—	$	824,078	$	—
	Repurchase agreements		32,673		32,673		—		32,673		—
	FHLB and other borrowings		101,287		101,338		—		101,338		—
	Forward sales commitments		431		431		—		431		—
	Accrued interest payable		376		376		—		376		—
	Subordinated debt		33,524		31,172		—		31,172		—
	December 31, 2013
	Financial assets:
	Cash and cash equivalents	$	39,843	$	39,843	$	39,843	$	—	$	—
	Certificates of deposits		9,427		9,616		—		9,616		—
	Securities available-for-sale		106,411		106,411		187		106,224		—
	Securities held-to-maturity		56,670		54,118		—		54,118		—
	Loans held for sale		90,061		90,061		—		90,061		—
	Loans, net		617,370		620,295		—		—		620,295
	Mortgage servicing rights		1,417		1,417		—		—		1,417
	Interest rate lock commitment		1,081		1,081		—		—		1,081
	Forward sales commitments		316		316		—		316		—
	Accrued interest receivable		2,764		2,764		—		2,764		—
	Financial liabilities:
	Deposits	$	695,811	$	697,301	$	—	$	697,301	$	—
	Repurchase agreements		81,578		81,578		—		81,578		—
	FHLB and other borrowings		104,647		104,742		—		104,742		—
	Accrued interest payable		327		327		—		327		—
Subordinated debt		4,124		4,124		—		4,124		—
Fair value estimates are made at a specific point in time, based on relevant market information about the financial instrument.  These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument.  Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore, cannot be determined with precision.  Changes in assumptions could significantly affect the estimates.  Fair value estimates are based on existing on-and-off balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments.

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Dec. 31, 2014
FAIR VALUE MEASUREMENTS
FAIR VALUE MEASUREMENTS	NOTE 18.  FAIR VALUE MEASUREMENTS
	Accounting standards require that the Company adopt fair value measurement for financial assets and financial liabilities.  This enhanced guidance for using fair value to measure assets and liabilities applies whenever other standards require or permit assets or liabilities to be measured at fair value.  This guidance does not expand the use of fair value in any new circumstances.
	Accounting standards establish a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value.  The three broad levels defined by these standards are as follows:
	Level I:     Quoted prices are available in active markets for identical assets or liabilities as of the reported date.
	Level II:     Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date.  The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed.
	Level III:     Assets and liabilities that have little to no pricing observability as of the reported date.  These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.
	Assets Measured on a Recurring Basis
	As required by accounting standards, financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.  The Company classified investments in government securities as Level 2 instruments and valued them using the market approach.  The following measurements are made on a recurring basis.
		·		Available-for-sale investment securities -  Available-for-sale investment securities are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security's credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities issued by government sponsored entities and private label entities, municipal bonds and corporate debt securities. There have been no changes in valuation techniques for the year ended December 31, 2014. Valuation techniques are consistent with techniques used in prior periods.
		·		Loans held for sale — Loans held for sale are carried at fair value. These loans currently consist of one-to-four-family residential loans originated for sale in the secondary market. Fair value is based on the committed market rates or the price secondary markets are currently offering for similar loans using observable market data.
		·		Interest rate lock commitment - For mortgage interest rate locks, the fair value is based on either (i) the price of the underlying loans obtained from an investor for loans that will be delivered on a best efforts basis or (ii) the observable price for individual loans traded in the secondary market for loans that will be delivered on a mandatory basis or (iii) less expected costs to deliver the interest rate locks, any expected “pull through rate” is applied to this calculation to estimate the derivative value.
		·		Interest rate cap  - The fair value of the interest rate cap is determined at the end of each quarter by determining through Bloomberg Finance the current price of the same cap for each quarter end.
		·		Forward sales commitments – Forward sales commitments are considered derivatives and are recorded at fair value, based on (i) committed sales prices from investors for commitments to sell mortgage loans or (ii) observable market data inputs for commitments to sell mortgage backed securities. For mortgage interest rate locks, the fair value is based on either (i) the price of the underlying loans obtained from an investor for loans that will be delivered on a best efforts basis or (ii) the observable price for individual loans traded in the secondary market for loans that will be delivered on a mandatory basis or (iii) less the cost to originate loans and applied pull through rate.
	The following tables present the assets reported on the consolidated statements of financial condition at their fair value on a recurring basis as of December 31, 2014 and 2013 by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.
			December 31, 2014
	(in thousands)		Level I			Level II		Level III		Total
	U.S. Agency Securities		$	—	$	37,534	$	—		$	37,534
	U.S. Sponsored Mortgage backed Securities			—		29,932		—			29,932
	Equity and Other Securities			77		670		—			747
	Loans held for sale			—		69,527		—			69,527
	Interest rate lock commitment			—		—		1,020			1,020
	Interest rate cap			—		1,423		—			1,423
	Forward sales commitments			—		-431		—			-431
			December 31, 2013
	(in thousands)		Level I		Level II		Level III		Total
	U.S. Agency Securities	$	—	$	58,822	$	—	$	58,822
	U.S. Sponsored Mortgage backed Securities		—		46,592		—		46,592
	Equity and Other Securities		187		810		—		997
	Loans held for sale		—		90,061		—		90,061
	Interest rate lock commitment		—		—		1,081		1,081
	Forward sales commitments		—		316		—		316
	Assets Measured on a Nonrecurring Basis
	The Company may be required, from time to time, to measure certain financial assets, financial liabilities, non-financial assets and non-financial liabilities at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market value that were recognized at fair value below cost at the end of the period. Certain non-financial assets measured at fair value on a non-recurring basis include foreclosed assets (upon initial recognition or subsequent impairment), non-financial assets and non-financial liabilities measured at fair value in the second step of a goodwill impairment test, and intangible assets and other non-financial long-lived assets measured at fair value for impairment assessment. Non-financial assets measured at fair value on a nonrecurring basis during 2014 and 2013 include certain foreclosed assets which, upon initial recognition, were remeasured and reported at fair value through a charge-off to the allowance for possible loan losses and certain foreclosed assets which, subsequent to their initial recognition, were remeasured at fair value through a write-down included in other non-interest expense.
		·		Impaired Loans - Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment using one of several methods, including collateral value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Collateral values are estimated using Level 2 inputs based on observable market data or Level 3 inputs based on customized discounting criteria. For a majority of impaired real estate related loans, the Company obtains a current external appraisal. Other valuation techniques are used as well, including internal valuations, comparable property analysis and contractual sales information.
		·		Other Real Estate owned — Other real estate owned, which is obtained through the Bank’s foreclosure process is valued utilizing the appraised collateral value. Collateral values are estimated using Level 2 inputs based on observable market data or Level 3 inputs based on customized discounting criteria. At the time, the foreclosure is completed, the Company obtains a current external appraisal.
		·		Mortgage Servicing Rights – Mortgage servicing rights (“MSRs”) do not trade in an active, open market with readily observable prices. While sales of MSRs do occur, the precise terms and conditions typically are not readily available.
	Assets measured at fair value on a nonrecurring basis as of December 31, 2014 and 2013 are included in the table below (in thousands):
			December 31, 2014
			Level I			Level II			Level III			Total
	Impaired loans		$	—		$	—		$	14,091		$	14,091
	Other real estate owned			—			—			575			575
	Mortgage servicing rights			—			—			1,423			1,423
			December 31, 2013
			Level I			Level II			Level III			Total
	Impaired loans		$	—		$	—		$	5,178		$	5,178
	Other real estate owned			—			—			375			375
	Mortgage servicing rights			—			—			1,417			1,417
	The following tables presents quantitative information about the Level 3 significant unobservable inputs for assets and liabilities measured at fair value on a nonrecurring basis at December 31, 2014 and 2013.
			Quantitative Information about Level 3 Fair Value Measurements
	(Dollars in thousands)					Valuation		Unobservable
	December 31, 2014		Fair Value			Technique		Input		Range
	Impaired loans		$	14,091		Appraisal of collateral (1)		Appraisal adjustments (2)		20% - 30%
								Liquidation expense (2)		5% - 10%
	Other real estate owned		$	575		Appraisal of collateral (1)		Appraisal adjustments (2)		20% - 30%
								Liquidation expense (2)		5% - 10%
	Mortgage servicing rights		$	1,423		Discounted cash flows		Constant prepayment rate		12%
								Cost of service		0.25%
								Discount rate		12%
			Quantitative Information about Level 3 Fair Value Measurements
	(Dollars in thousands)					Valuation		Unobservable
	December 31, 2013		Fair Value			Technique		Input		Range
	Impaired loans		$	5,178		Appraisal of collateral (1)		Appraisal adjustments (2)		20% - 30%
								Liquidation expense (2)		5% - 10%
	Other real estate owned		$	375		Appraisal of collateral (1)		Appraisal adjustments (2)		20% - 30%
							Liquidation expense (2)		5% - 10%
Mortgage servicing rights		$	1,417		Discounted     cash flows		Constant prepayment rate		12%
							Cost of service		0.25%
							Discount rate		12%
	-1		Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.
	-2		Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.

COMPREHENSIVE_INCOME

COMPREHENSIVE INCOME	12 Months Ended
	Dec. 31, 2014
COMPREHENSIVE INCOME
COMPREHENSIVE INCOME	NOTE 19. COMPREHENSIVE INCOME
	The following tables present the components of accumulated other comprehensive income (“AOCI”) for the year ended December 31, 2014 (in thousands):
		2014		2013
		Amount		Amount
		Reclassified		Reclassified		Affected line item in the Statement where net
	Details about AOCI Components	from AOCI		from AOCI		income is presented
	Available-for-sale securities
	Unrealized holding gains	$	413	$	145	Gain on sale of securities
			413		145	Total before tax
			-165		-58	Income tax expense
			248		87	Net of tax
	Defined benefit pension plan items
	Change in defined benefit pension plan		-208		188	Salaries and benefits
			-208		188	Total before tax
			83		-75	Income tax expense
			-125		113	Net of tax
	Total reclassifications	$	123	$	200
		Unrealized
		gains (losses)
		on available-		Defined benefit
		for-sale		pension plan
	(in thousands)	securities		items		Total
	Balance at January 1, 2014	$	-1,476	$	-1,485	$	-2,961
	Other comprehensive loss before reclassification		822		-626		196
	Amounts reclassified from AOCI		248		-125		123
	Net current period OCI		1,070		-751		319
	Balance at December 31, 2014	$	-406	$	-2,236	$	-2,642
	Balance at January 1, 2013	$	240	$	-1,735	$	-1,495
	Other comprehensive loss before reclassification		-1,803		137		-1,666
	Amounts reclassified from AOCI		87		113		200
	Net current period OCI		-1,716		250		-1,466
	Balance at December 31, 2013	$	-1,476	$	-1,485	$	-2,961

CONDENSED_FINANCIAL_STATEMENTS

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY	12 Months Ended
	Dec. 31, 2014
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY	NOTE 20. CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY
	Information relative to the parent company’s condensed balance sheets at December 31, 2014 and 2013, and the related condensed statements of income and cash flows for each of those years are presented below:
		December 31
	(in thousands)	2014		2013
	Condensed Balance Sheets
	Assets
	Cash	$	5,528	$	362
	Investment in subsidiaries		135,633		97,164
	Other assets		2,334		717
	Total assets	$	143,495	$	98,243
	Liabilities and stockholders’ equity
	Other liabilities	$	533	$	97
	Long-term debt		33,524		4,124
	Total liabilities		34,057		4,221
	Total stockholders’ equity		109,438		94,022
	Total liabilities and stockholders’ equity	$	143,495	$	98,243
		Year ended December 31,
	(in thousands)	2014		2013
	Condensed Statements of Income
	Income - dividends from bank subsidiary	$	3,112	$	2,666
	Expenses - operating		2,972		499
	Income before income taxes and undistributed earnings		140		2,167
	Income tax (benefit)		-992		-190
	Income after tax (benefit)		1,132		2,357
	Equity in undistributed income earnings of subsidiaries		947		1,663
	Net income	$	2,079	$	4,020
	Preferred dividends	$	332	$	85
	Net income available to common shareholders’	$	1,747	$	3,935
	Other comprehensive income	$	319	$	-1,466
	Comprehensive income	$	2,398	$	2,554
	(in thousands)	2014		2013
	Condensed Statements of Cash Flows
	OPERATING ACTIVITIES
	Net income	$	2,079	$	4,020
	Equity in undistributed earnings of subsidiaries		-947		-1,663
	Increase in other assets		-1,778		-340
	Increase in other liabilities		436		57
	Stock option expense		321		196
	Net cash provided by operating activities		111		2,950
	INVESTING ACTIVITIES
	Investment in subsidiary		-37,042		-26,469
	Net cash used in investing activities		-37,042		-26,469
	FINANCING ACTIVITIES
	Proceeds of stock offering		5,588		23,109
	Dividend reinvestment plan		180		913
	Proceeds from subordinated debt		29,400		—
	Preferred stock issuance		7,834		—
	Common stock options exercised		63		323
	Cash dividends paid on common stock		-636		-537
	Cash dividends paid on preferred stock		-332		-85
	Net cash provided by financing activities		42,097		23,723
	Increase in cash		5,166		204
	Cash at beginning of period		362		158
	Cash at end of period	$	5,528	$	362

SEGMENT_REPORTING

SEGMENT REPORTING	12 Months Ended
	Dec. 31, 2014
SEGMENT REPORTING
SEGMENT REPORTING	NOTE 21. SEGMENT REPORTING
	During 2013, the Company identified three reportable segments: commercial and retail banking; mortgage banking; and insurance services. Revenue from commercial and retail banking activities consists primarily of interest earned on loans and investment securities and service charges on deposit accounts.
	Revenue from the mortgage banking activities is comprised of interest earned on loans and fees received as a result of the mortgage origination process. The mortgage banking services are conducted by MVB Mortgage. Revenue from insurance services is comprised mainly of commissions on the sale of insurance products.
	Information about the reportable segments and reconciliation to the consolidated financial statements for the years end December 31, 2014 and 2013 are as follows:
		Commercial
		&
		Retail		Mortgage				Intercompany
	(in thousands)	Banking		Banking		Insurance		Eliminations		Consolidated
	Revenues:
	Interest income	$	32,258	$	2,891	$	—	$	1,265	$	36,414
	Gain on loans held for sale		900		18,691		—		-1,199		18,392
	Insurance income		—		—		3,523		—		3,523
	Other income		4,930		325		—		-1,239		4,016
	Total operating income		38,088		21,907		3,523		-1,173		62,345
	Expenses:
	Interest expense		7,366		1,635		—		-918		8,083
	Salaries and employee benefits		13,287		14,487		3,417		—		31,191
	Provision for loan losses		2,582		—		—		—		2,582
	Other expense		12,094		5,640		1,027		-255		18,506
	Total operating expenses		35,329		21,762		4,444		-1,173		60,362
	Income (loss) before income taxes		2,759		145		-921		—		1,983
	Income tax expense (benefit)		208		40		-344		—		-96
	Net income (loss)		2,551		105		-577		—		2,079
	Preferred stock dividends		332		—		—		—		332
	Net income (loss) available to common shareholders	$	2,219	$	105	$	-577	$	—	$	1,747
	Capital expenditures for the year ended December 31, 2014	$	9,112	$	333	$	353	$	—	$	9,798
	Total assets as of December 31, 2014		1,189,746		101,791		4,031		-185,109		1,110,459
	Goodwill as of December 31, 2014		897		16,882		—		—		17,779
		Commercial
		&
		Retail		Mortgage				Intercompany
	(in thousands)	Banking		Banking		Insurance		Eliminations		Consolidated
	Revenues:
	Interest income	$	25,088	$	2,103	$	—	$	-231	$	26,960
	Gain on loans held for sale		2,853		19,042		—		-415		21,480
	Insurance income		—		—		1,722		—		1,722
	Other income		3,843		1,400		—		—		5,243
	Total operating income		31,784		22,545		1,722		-646		55,405
	Expenses:
	Interest expense		5,014		1,181		—		-646		5,549
	Salaries and employee benefits		12,441		13,017		1,609		—		27,067
	Provision for loan losses		2,260		—		—		—		2,260
	Other expense		9,811		5,081		634		—		15,526
	Total operating expenses		29,526		19,279		2,243		-646		50,402
	Income (loss) before income taxes		2,258		3,266		-521		—		5,003
	Income tax expense (benefit)		5		1,240		-262		—		983
	Net income (loss)		2,253		2,026		-259		—		4,020
	Preferred stock dividends		85		—		—		—		85
	Net income (loss) available to common shareholders	$	2,168	$	2,026	$	-259	$	—	$	3,935
	Capital expenditures for the year ended December 31, 2013	$	5,613	$	489	$	399	$	—	$	6,501
	Total assets as of December 31, 2013		1,021,097		92,290		3,012		-129,339		987,060
	Goodwill as of December 31, 2013		897		16,882		—		—		17,779
	Commercial & Retail Banking
	For the year ended December 31, 2014, the Commercial & Retail Banking segment earned $2.2 million compared to $2.2 million in 2013. Net interest income increased by $4.8 million, mostly the result of average loan balances increasing by $219.7 million. Noninterest income decreased by $866, largely the result of decreased income from portfolio loans held for sale of $1.9 million. This was the result of integrating the mortgage company in mid-2013, as the bank mortgage volume was transferred to the mortgage company. Noninterest expense increased by $3.1 million, mainly the result of the following: $846 increase in salaries expense, $733 increase in occupancy and equipment expense, $340 increase in data processing expense, $330 increase in FDIC expense, $274 increase in consulting expense and $230 increase in legal expense. Loan loss provision also increased by $322 as a result of loan growth.
	Mortgage Banking
	For the year ended December 31, 2014, the Mortgage Banking segment earned $105 compared to earning $2.0 million in 2013. Net interest income increased $334, noninterest income decreased by $1.4 million and noninterest expense increased by $2.0 million. The $1.8 million earnings decrease is mainly due to a 17.1% decrease in origination volume, an increase in personnel expense of $1.5 million due to the addition of seven additional offices and employees to expand the base of operations as the mortgage business becomes more focused on purchase loans and less on the refinance business and the impact of a refinement in accounting estimate of $706 related to interest rate lock commitments.
	Insurance
	For the year ended December 31, 2014, the Insurance segment lost $577 compared to $259 in 2013. Noninterest income increased by $1.8 million and noninterest expense increased by $2.2 million.  Income tax benefit for 2014 increased by $82.

MERGERS_AND_ACQUISITIONS

MERGERS AND ACQUISITIONS	12 Months Ended
	Dec. 31, 2014
MERGERS AND ACQUISITIONS
MERGERS AND ACQUISITIONS	NOTE 22. MERGERS AND ACQUISITIONS
	On July 29, 2014 the Company and its subsidiary, the Bank, had entered into an Purchase and Assumption Agreement (“Agreement”), which was subsequently amended (“Agreement Amendment”) with CFG Community Bank (“CFG Bank”) and its parent, Capital Funding Bancorp, Inc., and affiliates, Capital Finance, LLC and Capital Funding, LLC. The Agreement and the Agreement Amendment, which were subsequently terminated, following the quarter close on October 31, 2014, by a Mutual Termination Agreement (“Mutual Termination Agreement”) among the parties.
	The Agreement and Agreement Amendment provided that the Bank, subject to regulatory approvals, would purchase certain assets and assume certain liabilities of CFG Bank and its subsidiaries for $30 million in consideration, consisting of $26 million in cash and $4 million in shares of Company common stock, subject to certain adjustments; however, under the Mutual Termination Agreement, the Company, CFG Bank, Capital Funding Bancorp, Inc. and the other affiliates of CFG Bank have mutually agreed to terminate the Agreement and Agreement Amendment without any future obligation or liability between or among the parties under the Agreement or Agreement Amendment.  The Bank and CFG Bank, as well as other CFG Bank affiliates, intend to continue a working relationship and may, from time to time, engage in loan transactions and, if applicable, servicing arrangements.
	The following acquisition related costs are included in the consolidated statements of income for the periods indicated (in thousands):
		Year ended		Year ended
		31-Dec-14		31-Dec-13
	Consulting	$	72	$	20
	Advertising		4		2
	Printing, stationery and supplies		9		1
	Legal and accounting fees		111		210
	Equipment depreciation and maintenance		26		—
	Meals and Entertainment		11		2
	Travel		77		53
	Total	$	310	$	288

STOCK_SPLIT

STOCK SPLIT	12 Months Ended
	Dec. 31, 2014
STOCK SPLIT
STOCK SPLIT	NOTE 23. STOCK SPLIT
	Common shares outstanding at December 31, 2014 and 2013, respectively, have been adjusted for the effect of a two for one stock split effected as a stock dividend paid on February 11, 2014

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Basis of Presentation	Basis of Presentation
	The financial statements are consolidated to include the accounts of the Company and its subsidiaries and affiliated businesses, MVB Insurance, LLC, and MVB Bank, Inc. and its wholly-owned subsidiary, MVB Mortgage.  These statements have been prepared in accordance with U.S. generally accepted accounting principles.  All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements.
	In preparing the financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses for the period.  Actual results could differ significantly from those estimates.  Material estimates that are particularly susceptible to significant change relate to determination of the allowance for loan losses, derivative instruments, goodwill and deferred tax assets and liabilities.
Operating Segments	Operating Segments
	An operating segment is defined as a component of an enterprise that engages in business activities that generates revenue and incurs expense, and the operating results of which are reviewed by the chief operating decision maker in the determination of resource allocation and performance.  While the Company’s chief decision makers monitor the revenue streams of the various Company’s products and services, operations are managed and financial performance is evaluated on a Company-wide basis.  Due to the formation of the insurance subsidiary and increased mortgage banking activity, the Company’s business activities include three primary segments: commercial and retail banking, mortgage banking and insurance services.
Cash and Cash Equivalents	Cash and Cash Equivalents
	Cash equivalents include cash on hand, deposits in banks and interest-earning deposits.  Interest-earning deposits with original maturities of 90 days or less are considered cash equivalents. Net cash flows are reported for loans, deposits and short term borrowing transactions.
Management Estimates	Management Estimates
	The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Estimates, such as the allowance for loan losses, are based upon known facts and circumstances.  Estimates are revised by management in the period such facts and circumstances change. Actual results could differ from these estimates.
Loans Held for Sale	Loans Held for Sale
	Through multiple secondary market investors, MVB Mortgage has the ability to offer customers long-term fixed rate and variable rate mortgage products without holding these instruments in the bank’s loan portfolio.  MVB Mortgage values loans held for sale at fair value. Occasionally the Bank will sell portfolio loans and have them classified as loans held for sale. These loans are recorded at lower of cost or market.
Derivative Financial Instruments	Derivative Financial Instruments
	The Company enters into commitments to originate mortgage loans whereby the interest rate on the loan is determined prior to funding (rate lock commitments).  Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives.  The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 30 to 120 days.  The Company protects itself from changes in interest rates through the use of both mandatory delivery arrangements and best efforts forward delivery commitments, whereby the Company commits to sell a loan at the time the borrower commits to an interest rate with the intent that the buyer has assumed interest rate risk on the loan.  As a result, the Company limits the exposure of losses with these arrangements and will not realize significant gains related to its rate lock commitments due to changes in interest rates.  The correlation between the rate lock commitments and the forward sales commitments is very high due to their similarity.
	The fair value of rate lock commitments and forward sales commitments is not readily ascertainable with precision because rate lock commitments and forward sales commitments are not actively traded in stand-alone-markets.  The Company determines the fair value of rate lock commitments and forward sales commitments by measuring the change in the value of the underlying asset while taking into consideration the probability that the rate lock commitments will close. During the fourth quarter 2014, management refined their calculation of interest rate locks to include the cost to originate loans, which resulted in a one-time expense of $706.
Loans and Allowance for Loan Losses	Loans and Allowance for Loan Losses
	Loans are stated at the amount of unpaid principal reduced by an allowance for loan losses.  Loans are considered delinquent when scheduled principal or interest payments are 30 days past due.  Interest income on loans is recognized on an accrual basis.  The allowance for loan losses is maintained at a level deemed adequate to absorb probable losses inherent in the loan portfolio.  The Company consistently applies a quarterly loan review process to continually evaluate loans for changes in credit risk.  This process serves as the primary means by which the Company evaluates the adequacy of the allowance for loan losses, and is based upon periodic review of the collectability of loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions.  This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
	The allowance consists of specific and general components.  The specific component relates to loans that are impaired.  The general component covers non-classified loans and is based upon historical loss experience adjusted for qualitative factors.
	The Company allocates the allowance based on the factors described below, which conform to the Company’s loan classification policy. In reviewing risk within the Bank’s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial and commercial real estate secured loans; (iii) home equity loans; (iv) consumer and other loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages for each loan category are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentages to get the adjusted factor to be applied to non-classified loans on a weighted basis, by risk grade. The following qualitative factors are analyzed:
		·		Lending policies and procedures
		·		Change in volume and severity of past due loans
		·		Nature and volume of the portfolio
		·		Experience and ability of management
		·		Volume and severity of problem credits
		·		Results of loan reviews, audits and exams
		·		National, state, regional and local economic trends and business conditions
		·		General economic conditions
		·		Unemployment rates
		·		Inflation / CPI
		·		Changes in values of underlying collateral for collateral-dependent loans
		·		Value of underlying collateral
		·		Existence and effect of any credit concentrations, and changes in the level of such concentrations
	The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses.
	A loan is considered impaired when, based upon current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and shortages generally are not classified as impaired.  Generally the Company considers impaired loans to include loans classified as non-accrual loans, loans past due for longer than 90 days and troubled debt restructurings.
	Accounting standards require that loan origination and commitment fees and direct loan origination costs be deferred and the net amount amortized as an adjustment of the related loan’s yield.
Troubled Debt Restructurings (TDRs)	Troubled Debt Restructurings (TDRs)
	A restructuring of debt constitutes a TDR if the creditor for economic or legal reasons related to the debtor’s financial difficulties grants a concession to the debtor that it would not otherwise consider.  The determination of whether a concession has been granted includes an evaluation of the debtor’s ability to access funds at a market rate for debt with similar risk characteristics and among other things, the significance of the modification relative to unpaid principal or collateral value of the debt, and/or the significance of a delay in the timing of payments relative to the frequency of payments, original maturity date or the expected duration of the loan.  The most common concessions granted generally include one or more modifications to the terms of the debt such as a reduction in the interest rate for the remaining life of the debt, an extension of the maturity date at an interest rate lower than the current market rate for new debt with similar risk, or reduction of the unpaid principal or interest.  All TDRs are considered impaired loans.
Mortgage Servicing Rights	Mortgage Servicing Rights
	Mortgage servicing rights (MSRs) are recorded when the Bank sells mortgage loans and retains the servicing on those loans.  On a monthly basis, MVB tracks the amount of mortgage loans that are sold with servicing retained.  A valuation is done to determine the MSR’s value, which is then recorded as an asset and amortized over the period of estimated net servicing revenues. The balance of MSR’s is evaluated for impairment quarterly, and was determined not to be impaired at December 31, 2014 or 2013.  Servicing loans for others generally consists of collecting mortgage payments from borrowers, maintaining escrow accounts, remitting payments to third party investors and when necessary, foreclosure processing.  Serviced loans are not included in the Consolidated Balance Sheets.  The amortization taken on the servicing asset for the years ended December 31, 2014 and 2013 was $574 and $369, respectively.  At December 31, 2014 and 2013, total loans serviced for others totaled $322,920 and $248,491, respectively.
Interest Rate Cap	Interest Rate Cap
	The Company has entered into a rate protection transaction through SMBC Capital Markets, Inc. covering the period November 26, 2014 through December 1, 2019. The notional amount is $100 million and 3 month Libor is the underlying rate and the strike price is 3%. The 5 year coverage is broken into 20 quarterly caps. The Company’s fixed cost in the interest rate cap was $1.5 million. The credit support provider must maintain a long-term senior unsecured debt rating of A or better by S&P and A2 or better by Moody’s.
Premises and Equipment	Premises and Equipment
	Premises and equipment are carried at cost less accumulated depreciation.  The provision for depreciation is computed for financial reporting by the straight-line-method based on the estimated useful lives of assets, which range from 7 to 40 years on buildings and leasehold improvements and 3 to 10 years on furniture, fixtures and equipment.
Intangible Assets and Goodwill	Intangible Assets and Goodwill
	The Company tests goodwill for impairment on an annual basis.  If it is determined that the fair value of the reporting unit is less than the carrying value of the unit, the Company would be required to recognize impairment equal to the difference between the fair value and the carrying value.  Based upon this assessment it was determined that goodwill was not impaired at December 31, 2014 or 2013. As of December 31, 2014 and 2013, the Company had goodwill of $17.8 million for both years.
Restricted Bank Stock	Restricted Bank Stock
	The Bank is a member of the FHLB of Pittsburgh and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of December 31, 2014 and 2013, the Bank holds $5,218 and $6,267, respectively. The stock is bought from and sold to the FHB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) A significant decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) the impact of legislative and regulatory changes on the customer base of the FHLB and (d) the liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.  Management considered that the FHLB’s regulatory capital ratios have improved in the most recent quarters, liquidity appears adequate, new shares of FHLB stock continue to exchange hands at the $100 par value and the FHLB has repurchased shares of excess capital stock from its members during 2013 and 2014 and has reinstituted the dividend.
Income Taxes	Income Taxes
	The Company and the Bank file a consolidated federal income tax return.  Deferred tax assets and liabilities are computed based on the difference between the financial statement basis and income tax basis of assets and liabilities using the enacted marginal tax rates.  Deferred income tax expenses or benefits are based on the changes in the net deferred tax asset or liability from period to period.
Stock Based Compensation	Stock Based Compensation
	Compensation cost is recognized for stock options issued to employees, based on the fair value of these awards at the date of grant.   A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.
Foreclosed Assets Held for Resale	Foreclosed Assets Held for Resale
	Foreclosed assets held for resale acquired in satisfaction of mortgage obligations and in foreclosure proceedings are recorded at fair value less estimated selling costs at the time of foreclosure, with any valuation adjustments charged to the allowance for loan losses.  Any gains or losses on sale are then recorded in other non-interest expense.  At December 31, 2014 and 2013, the Company held other real estate of $575 and $375.
Earnings Per Share	Earnings Per Share
	Diluted net income per common share includes any dilutive effects of stock options, and is computed by dividing net income by the average number of common shares outstanding during the period less the preferred stock dividend, adjusted for the dilutive effect of options under the Company’s 2003 and 2013 Stock Incentive Plan.
			For the years ended
			December 31,
	(Dollars in thousands except shares and per share data)		2014		2013
	Numerator for both basic and diluted earnings per share:
	Net Income		$	2,079	$	4,020
	Less: Dividends on preferred stock			332		85
	Net income available to common shareholders		$	1,747	$	3,935
	Denominator:
	Total average shares outstanding			7,905,468		6,657,093
	Effect of dilutive stock options			196,649		281,935
	Total diluted average shares outstanding			8,102,117		6,939,028
	Earnings Per Share - Basic		$	0.22	$	0.59
	Earnings Per Share - Diluted		$	0.22	$	0.57
Comprehensive Income	Comprehensive Income
	Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income.  Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities and minimum pension liability, are reported as a separate component of the equity section of the Consolidated Balance Sheet, such items, along with net income, are components of comprehensive income.
Bank-owned life insurance	Bank-owned life insurance
	Bank-owned life insurance (“BOLI”) represents life insurance on the lives of certain Company employees who have provided positive consent allowing the Company to be the beneficiary of such policies.  These policies are recorded at their cash surrender value, or the amount that can be realized upon surrender of the policy.  Income from these policies is not subject to income taxes and is recorded as other income.
Advertising Costs	Advertising Costs
	Advertising costs are expensed as incurred. Advertising expense was $1.4 million and $1.4 million for 2014 and 2013, respectively.
Transfers of Financial Assets	Transfers of Financial Assets
	Transfers of financial assets are accounted for as sales when control over the assets has been surrendered.  Control over transferred assets is deemed to be surrendered when (i) the assets have been isolated from the company, (ii) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (iii) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Reclassifications	Reclassifications
	Certain amounts in the 2013 financial statements have been reclassified to conform to the 2014 financial statement presentation.
Recent Accounting Pronouncements	Recent Accounting Pronouncements
	In January 2014, the Financial Accounting Standards Board ("FASB") issued Accounting Standard Update ("ASU") No. 2014-04, "Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure." The objective of this guidance is to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. ASU No. 2014-04 states that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, ASU No. 2014-04 requires interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. ASU No. 2014-04 is effective for interim and annual reporting periods beginning after December 15, 2014. The adoption of ASU No. 2014-04 is not expected to have a material impact on MVB Financials Corp’s Consolidated Financial Statements.
	In May 2014, the FASB issued ASU 2014-09, “Revenue from Contracts with Customers,” which will supersede nearly all existing revenue recognition guidance under U.S. GAAP. The core principal of this ASU is that an entity should recognize revenue when it transfers promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. This ASU also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. This ASU will be effective for us in our first quarter of 2018. Early adoption is not permitted. The ASU allows for either full retrospective or modified retrospective adoption. We are evaluating the transition method that will be elected and the potential effects of the adoption of this ASU on our financial statements.
	In June 2014, the FASB issued ASU 2014-12 – Compensation – Stock Compensation (Topic 718): “Accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period,” an update to the accounting standards related to stock compensation and accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period. The amendments clarify the proper method of accounting for share-based payments when the terms of an award provide that a performance target could as a performance condition. The performance target should not be reflected in estimating the grant-date fair value of the award. Compensation cost should be recognized be achieved after the requisite service period. This update requires that a performance target that affects vesting and that could be achieved after the requisite service period be treated in the period in which it becomes probable that the performance target will be achieved and should represent the compensation cost attributable to the period(s) for which the requisite service has already been rendered. The amendments in this update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Earlier adoption is permitted.  Management is currently evaluating the impact of adoption on the consolidated financial statements, but does not believe that adoption will have a material impact.
	In August 2014, the FASB issued ASU No. 2014-14 – Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40): “Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure,’ to address the diversity in practice regarding the classification and measurement of foreclosed loans which were part of a government-sponsored loan guarantee program (e.g. HUD, FHA, VA). The ASU outlines certain criteria that, if met, the loan (residential or commercial) should be derecognized and a separate other receivable should be recorded upon foreclosure at the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. This ASU will be effective for annual reporting periods beginning after December 15, 2014, including interim periods within that reporting period. Early adoption is permitted, provided the entity has adopted ASU 2014-04. The ASU should be adopted either prospectively or on a modified retrospective basis. Management is currently evaluating the impact of adoption on the consolidated financial statements, but does not believe that adoption will have a material impact.
	In August 2014, the FASB issued ASU No. 2014-15 Presentation of Financial Statements – Going Concern (Subtopic 205-40): “Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern,” to reduce diversity in the timing and content of going concern disclosures.  This ASU clarifies management’s responsibility to evaluate and provide related disclosures if there are any conditions or events, as a whole, that raise substantial doubt about the entity’s ability to continue as a going concern for one year after the date the financial statements are issued (or, if applicable, available to be issued). The amendments in this ASU are effective for the annual period ending after December 15, 2016, and for annual and interim periods thereafter. Early application is permitted. Management is currently evaluating the impact of adoption on the consolidated financial statements, but does not believe that adoption will have a material impact.

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Schedule of earnings per share
		For the years ended
		December 31,
	(Dollars in thousands except shares and per share data)	2014		2013
	Numerator for both basic and diluted earnings per share:
	Net Income	$	2,079	$	4,020
	Less: Dividends on preferred stock		332		85
	Net income available to common shareholders	$	1,747	$	3,935
	Denominator:
	Total average shares outstanding		7,905,468		6,657,093
	Effect of dilutive stock options		196,649		281,935
	Total diluted average shares outstanding		8,102,117		6,939,028
	Earnings Per Share - Basic	$	0.22	$	0.59
	Earnings Per Share - Diluted	$	0.22	$	0.57

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2014
INVESTMENT SECURITIES
Schedule of amortized cost and fair values of investment securities held-to-maturity	Amortized cost and fair values of investment securities held-to-maturity at December 31, 2014, including gross unrealized gains and losses, are summarized as follows:
		Amortized		Unrealized		Unrealized		Fair
	(in thousands)	Cost		Gain		Loss		Value
	Municipal securities	$	54,538	$	1,600	$	-267	$	55,871
	Total investment securities held-to-maturity	$	54,538	$	1,600	$	-267	$	55,871
	Amortized cost and fair values of investment securities held-to-maturity at December 31, 2013, including gross unrealized gains and losses, are summarized as follows:
		Amortized		Unrealized		Unrealized		Fair
	(in thousands)	Cost		Gain		Loss		Value
	Municipal securities	$	56,670	$	367	$	-2,919	$	54,118
	Total investment securities held-to-maturity	$	56,670	$	367	$	-2,919	$	54,118
Schedule of amortized cost and fair values of investment securities available-for-sale	Amortized cost and fair values of investment securities available-for-sale at December 31, 2014 are summarized as follows:
		Amortized		Unrealized		Unrealized		Fair
	(in thousands)	Cost		Gain		Loss		Value
	U. S. Agency securities	$	37,926	$	73	$	-465	$	37,534
	U.S. Sponsored Mortgage-backed securities		30,293		58		-419		29,932
	Total debt securities		68,219		131		-884		67,466
	Equity and other securities		670		77		—		747
	Total investment securities available-for-sale	$	68,889	$	208	$	-884	$	68,213
	Amortized cost and fair values of investment securities available-for-sale at December 31, 2013 are summarized as follows:
		Amortized		Unrealized		Unrealized		Fair
	(in thousands)	Cost		Gain		Loss		Value
	U. S. Agency securities	$	60,744	$	—	$	-1,922	$	58,822
	U.S. Sponsored Mortgage-backed securities		47,317		118		-843		46,592
	Total debt securities		108,061		118		-2,765		105,414
	Equity and other securities		810		187		—		997
	Total investment securities available-for-sale	$	108,871	$	305	$	-2,765	$	106,411
Schedule of amortized cost and fair values of debt securities by maturity
		December 31, 2014
		Held to Maturity				Available for sale
		Amortized		Fair		Amortized		Fair
		Cost		Value		Cost		Value
	Within one year	$	—	$	—	$	—	$	—
	After one year, but within five		2,411		2,453		20,185		20,117
	After five years, but within ten		16,564		16,940		22,832		22,534
	After ten Years		35,563		36,478		25,202		24,815
	Total	$	54,538	$	55,871	$	68,219	$	67,466
Schedule of investments in an unrealized loss position	The following table discloses investments in an unrealized loss position at December 31, 2014:
	(in thousands)	Less than 12 months				12 months or more
	Description and			Unrealized				Unrealized
	number of positions	Fair Value		Loss		Fair Value		Loss
	U.S. Agency securities (9)	$	996	$	-3	$	26,900	$	-462
	U.S. Sponsored Mortgage-backed securities (8)		678		-3		14,824		-416
	Municipal securities (42)		528		-3		16,489		-264
		$	2,202	$	-9	$	58,213	$	-1,142
	The following table discloses investments in an unrealized loss position at December 31, 2013:
	(in thousands)	Less than 12 months				12 months or more
	Description and			Unrealized				Unrealized
	number of positions	Fair Value		Loss		Fair Value		Loss
	U.S. Agency securities (19)	$	58,822	$	-1,922	$	—	$	—
	U.S. Sponsored Mortgage-backed securities (18)		14,969		-113		19,781		-730
	Municipal securities (103)		35,502		-2,535		4,471		-384
		$	109,293	$	-4,570	$	24,252	$	-1,114

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Dec. 31, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES
Schedule of components of loans in the Consolidated Balance Sheet
	(in thousands)		2014			2013
	Commercial and non-residential real estate		$	560,752		$	457,388
	Residential real estate			174,507			118,204
	Home equity			45,935			27,797
	Consumer			17,103			18,916
			$	798,297		$	622,305
Summary of the primary segments of the loan portfolio	The following table summarizes the primary segments of the loan portfolio as of December 31, 2014 and 2013 (in thousands):
									Home
			Commercial			Residential			Equity			Consumer			Total
	December 31, 2014
	Individually evaluated for impairment		$	13,782		$	969		$	28		$	2		$	14,781
	Collectively evaluated for impairment			546,970			173,538			45,907			17,101			783,516
	Total Loans		$	560,752		$	174,507		$	45,935		$	17,103		$	798,297
	December 31, 2013
	Individually evaluated for impairment		$	6,254		$	261		$	28		$	93		$	6,636
	Collectively evaluated for impairment			451,134			117,943			27,769			18,823			615,669
	Total Loans		$	457,388		$	118,204		$	27,797		$	18,916		$	622,305
Schedule of impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary	The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary as of December 31, 2014 and 2013 (in thousands):
									Impaired
									Loans with
									No
			Impaired Loans with						Specific
			Specific Allowance						Allowance			Total Impaired Loans
															Unpaid
			Recorded			Related			Recorded			Recorded			Principal
			Investment			Allowance			Investment			Investment			Balance
	December 31, 2014
	Commercial
	Commercial Business		$	—		$	—		$	3,606		$	3,606		$	3,606
	Commercial Real Estate			1,527			260			5,021			6,548			6,548
	Acquisition & Development			273			102			3,355			3,628			4,703
	Total Commercial			1,800			362			11,982			13,782			14,857
	Residential			969			298			—			969			969
	Home Equity			28			28			—			28			28
	Consumer			2			2			—			2			2
	Total impaired loans		$	2,799		$	690		$	11,982		$	14,781		$	15,856
	December 31, 2013
	Commercial
	Commercial Real Estate		$	1,801		$	407		$	120		$	1,921		$	2,199
	Acquisition & Development			4,333			836			—			4,333			4,055
	Total Commercial			6,134			1,243			120			6,254			6,254
	Residential			261			175			—			261			261
	Home Equity			28			28			—			28			28
	Consumer			25			12			68			93			93
	Total impaired loans		$	6,448		$	1,458		$	188		$	6,636		$	6,636
Schedule of the average recorded investment in impaired loans and related interest income recognized	Impaired loans have increased during 2014, but remain at a level that is manageable. The increase is primarily attributed to two loans that have experienced financial adversity as a result of the developments in the respective industries within which they operate, neither of which represents a concentration of any kind in the Bank’s commercial loan portfolio. One loan, with an outstanding balance of $3.6 million is dependent upon the condition of the coal industry, while the other loan, with a balance of $5.0 million, is a commercial real estate property in the Northern Virginia market, which had as primary tenants, government contractors that have vacated the premises as a result of losing significant contracts with the United States government. It is important to note that the commercial real estate loan was purchased from another financial institution in late 2013. It is the Bank’s position that the “Loan Sales Agreement” has been breached by the selling institution and legal recourse is being pursued by the Bank.
	The following table presents the average recorded investment in impaired loans and related interest income recognized for the years ended (in thousands):
			31-Dec-14									31-Dec-13
			Average			Interest			Interest			Average			Interest			Interest
			Investment			Income			Income			Investment			Income			Income
			in Impaired			Recognized on			Recognized on			in Impaired			Recognized on			Recognized on
			Loans			Accrual Basis			Cash Basis			Loans			Accrual Basis			Cash Basis
	Commercial
	Commercial Business		$	301		$	14		$	61		$	—		$	—		$	—
	Commercial Real Estate			2,213			149			105			1,878			38			58
	Acquisition & Development			4,456			112			94			2,360			74			91
	Total Commercial			6,970			275			260			4,238			112			149
	Residential			804			20			20			356			7			6
	Home Equity			28			1			1			2			1			—
	Consumer			20			1			1			19			1			2
	Total		$	7,822		$	297		$	282		$	4,615		$	121		$	157
Schedule of classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system	The following table represents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system as of December 31, 2014 and 2013 (in thousands):
						Special
			Pass			Mention			Substandard			Doubtful			Total
	December 31, 2014
	Commercial
	Commercial Business		$	234,547		$	618		$	3,713		$	—		$	238,878
	Commercial Real Estate			262,215			11,242			7,323			—			280,780
	Acquisition & Development			34,391			3,075			1,496			2,132			41,094
	Total Commercial			531,153			14,935			12,532			2,132			560,752
	Residential			171,395			2,147			965			—			174,507
	Home Equity			45,684			223			28			—			45,935
	Consumer			16,477			624			2			—			17,103
	Total Loans		$	764,709		$	17,929		$	13,527		$	2,132		$	798,297
	December 31, 2013
	Commercial
	Commercial Business		$	196,608		$	5,830		$	26		$	—		$	202,464
	Commercial Real Estate			231,083			2,816			3,306			—			237,205
	Acquisition & Development			9,783			2,920			5,016			—			17,719
	Total Commercial			437,474			11,566			8,348			—			457,388
	Residential			115,283			2,660			261			—			118,204
	Home Equity			27,662			107			28			—			27,797
	Consumer			18,188			635			93			—			18,916
	Total Loans		$	598,607		$	14,968		$	8,730		$	—		$	622,305
Schedule of classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans	The following table presents the classes of the loan portfolio summarized by aging categories of performing loans and nonaccrual loans as of December 31, 2014 and 2013 (in thousands):
												90
						30-59			60-89			Days +			Total							90+ Days
						Days			Days			Past			Past			Total		Non-		Still
			Current			Past Due			Past Due			Due			Due			Loans		Accrual		Accruing
	December 31, 2014
	Commercial
	Commercial Business		$	233,464		$	3,738		$	1,500		$	176		$	5,414		$	238,878	$	107	$	69
	Commercial Real Estate			270,600			234			4,925			5,021			10,180			280,780		—		5,021
	Acquisition & Development			37,739			—			—			3,355			3,355			41,094		3,355		—
	Total Commercial			541,803			3,972			6,425			8,552			18,949			560,752		3,462		5,090
	Residential			167,392			4,478			2,126			511			7,115			174,507		487		216
	Home Equity			45,815			120			—			—			120			45,935		—		—
	Consumer			16,692			411			—			—			411			17,103		—		—
	Total		$	771,702		$	8,981		$	8,551		$	9,063		$	26,595		$	798,297	$	3,949	$	5,306
	December 31, 2013
	Commercial
	Commercial Business		$	202,275		$	139		$	24		$	26		$	189		$	202,464	$	26	$	—
	Commercial Real Estate			236,870			77			—			258			335			237,205		258		—
	Acquisition & Development			17,719			—			—			—			—			17,719		—		—
	Total Commercial			456,864			216			24			284			524			457,388		284		—
	Residential			116,150			1,401			193			460			2,054			118,204		30		430
	Home Equity			27,741			28			—			28			56			27,797		—		28
	Consumer			18,747			92			—			77			169			18,916		76		1
	Total		$	619,502		$	1,737		$	217		$	849		$	2,803		$	622,305	$	390	$	459
Schedule of activity in the allowance	Activity in the allowance is presented for the periods indicated (in thousands):
									Home
			Commercial			Residential			Equity			Consumer			Total
	ALL balance at December 31, 2013		$	3,609		$	519		$	554		$	253		$	4,935
	Charge-offs			-1,110			-130			—			-68			-1,308
	Recoveries			7			—			3			4			14
	Provision			1,857			573			134			18			2,582
	ALL balance at December 31, 2014		$	4,363		$	962		$	691		$	207		$	6,223
	Individually evaluated for impairment		$	362		$	298		$	28		$	2		$	690
	Collectively evaluated for impairment		$	4,001		$	664		$	663		$	205		$	5,533
									Home
			Commercial			Residential			Equity			Consumer			Total
	ALL balance at December 31, 2012		$	3,107		$	514		$	242		$	213		$	4,076
	Charge-offs			-1,458			-38			—			-33			-1,529
	Recoveries			57			60			10			1			128
	Provision			1,903			-17			302			72			2,260
	ALL balance at December 31, 2013		$	3,609		$	519		$	554		$	253		$	4,935
	Individually evaluated for impairment		$	1,243		$	175		$	28		$	12		$	1,458
	Collectively evaluated for impairment		$	2,366		$	344		$	526		$	241		$	3,477
Schedule of loans identified as Troubled Debt Restructurings
			December 31, 2014								December 31, 2013
					Pre-			Post-					Pre-			Post-
					Modification			Modification					Modification			Modification
			Number		Outstanding			Outstanding			Number		Outstanding			Outstanding
			of		Recorded			Recorded			of		Recorded			Recorded
	(Dollars in thousands)		Contracts		Investment			Investment			Contracts		Investment			Investment
	Commercial
	Commercial Business		1		$	3,606		$	3,606		2		$	119		$	119
	Commercial Real Estate		1			496			300		1			352			250
	Acquisition and Development		—			—			—		3			4,349			4,333
	Total Commercial		2			4,102			3,906		6			4,820			4,702
	Residential Real Estate		1			389			382		—			—			—
	Home Equity		—			—			—		1			28			28
	Consumer		—			—			—		3			8			6
	Total		3		$	4,491		$	4,288		10		$	4,856		$	4,736
		-1		The pre-modification and post-modification balances represent the balances outstanding immediately before and after modification of the loan.

PREMISES_AND_EQUIPMENT_Tables

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2014
PREMISES AND EQUIPMENT
Schedule of premises and equipment
	(in thousands)	2014		2013
	Land	$	3,006	$	1,976
	Buildings and improvements		14,351		7,755
	Furniture, fixtures and equipment		9,126		7,000
	Construction in progress		3,669		4,154
	Leasehold improvements		1,734		1,203
			31,886		22,088
	Accumulated depreciation		-6,414		-5,169
	Net premises and equipment	$	25,472	$	16,919

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2014
DEPOSITS
Schedule of deposits
	(in thousands)	2014		2013
	Demand deposits of individuals, partnerships, and corporations
	Non-interest bearing demand	$	67,066	$	63,336
	Interest bearing demand		431,896		320,420
	Savings and money markets		87,715		70,902
	Time deposits including CDs and IRAs		236,550		241,153
	Total deposits	$	823,227	$	695,811
	Time deposits that meet or exceed the FDIC insurance limit	$	23,257	$	22,358
Schedule of maturities of time deposits	Maturities of time deposits at December 31, 2014 were as follows (in thousands):
	2015	$	159,508
	2016		42,679
	2017		6,157
	2018		12,312
	2019		15,894
	Total	$	236,550

BORROWED_FUNDS_Tables

BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2014
BORROWED FUNDS
Schedule of information related to short-term borrowings and repurchase agreements
	(Dollars in thousands)	2014			2013
	Balance at end of year	$	95,829		$	98,028
	Average balance during the year		76,185			55,686
	Maximum month-end balance		120,229			98,028
	Weighted-average rate during the year		0.27	%		0.25	%
	Rate at December 31		0.32	%		0.25	%
Schedule of borrowings from the FHLB
	(Dollars in thousands)	2014			2013
	Fixed interest rate notes, originating between April 2002 and December 2007, due between July 2016 and April 2022, interest of between 4.50% and 5.90% payable monthly	$	4,618		$	5,759
	Amortizing fixed interest rate note, originating February 2007, due February 2022, payable in monthly installments of $5, including interest of 5.22%		840			860
		$	5,458		$	6,619
Schedule of maturities of borrowings over the next five years	A summary of maturities of borrowings and subordinated debt over the next five years is as follows:
	(dollars in thousands)
	Year	Amount
	2015		95,998
	2016		1,246
	2017		1,470
	2018		81
	2019		85
	Thereafter		35,931
		$	134,811

COMMITMENTS_AND_CONTINGENT_LIA1

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2014
COMMITMENTS AND CONTINGENT LIABILITIES
Schedule of total contractual amounts of the commitments
	(in thousands)	2014		2013
	Available on lines of credit	$	142,209	$	89,956
	Stand-by letters of credit		4,748		680
	Other loan commitments		993		1,681
		$	147,950	$	92,317

INCOME_TAXES_Tables

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2014
INCOME TAXES
Schedule of the provisions for income taxes
	(in thousands)	2014		2013
	Current:
	Federal	$	862	$	216
	State		124		273
		$	986	$	489
	Deferred expense (benefit)
	Federal	$	-1,017	$	464
	State		-65		30
			-1,082		494
	Income tax expense (benefit)	$	-96	$	983
Schedule of reconciliation of income taxes at federal statutory rates to recorded income taxes
		2014				2013
	(Dollars in thousands)	Amount		%		Amount		%
	Tax at Federal tax rate	$	674	34	%	$	1,701	34	%
	Tax effect of:
	State income tax		50	2.5	%		125	2.5	%
	Tax exempt earnings		-820	-41.3	%		-839	-16.8	%
	Other		—	0	%		-4	0	%
		$	-96	-4.8	%	$	983	19.7	%
Schedule of deferred income tax assets and (liabilities)	Deferred income tax assets and (liabilities) were comprised of the following at December  31 (in thousands):
		2014		2013
	Allowance for loan losses	$	2,292	$	1,263
	Minimum pension liability		1,491		990
	Unrealized gain on securities available-for-sale		271		984
	Gross deferred tax assets		4,054		3,237
	Depreciation		-705		-747
	Pension		-10		-22
	Goodwill		-446		-446
	Gross deferred tax liabilities		-1,161		-1,215
	Net deferred tax asset	$	2,893	$	2,022

RELATED_PARTY_TRANSACTIONS_Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2014
RELATED PARTY TRANSACTIONS
Summary of the related loan activity
		Balance at								Balance
		Beginning								at end
	(in thousands)	of Year		Borrowings		Retirement		Repayments		of Year
	December 31, 2014	$	18,090	$	4,834	$	-514	$	-1,782	$	20,628
	December 31, 2013	$	23,571	$	3,090	$	-7,723	$	-848	$	18,090

PENSION_PLAN_Tables

PENSION PLAN (Tables)	12 Months Ended
	Dec. 31, 2014
PENSION PLAN
Schedule of information pertaining to the activity in the Company's defined benefit plan, using the latest available actuarial valuations
	(in thousands)	2014			2013
	Change in benefit obligation
	Benefit obligation at beginning of year	$	6,492		$	5,798
	Service cost		346			651
	Interest cost		306			247
	Actuarial loss		2,194			-65
	Assumption changes		1,270			—
	Curtailment impact		-2,299			—
	Benefits paid		-136			-139
	Benefit obligation at end of year	$	8,173		$	6,492
	Change in plan assets:
	Fair value of plan assets at beginning of year	$	4,071		$	3,366
	Actual return on plan assets		96			435
	Employer contribution		440			409
	Benefits paid		-136			-139
	Fair value of plan assets at end of year	$	4,471		$	4,071
	Funded status	$	-3,702		$	-2,421
	Unrecognized net actuarial loss		3,727			2,475
	Unrecognized prior service cost		—			—
	Prepaid pension cost recognized	$	25		$	54
	Accumulated benefit obligation	$	8,173		$	4,983
Schedule of weighted average assumptions used to determine the benefit obligation
		2014		2013
	Discount rate	3.90	%	4.86	%
	Rate of compensation increase	n/a	%	3.00	%
Schedule of components of net periodic pension cost	The components of net periodic pension cost are as follows (in thousands):
	Service cost	$	346		$	651
	Interest cost		306			247
	Expected return on plan assets		-319			-271
	Amortization of prior service costs		—			2
	Amortization of loss		136			186
	Net periodic pension cost	$	469		$	815
Schedule of weighted average assumptions used to determine net periodic pension cost
		2014		2013
	Discount rate	4.86	%	4.31	%
	Expected long-term rate of return on plan assets	7.50	%	7.46	%
	Rate of compensation increase	n/a	%	3.00	%
Schedule of Company's pension plan asset allocations as well as target allocations for 2014
		12/31/14		12/31/13
	Plan Assets
	Cash	9	%	7	%
	Fixed income	27	%	28	%
	Alternative investments	15	%	12	%
	Domestic equities	32	%	33	%
	Foreign equities	16	%	17	%
	Real estate inv. trusts (REITs)	1	%	3	%
	Total	100	%	100	%
Schedule of the plan's assets at fair value by level, within the fair value hierarchy	The following table sets forth by level, within the fair value hierarchy, as defined in Note 18 - Fair Value Measurements, the Plan’s assets at fair value as of December 31, 2014.
	(in thousands)	Level I			Level II		Level III		Total
	Assets:
	Cash	$	402		$	—		—		402
	Fixed income		1,207			—		—		1,207
	Alternative investments		—			671		—		671
	Domestic equities		1,431			—		—		1,431
	Foreign equities		715			—		—		715
	Real estate inv. Trusts		45			—		—		45
	Total assets at fair value	$	3,800		$	671	$	—	$	4,471
	The fair value of MVB’s pension plan assets at December 31, 2013 by asset class are as follows:
	The following table sets forth by level, within the fair value hierarchy, as defined in Note 18 - Fair Value Measurements, the Plan’s assets at fair value as of December 31, 2013.
	(in thousands)	Level I			Level II		Level III		Total
	Assets:
	Cash	$	285		$	—		—		285
	Fixed income		1,140			—		—		1,140
	Alternative investments		—			489		—		489
	Domestic equities		1,343			—		—		1,343
	Foreign equities		692			—		—		692
	Real estate inv. Trusts		122			—		—		122
	Total assets at fair value	$	3,582		$	489	$	—	$	4,071
Schedule of the best estimate of the plan contribution for next fiscal year and the benefits expected to be paid in each of the next five fiscal years, and in the aggregate for the five fiscal years thereafter
	(in thousands)	Cash Flow
	Contributions for the period of 01/01/15 through 12/31/15	$	338
	Estimated future benefit payments reflecting expected future service
	2015	$	221
	2016	$	229
	2017	$	252
	2018	$	258
	2019	$	277
	2020 through 2024	$	1,718

STOCK_OPTIONS_Tables

STOCK OPTIONS (Tables)	12 Months Ended
	Dec. 31, 2014
STOCK OPTIONS
Summary of the entity's stock options and the changes	The following summarizes MVB’s stock options as of and for the year ended December 31, 2014, and the changes for the year then ended:
				Weighted-
		Number		Average
		of		Exercise
		Shares		Price
	Outstanding at beginning of year	1,091,410		$	11.20
	Granted	288,495			15.99
	Exercised	-6,400			9.90
	Forfeited/expired	-17,600			11.66
	Outstanding at end of year	1,355,905		$	12.2
	Exercisable at end of year	543,870		$	9.6
	Weighted-average fair value of options granted during 2014			$	3.05
	Weighted-average fair value of options granted during 2013			$	1.71
Summary of information related to the total outstanding and exercisable options	The following summarizes information related to the total outstanding and exercisable options at December 31, 2014:
	Options Outstanding						Options Exercisable
		Weighted-				Weighted-		Weighted-			Weighted-
		Average				Average		Average			Average
	Total	Exercise			Intrinsic	Remaining	Total	Exercise		Intrinsic	Remaining
	Options	Price			Value	Life	Options	Price		Value	Life
	1,355,905	$	12.2		3,771,104	6.73	543,870	$	9.6	2,949,958	4.24

REGULATORY_CAPITAL_REQUIREMENT1

REGULATORY CAPITAL REQUIREMENTS (Tables)	12 Months Ended
	Dec. 31, 2014
REGULATORY CAPITAL REQUIREMENTS
Schedule of both the Company's and the Bank's actual capital amounts and ratios
										MINIMUM
						MINIMUM				FOR CAPITAL
						TO BE WELL				ADEQUACY
		ACTUAL				CAPITALIZED				PURPOSES
	(Dollars in thousands)	AMOUNT		RATIO		AMOUNT		RATIO		AMOUNT		RATIO
	As of December 31, 2014
	Total Capital (to risk-weighted assets)
	Consolidated	$	133,780	16.4	%		N/A	N/A		$	65,249	8.0	%
	Subsidiary Bank	$	124,725	15.4	%	$	81,125	10.0	%	$	64,900	8.0	%
	Tier I Capital (to risk-weighted assets)
	Consolidated	$	98,158	12.0	%		N/A	N/A		$	32,625	4.0	%
	Subsidiary Bank	$	118,503	14.6	%	$	48,675	6.0	%	$	32,450	4.0	%
	Tier I Capital (to average assets)
	Consolidated	$	98,158	9.0	%		N/A	N/A		$	41,480	4.0	%
	Subsidiary Bank	$	118,503	10.8	%	$	54,682	5.0	%	$	43,746	4.0	%
	As of December 31, 2013
	Total Capital (to risk-weighted assets)
	Consolidated	$	84,361	12.9	%		N/A	N/A		$	52,175	8.0	%
	Subsidiary Bank	$	86,028	13.2	%	$	65,262	10.0	%	$	52,209	8.0	%
	Tier I Capital (to risk-weighted assets)
	Consolidated	$	79,342	12.2	%		N/A	N/A		$	26,087	4.0	%
	Subsidiary Bank	$	81,009	12.4	%	$	39,157	6.0	%	$	26,105	4.0	%
	Tier I Capital (to average assets)
	Consolidated	$	79,342	8.9	%		N/A	N/A		$	35,840	4.0	%
	Subsidiary Bank	$	81,009	9.0	%	$	44,800	5.0	%	$	35,840	4.0	%

LEASES_Tables

LEASES (Tables)	12 Months Ended
	Dec. 31, 2014
LEASES
Schedule of future minimum lease payments required under operating leases that have initial or remaining non-cancelable lease terms in excess of one year	Following is a schedule by year of future minimum lease payments required under operating leases that have initial or remaining non-cancelable lease terms in excess of one year as of December 31, 2014:
		(in thousands)
	Years ended December 31:
	2015	$	1,770
	2016		1,666
	2017		992
	2018		674
	2019		244
	Thereafter		590
	Total minimum payments required:	$	5,936

FAIR_VALUE_OF_FINANCIAL_INSTRU1

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2014
FAIR VALUE OF FINANCIAL INSTRUMENTS
Schedule of carrying values and estimated fair values of the Company's financial instruments	The carrying values and estimated fair values of the Company’s financial instruments are summarized as follows (in thousands):
	Fair Value Measurements at
						Quoted
						Prices
						in Active		Significant
						Markets for		Other		Significant
				Estimated		Identical		Observable		Unobservable
		Carrying		Fair		Assets		Inputs		Inputs
	December 31, 2014	Value		Value		(Level 1)		(Level 2)		(Level 3)
	Financial assets:
	Cash and cash equivalents	$	30,077	$	30,077	$	30,077	$	—	$	—
	Certificates of deposits with other banks		11,907		12,035		—		12,035		—
	Securities available-for-sale		68,213		68,213		77		68,136
	Securities held-to-maturity		54,538		55,871		—		55,871		—
	Loans held for sale		69,527		69,527				69,527
	Loans, net		792,074		803,036		—		—		803,036
	Mortgage servicing rights		1,423		1,423						1,423
	Interest rate lock commitment		1,020		1,020		—		—		1,020
	Interest rate cap		1,423		1,423		—		1,423		—
	Accrued interest receivable		2,387		2,387		—		728		1,659
	Financial liabilities:
	Deposits	$	823,227	$	824,078	$	—	$	824,078	$	—
	Repurchase agreements		32,673		32,673		—		32,673		—
	FHLB and other borrowings		101,287		101,338		—		101,338		—
	Forward sales commitments		431		431		—		431		—
	Accrued interest payable		376		376		—		376		—
	Subordinated debt		33,524		31,172		—		31,172		—
	December 31, 2013
	Financial assets:
	Cash and cash equivalents	$	39,843	$	39,843	$	39,843	$	—	$	—
	Certificates of deposits		9,427		9,616		—		9,616		—
	Securities available-for-sale		106,411		106,411		187		106,224		—
	Securities held-to-maturity		56,670		54,118		—		54,118		—
	Loans held for sale		90,061		90,061		—		90,061		—
	Loans, net		617,370		620,295		—		—		620,295
	Mortgage servicing rights		1,417		1,417		—		—		1,417
	Interest rate lock commitment		1,081		1,081		—		—		1,081
	Forward sales commitments		316		316		—		316		—
	Accrued interest receivable		2,764		2,764		—		2,764		—
	Financial liabilities:
	Deposits	$	695,811	$	697,301	$	—	$	697,301	$	—
	Repurchase agreements		81,578		81,578		—		81,578		—
	FHLB and other borrowings		104,647		104,742		—		104,742		—
	Accrued interest payable		327		327		—		327		—
	Subordinated debt		4,124		4,124		—		4,124		—

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Dec. 31, 2014
Recurring
Fair value of assets and liabilities
Schedule of assets measured at fair value
			December 31, 2014
	(in thousands)		Level I			Level II		Level III		Total
	U.S. Agency Securities		$	—	$	37,534	$	—		$	37,534
	U.S. Sponsored Mortgage backed Securities			—		29,932		—			29,932
	Equity and Other Securities			77		670		—			747
	Loans held for sale			—		69,527		—			69,527
	Interest rate lock commitment			—		—		1,020			1,020
	Interest rate cap			—		1,423		—			1,423
	Forward sales commitments			—		-431		—			-431
			December 31, 2013
	(in thousands)		Level I		Level II		Level III		Total
	U.S. Agency Securities	$	—	$	58,822	$	—	$	58,822
	U.S. Sponsored Mortgage backed Securities		—		46,592		—		46,592
	Equity and Other Securities		187		810		—		997
	Loans held for sale		—		90,061		—		90,061
	Interest rate lock commitment		—		—		1,081		1,081
	Forward sales commitments		—		316		—		316
Non-recurring
Fair value of assets and liabilities
Schedule of assets measured at fair value	Assets measured at fair value on a nonrecurring basis as of December 31, 2014 and 2013 are included in the table below (in thousands):
			December 31, 2014
			Level I			Level II			Level III			Total
	Impaired loans		$	—		$	—		$	14,091		$	14,091
	Other real estate owned			—			—			575			575
	Mortgage servicing rights			—			—			1,423			1,423
			December 31, 2013
			Level I			Level II			Level III			Total
	Impaired loans		$	—		$	—		$	5,178		$	5,178
	Other real estate owned			—			—			375			375
	Mortgage servicing rights			—			—			1,417			1,417
Schedule of quantitative information about assets measured at fair value on a non-recurring basis
			Quantitative Information about Level 3 Fair Value Measurements
	(Dollars in thousands)					Valuation		Unobservable
	December 31, 2014		Fair Value			Technique		Input		Range
	Impaired loans		$	14,091		Appraisal of collateral (1)		Appraisal adjustments (2)		20% - 30%
								Liquidation expense (2)		5% - 10%
	Other real estate owned		$	575		Appraisal of collateral (1)		Appraisal adjustments (2)		20% - 30%
								Liquidation expense (2)		5% - 10%
	Mortgage servicing rights		$	1,423		Discounted cash flows		Constant prepayment rate		12%
								Cost of service		0.25%
								Discount rate		12%
			Quantitative Information about Level 3 Fair Value Measurements
	(Dollars in thousands)					Valuation		Unobservable
	December 31, 2013		Fair Value			Technique		Input		Range
	Impaired loans		$	5,178		Appraisal of collateral (1)		Appraisal adjustments (2)		20% - 30%
								Liquidation expense (2)		5% - 10%
	Other real estate owned		$	375		Appraisal of collateral (1)		Appraisal adjustments (2)		20% - 30%
								Liquidation expense (2)		5% - 10%
	Mortgage servicing rights		$	1,417		Discounted     cash flows		Constant prepayment rate		12%
								Cost of service		0.25%
								Discount rate		12%
		-1		Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.
		-2		Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.

COMPREHENSIVE_INCOME_Tables

COMPREHENSIVE INCOME (Tables)	12 Months Ended
	Dec. 31, 2014
COMPREHENSIVE INCOME
Schedule of reclassifications from other comprehensive income (AOCI) components	The following tables present the components of accumulated other comprehensive income (“AOCI”) for the year ended December 31, 2014 (in thousands):
		2014		2013
		Amount		Amount
		Reclassified		Reclassified		Affected line item in the Statement where net
	Details about AOCI Components	from AOCI		from AOCI		income is presented
	Available-for-sale securities
	Unrealized holding gains	$	413	$	145	Gain on sale of securities
			413		145	Total before tax
			-165		-58	Income tax expense
			248		87	Net of tax
	Defined benefit pension plan items
	Change in defined benefit pension plan		-208		188	Salaries and benefits
			-208		188	Total before tax
			83		-75	Income tax expense
			-125		113	Net of tax
	Total reclassifications	$	123	$	200
Schedule of the components of accumulated OCI
		Unrealized
		gains (losses)
		on available-		Defined benefit
		for-sale		pension plan
	(in thousands)	securities		items		Total
	Balance at January 1, 2014	$	-1,476	$	-1,485	$	-2,961
	Other comprehensive loss before reclassification		822		-626		196
	Amounts reclassified from AOCI		248		-125		123
	Net current period OCI		1,070		-751		319
	Balance at December 31, 2014	$	-406	$	-2,236	$	-2,642
	Balance at January 1, 2013	$	240	$	-1,735	$	-1,495
	Other comprehensive loss before reclassification		-1,803		137		-1,666
	Amounts reclassified from AOCI		87		113		200
	Net current period OCI		-1,716		250		-1,466
	Balance at December 31, 2013	$	-1,476	$	-1,485	$	-2,961

CONDENSED_FINANCIAL_STATEMENTS1

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY (Tables)	12 Months Ended
	Dec. 31, 2014
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY
Schedule of balance sheets
		December 31
	(in thousands)	2014		2013
	Condensed Balance Sheets
	Assets
	Cash	$	5,528	$	362
	Investment in subsidiaries		135,633		97,164
	Other assets		2,334		717
	Total assets	$	143,495	$	98,243
	Liabilities and stockholders’ equity
	Other liabilities	$	533	$	97
	Long-term debt		33,524		4,124
	Total liabilities		34,057		4,221
	Total stockholders’ equity		109,438		94,022
	Total liabilities and stockholders’ equity	$	143,495	$	98,243
Schedule of statements of income
		Year ended December 31,
	(in thousands)	2014		2013
	Condensed Statements of Income
	Income - dividends from bank subsidiary	$	3,112	$	2,666
	Expenses - operating		2,972		499
	Income before income taxes and undistributed earnings		140		2,167
	Income tax (benefit)		-992		-190
	Income after tax (benefit)		1,132		2,357
	Equity in undistributed income earnings of subsidiaries		947		1,663
	Net income	$	2,079	$	4,020
	Preferred dividends	$	332	$	85
	Net income available to common shareholders’	$	1,747	$	3,935
	Other comprehensive income	$	319	$	-1,466
	Comprehensive income	$	2,398	$	2,554
Schedule of statements of cash flows
	(in thousands)	2014		2013
	Condensed Statements of Cash Flows
	OPERATING ACTIVITIES
	Net income	$	2,079	$	4,020
	Equity in undistributed earnings of subsidiaries		-947		-1,663
	Increase in other assets		-1,778		-340
	Increase in other liabilities		436		57
	Stock option expense		321		196
	Net cash provided by operating activities		111		2,950
	INVESTING ACTIVITIES
	Investment in subsidiary		-37,042		-26,469
	Net cash used in investing activities		-37,042		-26,469
	FINANCING ACTIVITIES
	Proceeds of stock offering		5,588		23,109
	Dividend reinvestment plan		180		913
	Proceeds from subordinated debt		29,400		—
	Preferred stock issuance		7,834		—
	Common stock options exercised		63		323
	Cash dividends paid on common stock		-636		-537
	Cash dividends paid on preferred stock		-332		-85
	Net cash provided by financing activities		42,097		23,723
	Increase in cash		5,166		204
	Cash at beginning of period		362		158
	Cash at end of period	$	5,528	$	362

SEGMENT_REPORTING_Tables

SEGMENT REPORTING (Tables)	12 Months Ended
	Dec. 31, 2014
SEGMENT REPORTING
Schedule of information about the reportable segments and reconciliation to the consolidated financial statements
		Commercial
		&
		Retail		Mortgage				Intercompany
	(in thousands)	Banking		Banking		Insurance		Eliminations		Consolidated
	Revenues:
	Interest income	$	32,258	$	2,891	$	—	$	1,265	$	36,414
	Gain on loans held for sale		900		18,691		—		-1,199		18,392
	Insurance income		—		—		3,523		—		3,523
	Other income		4,930		325		—		-1,239		4,016
	Total operating income		38,088		21,907		3,523		-1,173		62,345
	Expenses:
	Interest expense		7,366		1,635		—		-918		8,083
	Salaries and employee benefits		13,287		14,487		3,417		—		31,191
	Provision for loan losses		2,582		—		—		—		2,582
	Other expense		12,094		5,640		1,027		-255		18,506
	Total operating expenses		35,329		21,762		4,444		-1,173		60,362
	Income (loss) before income taxes		2,759		145		-921		—		1,983
	Income tax expense (benefit)		208		40		-344		—		-96
	Net income (loss)		2,551		105		-577		—		2,079
	Preferred stock dividends		332		—		—		—		332
	Net income (loss) available to common shareholders	$	2,219	$	105	$	-577	$	—	$	1,747
	Capital expenditures for the year ended December 31, 2014	$	9,112	$	333	$	353	$	—	$	9,798
	Total assets as of December 31, 2014		1,189,746		101,791		4,031		-185,109		1,110,459
	Goodwill as of December 31, 2014		897		16,882		—		—		17,779
		Commercial
		&
		Retail		Mortgage				Intercompany
	(in thousands)	Banking		Banking		Insurance		Eliminations		Consolidated
	Revenues:
	Interest income	$	25,088	$	2,103	$	—	$	-231	$	26,960
	Gain on loans held for sale		2,853		19,042		—		-415		21,480
	Insurance income		—		—		1,722		—		1,722
	Other income		3,843		1,400		—		—		5,243
	Total operating income		31,784		22,545		1,722		-646		55,405
	Expenses:
	Interest expense		5,014		1,181		—		-646		5,549
	Salaries and employee benefits		12,441		13,017		1,609		—		27,067
	Provision for loan losses		2,260		—		—		—		2,260
	Other expense		9,811		5,081		634		—		15,526
	Total operating expenses		29,526		19,279		2,243		-646		50,402
	Income (loss) before income taxes		2,258		3,266		-521		—		5,003
	Income tax expense (benefit)		5		1,240		-262		—		983
	Net income (loss)		2,253		2,026		-259		—		4,020
	Preferred stock dividends		85		—		—		—		85
	Net income (loss) available to common shareholders	$	2,168	$	2,026	$	-259	$	—	$	3,935
	Capital expenditures for the year ended December 31, 2013	$	5,613	$	489	$	399	$	—	$	6,501
	Total assets as of December 31, 2013		1,021,097		92,290		3,012		-129,339		987,060
	Goodwill as of December 31, 2013		897		16,882		—		—		17,779

MERGERS_AND_ACQUISITIONS_Table

MERGERS AND ACQUISITIONS (Tables)	12 Months Ended
	Dec. 31, 2014
MERGERS AND ACQUISITIONS
Schedule of acquisition related costs included in consolidated statements of income	The following acquisition related costs are included in the consolidated statements of income for the periods indicated (in thousands):
		Year ended		Year ended
		31-Dec-14		31-Dec-13
	Consulting	$	72	$	20
	Advertising		4		2
	Printing, stationery and supplies		9		1
	Legal and accounting fees		111		210
	Equipment depreciation and maintenance		26		—
	Meals and Entertainment		11		2
	Travel		77		53
	Total	$	310	$	288

SUMMARY_OF_SIGNIFICANT_ACCOUNT3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	12 Months Ended	3 Months Ended
	Dec. 31, 2014	Sep. 30, 2013	Dec. 31, 2013	Dec. 31, 2012
	item			item
Operating Segments
Number of operating segments	3
Bank
Business and Organization
Number of full-service banking branches operated	9
Bank | LSP
Business and Organization
Percentage of interest acquired			50.00%
MVB Mortgage
Business and Organization
Number of mortgage only offices				11
LSP
Business and Organization
Percentage of interest after reduction through a sale of a partial interest		25.00%

SUMMARY_OF_SIGNIFICANT_ACCOUNT4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Additional Information (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Loans and Allowance for Loan Losses
Period past due for loans to be considered as delinquent	30 days
Minimum period loans are past due as condition for determining whether impaired	90 days
Mortgage Servicing Rights
Amortization on the servicing asset	$574,000	$369,000
Loans serviced for others	322,920,000	248,491,000
Mortgage Banking
Derivative Financial Instruments
Revision in accounting estimate	706,000
Minimum
Derivative Financial Instruments
Period between issuance of a loan commitment and closing and sale of the loan	30 days
Maximum
Derivative Financial Instruments
Period between issuance of a loan commitment and closing and sale of the loan	120 days
Interest rate cap
Interest rate cap
Notional amount	100,000,000
Transaction term	5 years
Number of quarterly caps	20
Fixed cost	$1,500,000
Interest rate cap | LIBOR
Interest rate cap
Description of variable rate basis	3 month Libor
Strike price	3.00%

SUMMARY_OF_SIGNIFICANT_ACCOUNT5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Additional Information 2 (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Intangible Assets and Goodwill
Goodwill	17,779	$17,779
Buildings and leasehold improvements | Minimum
Premises and Equipment
Estimated useful lives	7 years
Buildings and leasehold improvements | Maximum
Premises and Equipment
Estimated useful lives	40 years
Furniture, fixtures and equipment | Minimum
Premises and Equipment
Estimated useful lives	3 years
Furniture, fixtures and equipment | Maximum
Premises and Equipment
Estimated useful lives	10 years

SUMMARY_OF_SIGNIFICANT_ACCOUNT6

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Additional Information 3 (Details) (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Foreclosed Assets Held for Resale
Other real estate	$575	$375
Numerator for both basic and diluted earnings per share:
Net Income	2,079	4,020
Less: Dividends on preferred stock	332	85
Net Income available to common shareholders	1,747	3,935
Denominator:
Total average shares outstanding	7,905,468	6,657,093
Effect of dilutive stock options (in shares)	196,649	281,935
Total diluted average shares outstanding	8,102,117	6,939,028
Earnings Per Share - Basic (in dollars per share)	$0.22	$0.59
Earnings Per Share - Diluted (in dollars per share)	$0.22	$0.57
Advertising Costs
Advertising expense	1,437	1,444
Bank
Summary of significant accounting policies
FHLB stock	$5,218	$6,267
FHLB stock par value (in dollars per share)	$100

INVESTMENT_SECURITIES_Heldtoma

INVESTMENT SECURITIES - Held-to-maturity (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Amortized cost and fair values of investment securities held-to-maturity
Amortized Cost	$54,538	$56,670
Unrealized Gain	1,600	367
Unrealized Loss	-267	-2,919
Securities held-to-maturity, fair value	55,871	54,118
Municipal securities
Amortized cost and fair values of investment securities held-to-maturity
Amortized Cost	54,538	56,670
Unrealized Gain	1,600	367
Unrealized Loss	-267	-2,919
Securities held-to-maturity, fair value	$55,871	$54,118

INVESTMENT_SECURITIES_Availabl

INVESTMENT SECURITIES - Available-for-sale (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Amortized cost and fair values of investment securities available-for-sale
Amortized Cost	$68,889	$108,871
Unrealized Gain	208	305
Unrealized Loss	-884	-2,765
Fair Value	68,213	106,411
Debt Securities [Member]
Amortized cost and fair values of investment securities available-for-sale
Amortized Cost	68,219	108,061
Unrealized Gain	131	118
Unrealized Loss	-884	-2,765
Fair Value	67,466	105,414
U.S. Agency securities
Amortized cost and fair values of investment securities available-for-sale
Amortized Cost	37,926	60,744
Unrealized Gain	73
Unrealized Loss	-465	-1,922
Fair Value	37,534	58,822
U.S. Sponsored Mortgage backed securities
Amortized cost and fair values of investment securities available-for-sale
Amortized Cost	30,293	47,317
Unrealized Gain	58	118
Unrealized Loss	-419	-843
Fair Value	29,932	46,592
Equity and other securities
Amortized cost and fair values of investment securities available-for-sale
Amortized Cost	670	810
Unrealized Gain	77	187
Fair Value	$747	$997

INVESTMENT_SECURITIES_Summary_

INVESTMENT SECURITIES - Summary of maturities (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Held to Maturity, Amortized Cost
After one year, but within five	$2,411
After five years, but within ten	16,564
After ten Years	35,563
Total	54,538
Held to Maturity, Approximate Fair Value
After one year, but within five	2,453
After five years, but within ten	16,940
After ten Years	36,478
Total	55,871	54,118
Available for sale, Amortized Cost
After one year, but within five	20,185
After five years, but within ten	22,832
After ten Years	25,202
Total	68,219
Available for sale, Fair Value
After one year, but within five	20,117
After five years, but within ten	22,534
After ten Years	24,815
Fair Value	67,466
Carrying value of investment securities pledged	$118,734	$152,193

INVESTMENT_SECURITIES_Summary_1

INVESTMENT SECURITIES - Summary of unrealized loss positions (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Fair Value, AFS and HTM
Less than 12 months, Fair Value	$2,202	$109,293
12 months or more, Fair Value	58,213	24,252
Unrealized Loss, AFS and HTM
Less than 12 months, Unrealized Loss	-9	-4,570
12 months or more, Unrealized Loss	-1,142	-1,114
Available-for-sale Securities
Sales of investment securities available-for-sale	61,299	15,237
Gains on the sale of investments available-for-sale	553	145
Losses on the sale of investments available-for-sale	140	0
Total temporary impairment	1,151
U.S. Agency securities
Description and number of positions
Number of investments in an unrealized loss position, AFS	9	19
Fair Value, AFS
Less than 12 months, Fair Value	996	58,822
12 months or more, Fair Value	26,900
Unrealized Loss, AFS
Less than 12 months, Unrealized Loss	-3	-1,922
12 months or more, Unrealized Loss	-462
U.S. Sponsored Mortgage backed securities
Description and number of positions
Number of investments in an unrealized loss position, AFS	8	18
Fair Value, AFS
Less than 12 months, Fair Value	678	14,969
12 months or more, Fair Value	14,824	19,781
Unrealized Loss, AFS
Less than 12 months, Unrealized Loss	-3	-113
12 months or more, Unrealized Loss	-416	-730
Municipal securities
Description and number of positions
Number of investments in an unrealized loss position, HTM	42	103
Fair Value, HTM
Less than 12 months, Fair Value	528	35,502
12 months or more, Fair Value	16,489	4,471
Unrealized Loss, HTM
Less than 12 months, Unrealized Loss	-3	-2,535
12 months or more, Unrealized Loss	($264)	($384)

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES - Loan Summary (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Components of loans
Proceeds of loans sold	$882,158	$1,040,367
Gains on loans held for sale	18,392	21,480
Total Loans	798,297	622,305
Net deferred fees and costs	1,365	1,462
Commercial and non-residential real estate
Components of loans
Total Loans	560,752	457,388
Residential real estate
Components of loans
Total Loans	174,507	118,204
Home Equity
Components of loans
Total Loans	45,935	27,797
Consumer
Components of loans
Total Loans	$17,103	$18,916

LOANS_AND_ALLOWANCE_FOR_LOAN_L3

LOANS AND ALLOWANCE FOR LOAN LOSSES - Primary Segments (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Primary segments of the loan portfolio:
Individually evaluated for impairment	$14,781	$6,636
Collectively evaluated for impairment	783,516	615,669
Total Loans	798,297	622,305
Commercial
Primary segments of the loan portfolio:
Individually evaluated for impairment	13,782	6,254
Collectively evaluated for impairment	546,970	451,134
Total Loans	560,752	457,388
Residential
Primary segments of the loan portfolio:
Individually evaluated for impairment	969	261
Collectively evaluated for impairment	173,538	117,943
Total Loans	174,507	118,204
Home Equity
Primary segments of the loan portfolio:
Individually evaluated for impairment	28	28
Collectively evaluated for impairment	45,907	27,769
Total Loans	45,935	27,797
Consumer
Primary segments of the loan portfolio:
Individually evaluated for impairment	2	93
Collectively evaluated for impairment	17,101	18,823
Total Loans	$17,103	$18,916

LOANS_AND_ALLOWANCE_FOR_LOAN_L4

LOANS AND ALLOWANCE FOR LOAN LOSSES - Impaired Loans by Class (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
	item
Impaired loans by class
Impaired Loans with Specific Allowance, Recorded Investment	$2,799,000	$6,448,000
Impaired Loans with Specific Allowance, Related Allowance	690,000	1,458,000
Impaired Loans with No Specific Allowance, Recorded Investment	11,982,000	188,000
Total Impaired Loans, Recorded Investment	14,781,000	6,636,000
Total Impaired Loans, Unpaid Principal Balance	15,856,000	6,636,000
Impaired loans, additional information
Number of impaired loans, increase related	2
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	7,822,000	4,615,000
Interest income recognized on an accrual basis on impaired loans	297,000	121,000
Interest income recognized on a cash basis on impaired loans	282,000	157,000
Commercial
Impaired loans by class
Impaired Loans with Specific Allowance, Recorded Investment	1,800,000	6,134,000
Impaired Loans with Specific Allowance, Related Allowance	362,000	1,243,000
Impaired Loans with No Specific Allowance, Recorded Investment	11,982,000	120,000
Total Impaired Loans, Recorded Investment	13,782,000	6,254,000
Total Impaired Loans, Unpaid Principal Balance	14,857,000	6,254,000
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	6,970,000	4,238,000
Interest income recognized on an accrual basis on impaired loans	275,000	112,000
Interest income recognized on a cash basis on impaired loans	260,000	149,000
Commercial Business
Impaired loans by class
Impaired Loans with No Specific Allowance, Recorded Investment	3,606,000
Total Impaired Loans, Recorded Investment	3,606,000
Total Impaired Loans, Unpaid Principal Balance	3,606,000
Impaired loans, additional information
Impaired loans, increase related, outstanding balance	3,600,000
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	301,000
Interest income recognized on an accrual basis on impaired loans	14,000
Interest income recognized on a cash basis on impaired loans	61,000
Commercial Real Estate
Impaired loans by class
Impaired Loans with Specific Allowance, Recorded Investment	1,527,000	1,801,000
Impaired Loans with Specific Allowance, Related Allowance	260,000	407,000
Impaired Loans with No Specific Allowance, Recorded Investment	5,021,000	120,000
Total Impaired Loans, Recorded Investment	6,548,000	1,921,000
Total Impaired Loans, Unpaid Principal Balance	6,548,000	2,199,000
Impaired loans, additional information
Impaired loans, increase related, outstanding balance	5,000,000
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	2,213,000	1,878,000
Interest income recognized on an accrual basis on impaired loans	149,000	38,000
Interest income recognized on a cash basis on impaired loans	105,000	58,000
Acquisition & Development
Impaired loans by class
Impaired Loans with Specific Allowance, Recorded Investment	273,000	4,333,000
Impaired Loans with Specific Allowance, Related Allowance	102,000	836,000
Impaired Loans with No Specific Allowance, Recorded Investment	3,355,000
Total Impaired Loans, Recorded Investment	3,628,000	4,333,000
Total Impaired Loans, Unpaid Principal Balance	4,703,000	4,055,000
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	4,456,000	2,360,000
Interest income recognized on an accrual basis on impaired loans	112,000	74,000
Interest income recognized on a cash basis on impaired loans	94,000	91,000
Residential
Impaired loans by class
Impaired Loans with Specific Allowance, Recorded Investment	969,000	261,000
Impaired Loans with Specific Allowance, Related Allowance	298,000	175,000
Total Impaired Loans, Recorded Investment	969,000	261,000
Total Impaired Loans, Unpaid Principal Balance	969,000	261,000
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	804,000	356,000
Interest income recognized on an accrual basis on impaired loans	20,000	7,000
Interest income recognized on a cash basis on impaired loans	20,000	6,000
Home Equity
Impaired loans by class
Impaired Loans with Specific Allowance, Recorded Investment	28,000	28,000
Impaired Loans with Specific Allowance, Related Allowance	28,000	28,000
Total Impaired Loans, Recorded Investment	28,000	28,000
Total Impaired Loans, Unpaid Principal Balance	28,000	28,000
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	28,000	2,000
Interest income recognized on an accrual basis on impaired loans	1,000	1,000
Interest income recognized on a cash basis on impaired loans	1,000
Consumer
Impaired loans by class
Impaired Loans with Specific Allowance, Recorded Investment	2,000	25,000
Impaired Loans with Specific Allowance, Related Allowance	2,000	12,000
Impaired Loans with No Specific Allowance, Recorded Investment		68,000
Total Impaired Loans, Recorded Investment	2,000	93,000
Total Impaired Loans, Unpaid Principal Balance	2,000	93,000
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	20,000	19,000
Interest income recognized on an accrual basis on impaired loans	1,000	1,000
Interest income recognized on a cash basis on impaired loans	$1,000	$2,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L5

LOANS AND ALLOWANCE FOR LOAN LOSSES - Internal Risk Rating (Details) (USD $)	12 Months Ended
	Dec. 31, 2014
	item
Average recorded investment in impaired loans and related interest income recognized
Number of points in internal risk rating system	9
Number of categories in internal risk rating system considered as not criticized	6
Minimum threshold for performing annual review of commercial relationship	$1,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES - Internal Risk Rating Summary (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	$798,297	$622,305
Pass
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	764,709	598,607
Special Mention
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	17,929	14,968
Substandard
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	13,527	8,730
Doubtful
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	2,132
Commercial
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	560,752	457,388
Commercial | Pass
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	531,153	437,474
Commercial | Special Mention
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	14,935	11,566
Commercial | Substandard
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	12,532	8,348
Commercial | Doubtful
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	2,132
Commercial Business
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	238,878	202,464
Commercial Business | Pass
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	234,547	196,608
Commercial Business | Special Mention
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	618	5,830
Commercial Business | Substandard
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	3,713	26
Commercial Real Estate
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	280,780	237,205
Commercial Real Estate | Pass
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	262,215	231,083
Commercial Real Estate | Special Mention
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	11,242	2,816
Commercial Real Estate | Substandard
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	7,323	3,306
Acquisition & Development
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	41,094	17,719
Acquisition & Development | Pass
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	34,391	9,783
Acquisition & Development | Special Mention
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	3,075	2,920
Acquisition & Development | Substandard
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	1,496	5,016
Acquisition & Development | Doubtful
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	2,132
Residential
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	174,507	118,204
Residential | Pass
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	171,395	115,283
Residential | Special Mention
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	2,147	2,660
Residential | Substandard
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	965	261
Home Equity
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	45,935	27,797
Home Equity | Pass
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	45,684	27,662
Home Equity | Special Mention
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	223	107
Home Equity | Substandard
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	28	28
Consumer
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	17,103	18,916
Consumer | Pass
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	16,477	18,188
Consumer | Special Mention
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	624	635
Consumer | Substandard
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	$2	$93

LOANS_AND_ALLOWANCE_FOR_LOAN_L7

LOANS AND ALLOWANCE FOR LOAN LOSSES - Aging (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
	item
Aging categories of performing loans and nonaccrual loans
Current	$771,702	$619,502
30-59 Days Past Due	8,981	1,737
60-89 Days Past Due	8,551	217
90 Days + Past Due	9,063	849
Total Past Due	26,595	2,803
Total Loans	798,297	622,305
Non-Accrual	3,949	390
90 Days+ Still Accruing	5,306	459
Increased amount of interest income on loans	221	47
Number of rolling quarters utilized by Commercial, Residential, Home Equity, Installment and Credit Card pools	12
Commercial
Aging categories of performing loans and nonaccrual loans
Current	541,803	456,864
30-59 Days Past Due	3,972	216
60-89 Days Past Due	6,425	24
90 Days + Past Due	8,552	284
Total Past Due	18,949	524
Total Loans	560,752	457,388
Non-Accrual	3,462	284
90 Days+ Still Accruing	5,090
Commercial Business
Aging categories of performing loans and nonaccrual loans
Current	233,464	202,275
30-59 Days Past Due	3,738	139
60-89 Days Past Due	1,500	24
90 Days + Past Due	176	26
Total Past Due	5,414	189
Total Loans	238,878	202,464
Non-Accrual	107	26
90 Days+ Still Accruing	69
Commercial Real Estate
Aging categories of performing loans and nonaccrual loans
Current	270,600	236,870
30-59 Days Past Due	234	77
60-89 Days Past Due	4,925
90 Days + Past Due	5,021	258
Total Past Due	10,180	335
Total Loans	280,780	237,205
Non-Accrual		258
90 Days+ Still Accruing	5,021
Acquisition & Development
Aging categories of performing loans and nonaccrual loans
Current	37,739	17,719
90 Days + Past Due	3,355
Total Past Due	3,355
Total Loans	41,094	17,719
Non-Accrual	3,355
Residential
Aging categories of performing loans and nonaccrual loans
Current	167,392	116,150
30-59 Days Past Due	4,478	1,401
60-89 Days Past Due	2,126	193
90 Days + Past Due	511	460
Total Past Due	7,115	2,054
Total Loans	174,507	118,204
Non-Accrual	487	30
90 Days+ Still Accruing	216	430
Home Equity
Aging categories of performing loans and nonaccrual loans
Current	45,815	27,741
30-59 Days Past Due	120	28
90 Days + Past Due		28
Total Past Due	120	56
Total Loans	45,935	27,797
90 Days+ Still Accruing		28
Consumer
Aging categories of performing loans and nonaccrual loans
Current	16,692	18,747
30-59 Days Past Due	411	92
90 Days + Past Due		77
Total Past Due	411	169
Total Loans	17,103	18,916
Non-Accrual		76
90 Days+ Still Accruing		$1

LOANS_AND_ALLOWANCE_FOR_LOAN_L8

LOANS AND ALLOWANCE FOR LOAN LOSSES - Allowance (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Changes in the allowance for loan losses
Balance at beginning of period	$4,935,000	$4,076,000
Charge-offs	-1,308,000	-1,529,000
Recoveries	14,000	128,000
Provision	2,582,000	2,260,000
Balance at end of period	6,223,000	4,935,000
Individually evaluated for impairment	690,000	1,458,000
Collectively evaluated for impairment	5,533,000	3,477,000
Loans acquired, purchase price		76,052,000
Commercial
Changes in the allowance for loan losses
Balance at beginning of period	3,609,000	3,107,000
Charge-offs	-1,110,000	-1,458,000
Recoveries	7,000	57,000
Provision	1,857,000	1,903,000
Balance at end of period	4,363,000	3,609,000
Individually evaluated for impairment	362,000	1,243,000
Collectively evaluated for impairment	4,001,000	2,366,000
Loans acquired, purchase price	74,300,000
Loans acquired, premium paid		1,800,000
Loans acquired, outstanding balance	51,300,000
Loans acquired, outstanding balance, decrease	23,000,000
Loans acquired, refinanced	15,700,000
Loans acquired, sold in participation	2,900,000
Loans acquired, remaining portfolio, weighted average yield	5.66%
Residential
Changes in the allowance for loan losses
Balance at beginning of period	519,000	514,000
Charge-offs	-130,000	-38,000
Recoveries		60,000
Provision	573,000	-17,000
Balance at end of period	962,000	519,000
Individually evaluated for impairment	298,000	175,000
Collectively evaluated for impairment	664,000	344,000
Home Equity
Changes in the allowance for loan losses
Balance at beginning of period	554,000	242,000
Recoveries	3,000	10,000
Provision	134,000	302,000
Balance at end of period	691,000	554,000
Individually evaluated for impairment	28,000	28,000
Collectively evaluated for impairment	663,000	526,000
Consumer
Changes in the allowance for loan losses
Balance at beginning of period	253,000	213,000
Charge-offs	-68,000	-33,000
Recoveries	4,000	1,000
Provision	18,000	72,000
Balance at end of period	207,000	253,000
Individually evaluated for impairment	2,000	12,000
Collectively evaluated for impairment	$205,000	$241,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L9

LOANS AND ALLOWANCE FOR LOAN LOSSES - Troubled Debt Restructings (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
	contract	contract
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Specific reserve allocations for TDR's	$582	$1,400
Number of Contracts	3	10
Pre-Modification Outstanding Recorded Investment	4,491	4,856
Post-Modification Outstanding Recorded Investment	4,288	4,736
Commercial
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts	2	6
Pre-Modification Outstanding Recorded Investment	4,102	4,820
Post-Modification Outstanding Recorded Investment	3,906	4,702
Commercial Business
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts	1	2
Pre-Modification Outstanding Recorded Investment	3,606	119
Post-Modification Outstanding Recorded Investment	3,606	119
Commercial Real Estate
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts	1	1
Pre-Modification Outstanding Recorded Investment	496	352
Post-Modification Outstanding Recorded Investment	300	250
Acquisition & Development
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts		3
Pre-Modification Outstanding Recorded Investment		4,349
Post-Modification Outstanding Recorded Investment		4,333
Residential real estate
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts	1
Pre-Modification Outstanding Recorded Investment	389
Post-Modification Outstanding Recorded Investment	382
Home Equity
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts		1
Pre-Modification Outstanding Recorded Investment		28
Post-Modification Outstanding Recorded Investment		28
Consumer
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts		3
Pre-Modification Outstanding Recorded Investment		8
Post-Modification Outstanding Recorded Investment		$6

PREMISES_AND_EQUIPMENT_Details

PREMISES AND EQUIPMENT (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Premises and equipment
Premises and equipment, gross	$31,886	$22,088
Accumulated depreciation	-6,414	-5,169
Premises and equipment, net	25,472	16,919
Depreciation	1,245	936
Land
Premises and equipment
Premises and equipment, gross	3,006	1,976
Buildings and improvements
Premises and equipment
Premises and equipment, gross	14,351	7,755
Furniture, fixtures and equipment
Premises and equipment
Premises and equipment, gross	9,126	7,000
Construction in progress
Premises and equipment
Premises and equipment, gross	3,669	4,154
Leasehold improvements
Premises and equipment
Premises and equipment, gross	$1,734	$1,203

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Demand deposits of individuals, partnerships, and corporations
Non-interest bearing demand	$67,066	$63,336
Interest bearing demand	431,896	320,420
Savings and money markets	87,715	70,902
Time deposits including CDs and IRAs	236,550	241,153
Total Deposits	823,227	695,811
Time deposits of over $100 included above	23,257	22,358
Maturities of time deposits
2015	159,508
2016	42,679
2017	6,157
2018	12,312
2019	15,894
Total	$236,550	$241,153

BORROWED_FUNDS_Shortterm_borro

BORROWED FUNDS - Short-term borrowings and Repurchase Agreements (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Borrowed funds
Remaining maximum borrowing capacity with the FHLB	$257,982
Federal Home Loan Bank and Other Borrowings	101,287	104,647
Short-term borrowings from FHLB
Short-term borrowings and Repurchase Agreements
Balance at end of year	95,829	98,028
Average balance during the year	76,185	55,686
Maximum month-end balance	120,229	98,028
Weighted-average rate during the year	0.27%	0.25%
Rate at the end of the period	0.32%	0.25%
Repurchase agreements
Short-term borrowings and Repurchase Agreements
Balance at end of year	32,673	81,578
Average balance during the year	55,731	80,166
Maximum month-end balance	$83,781	$81,578
Weighted-average rate during the year	0.52%	0.71%
Rate at the end of the period	0.35%	0.65%

BORROWED_FUNDS_Term_notes_from

BORROWED FUNDS - Term notes from the FHLB (Details) (USD $)	24 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Borrowed funds
Borrowings from the FHLB	$5,458	$6,619
Interest rate on debt security (as a percent)	7.00%
Fixed interest rate note, originating between April 1999 and December 2007, due between April 2014 and April 2022
Borrowed funds
Borrowings from the FHLB	4,618	5,759
Fixed interest rate note, originating between April 1999 and December 2007, due between April 2014 and April 2022 | Minimum
Borrowed funds
Interest rate on debt security (as a percent)	4.50%
Fixed interest rate note, originating between April 1999 and December 2007, due between April 2014 and April 2022 | Maximum
Borrowed funds
Interest rate on debt security (as a percent)	5.90%
Amortizing fixed interest rate note, originating February 2007, due February 2022
Borrowed funds
Borrowings from the FHLB	840	860
Interest rate on debt security (as a percent)	5.22%
Monthly installments	$5

BORROWED_FUNDS_Subordinated_De

BORROWED FUNDS - Subordinated Debt (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Mar. 31, 2007	Jun. 30, 2014
Subordinated Debentures
Borrowed funds	$33,524,000	$4,124,000
Interest expense on borrowed funds	1,142,000	79,000
Interest rate on debt security (as a percent)	7.00%
Convertible Subordinated Promissory Notes Due 2024
Subordinated Debentures
Debt Instrument Period From Issuance That Issuer May Prepay Debt	5 years
Subordinated Debt
Subordinated Debentures
Face amount of debt issued			4,000,000
Variable rate basis spread (as a percent)	1.62%
Debt instrument interest rate description	three month LIBOR Rate
Borrowed funds	33,500,000	4,100,000
Interest expense on borrowed funds	1,100,000	79,000
Subordinated Debt | Convertible Subordinated Promissory Notes Due 2024
Subordinated Debentures
Face amount of debt issued				29,400,000
Debt Instrument Face Amount Of Incremental Issue				100,000
Debt Instrument Minimum Investment Required				1,000,000
Term of debt instrument	10 years
Debt Instrument Convertible Threshold Consecutive Trading Days After First Second Third Fourth And Fifth Anniversaries Of Issuance Or Prepayment Notice	30 days
Debt Instrument, Convertible, Conversion Price	$32
Debt Instrument Convertible Notice Period Of Intent To Prepay	20 days
Debt Instrument Threshold Amount Of New Senior Debt Issuance That Issuer Must Obtain Holder Consent	15,000,000
Debt Instrument, Redemption Price, Percentage	100.00%
Debt Instrument Redemption Period From Issuance	5 years
Subordinated Debt | Convertible Subordinated Promissory Notes Due 2024 | LIBOR
Subordinated Debentures
Debt Instrument Basis Spread On Variable Rate After Fifth Anniversary	5.00%
Debt Instrument Maximum Interest Rate Stated Percentage After Fifth Anniversary	9.00%
Subordinated Debt | Convertible Subordinated Promissory Notes Due 2024 | Debtholder Investments Less Than Three Million Dollars [Member]
Subordinated Debentures
Debt Instrument Investment Amount Of Holder	3,000,000
Debt Instrument Minimum Ownership Of Common Stock As Percentage Of Principal Acquired	30.00%
Subordinated Debt | Convertible Subordinated Promissory Notes Due 2024 | Debtholder Investments Of Three Million Dollars Or Greater [Member]
Subordinated Debentures
Debt Instrument Investment Amount Of Holder	3,000,000
Debt Instrument Minimum Ownership Of Common Stock As Percentage Of Principal Acquired	30.00%
Interest rate on debt security (as a percent)	7.50%
Subordinated Debt | Convertible Subordinated Promissory Notes Due 2024 | Debtholder Investments Of Ten Million Dollars Or Greater [Member]
Subordinated Debentures
Debt Instrument Investment Amount Of Holder	$10,000,000
Interest rate on debt security (as a percent)	7.00%

BORROWED_FUNDS_Summary_of_Matu

BORROWED FUNDS - Summary of Maturities (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Maturities of borrowings over the next five years
2015	$95,998
2016	1,246
2017	1,470
2018	81
2019	85
Thereafter	35,931
Total	134,811
Parent Company
Maturities of borrowings over the next five years
Total	$33,524	$4,124

COMMITMENTS_AND_CONTINGENT_LIA2

COMMITMENTS AND CONTINGENT LIABILITIES (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial Instruments with Off-Balance-Sheet Risk
Total contractual amounts of the commitments	$147,950	$92,317
Average balance maintained in accordance with Federal Reserve Board requirements	16,768	7,986
Available on lines of credit
Financial Instruments with Off-Balance-Sheet Risk
Total contractual amounts of the commitments	142,209	89,956
Stand-by letters of credit
Financial Instruments with Off-Balance-Sheet Risk
Total contractual amounts of the commitments	4,748	680
Other loan commitments
Financial Instruments with Off-Balance-Sheet Risk
Total contractual amounts of the commitments	$993	$1,681

INCOME_TAXES_Details

INCOME TAXES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Current:
Federal	$862	$216
State	124	273
Total current	986	489
Deferred expense(benefit)
Federal	-1,017	464
State	-65	30
Total deferred expense(benefit)	-1,082	494
Income tax (benefit) expense	-96	983
Reconciliation of income taxes at federal statutory rates to recorded income taxes, Amount
Tax at Federal tax rate	674	1,701
Tax effect of:
State income tax	50	125
Tax exempt earnings	-820	-839
Other		-4
Income tax (benefit) expense	-96	983
Reconciliation of income taxes at federal statutory rates to recorded income taxes, %
Tax at Federal tax rate (as a percent)	34.00%	34.00%
Tax effect of:
State income tax (as a percent)	2.50%	2.50%
Tax exempt earnings (as a percent)	-41.30%	-16.80%
Other (as a percent)	0.00%	0.00%
Total (as a percent)	-4.80%	19.70%
Deferred income tax assets and (liabilities)
Allowance for loan losses	2,292	1,263
Minimum pension liability	1,491	990
Unrealized gain on securities available-for-sale	271	984
Gross deferred tax assets	4,054	3,237
Depreciation	-705	-747
Pension	-10	-22
Goodwill	-446	-446
Gross deferred tax liabilities	-1,161	-1,215
Net deferred tax asset	2,893	2,022
Deferred income tax valuation allowance	0
Liability for uncertain tax positions	0
Unrecognized tax benefits	0
Parent Company
Deferred expense(benefit)
Income tax (benefit) expense	-992	-190
Tax effect of:
Income tax (benefit) expense	($992)	($190)

RELATED_PARTY_TRANSACTIONS_Det

RELATED PARTY TRANSACTIONS (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Related loan activity
Balance at Beginning of Year	$18,090,000	$23,571,000
Borrowings	4,834,000	3,090,000
Retirement	-514,000	-7,723,000
Repayments	-1,782,000	-848,000
Balance at end of Year	20,628,000	18,090,000
Related party deposits	6,900,000	4,600,000
Related party repurchase agreements	$0	$1,500,000

PENSION_PLAN_Summary_of_activi

PENSION PLAN - Summary of activity (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	31-May-14
PENSION PLAN
Discount rate used to re-measure pension obligation (as a percent)	3.90%	4.86%	4.46%
Adjustment to pension cost resulting from freezing of plan	$347
Change in benefit obligation
Benefit obligation at beginning of year	6,492	5,798
Service cost	346	651
Interest cost	306	247
Actuarial loss	2,194	-65
Assumption changes	1,270
Curtailment impact	-2,299
Benefits paid	-136	-139
Benefit obligation at end of year	8,173	6,492
Change in plan assets:
Fair value of plan assets at beginning of year	4,071	3,366
Actual return on plan assets	96	435
Employer contribution	440	409
Benefits paid	-136	-139
Fair value of plan assets at end of year	4,471	4,071
Funded status	-3,702	-2,421
Unrecognized net actuarial loss	3,727	2,475
Prepaid pension cost recognized	25	54
Accumulated benefit obligation	$8,173	$4,983

PENSION_PLAN_Weighted_Average_

PENSION PLAN - Weighted Average Assumptions and Net Periodic Pension Cost (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	31-May-14
Weighted average assumptions used to determine the benefit obligation
Discount rate (as a percent)	3.90%	4.86%	4.46%
Rate of compensation increase (as a percent)		3.00%
Components of net periodic pension cost
Service cost	$346	$651
Interest cost	306	247
Expected return on plan assets	-319	-271
Amortization of prior service costs		2
Amortization of loss	136	186
Net periodic pension cost	$469	$815
Weighted average assumptions used to determine net periodic pension cost
Discount rate (as a percent)	4.86%	4.31%
Expected long-term rate of return on plan assets (as a percent)	7.50%	7.46%
Rate of compensation increase (as a percent)		3.00%

PENSION_PLAN_Plan_Asset_Alloca

PENSION PLAN - Plan Asset Allocations (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Pension plan asset allocations as well as target allocations for 2014
Total (as a percent)	100.00%	100.00%
Net transition obligation (asset), prior service cost (credit), and estimated net loss (gain) for the plan that are expected to be amortized from accumulated other comprehensive income into net periodic benefit cost over the next fiscal year
Estimated net loss (gain) for the plan expected to be amortized from accumulated other comprehensive income into net periodic benefit cost over the next fiscal year	$257
Cash
Pension plan asset allocations as well as target allocations for 2014
Total (as a percent)	9.00%	7.00%
Fixed income
Pension plan asset allocations as well as target allocations for 2014
Total (as a percent)	27.00%	28.00%
Alternative investments
Pension plan asset allocations as well as target allocations for 2014
Total (as a percent)	15.00%	12.00%
Domestic equities
Pension plan asset allocations as well as target allocations for 2014
Total (as a percent)	32.00%	33.00%
Foreign equities
Pension plan asset allocations as well as target allocations for 2014
Total (as a percent)	16.00%	17.00%
Real estate inv. Trusts (REITs)
Pension plan asset allocations as well as target allocations for 2014
Total (as a percent)	1.00%	3.00%

PENSION_PLAN_Plan_Asset_FV_and

PENSION PLAN - Plan Asset FV and Est. Future Contrib. (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	$4,471	$4,071	$3,366
Best estimate of the plan contribution for next fiscal year
Contributions for the period of 01/01/14 through 12/31/14	338
Estimated future benefit payments reflecting expected future service
2015	221
2016	229
2017	252
2018	258
2019	277
2020 through 2024	1,718
Level I
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	3,800	3,582
Level II
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	671	489
Total
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	4,471	4,071
Cash | Level I
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	402	285
Cash | Total
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	402	285
Fixed income | Level I
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	1,207	1,140
Fixed income | Total
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	1,207	1,140
Alternative investments | Level II
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	671	489
Alternative investments | Total
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	671	489
Domestic equities | Level I
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	1,431	1,343
Domestic equities | Total
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	1,431	1,343
Foreign equities | Level I
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	715	692
Foreign equities | Total
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	715	692
Real estate inv. Trusts (REITs) | Level I
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	45	122
Real estate inv. Trusts (REITs) | Total
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	$45	$122

INTANGIBLE_ASSETS_Details

INTANGIBLE ASSETS (Details) (USD $)	0 Months Ended
	Oct. 07, 2005	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Intangible assets
Goodwill		$17,779,000	$17,779,000
Service office in the Charles Town area
Intangible assets
Assets	1,800,000
Deposits	17,100,000
Goodwill	897,000
Service office in the Charles Town area | Core deposit intangibles
Intangible assets
Amortization period	10 years
Original amount of intangible assets	128,000
Accumulated amortization		127,000
Amount remaining to be amortized		1,000
PMG
Intangible assets
Goodwill				$16,900,000

STOCK_OFFERING_Details

STOCK OFFERING (Details) (USD $)	12 Months Ended		0 Months Ended	3 Months Ended	9 Months Ended	0 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Jun. 30, 2014	Mar. 31, 2013	Sep. 30, 2013	Sep. 08, 2011
Stock offering
Number of shares issued	9,283	8,500
Stock offering in process	$5,588	$23,109
SBLF capital received	7,834
Preferred stock, par value (in dollars per share)	$1,000	$1,000
Proceeds from issuance of shares under dividend reinvestment plan	180	913
Series B Preferred Stock
Stock offering
Number of shares issued			400
Dividend rate (as a percent)			6.00%
Period from first, second, third, fourth, and fifth anniversary of original issue date that stock may be convertible			30 days
Series C Preferred Stock
Stock offering
Number of shares issued			383
Dividend rate (as a percent)			6.50%
Period from first, second, third, fourth, and fifth anniversary of original issue date that stock may be convertible			30 days
Conversion price (in dollars per share)			16
Common Class A
Stock offering
Stock offering (in shares)		610,194		2,265,054	361,865
Stock offering in process		9,800		27,100	5,800
Preferred Class A
Stock offering
Dividend rate (as a percent)	1.00%
Stock offering (in shares)						8,500
SBLF capital received						8,500
Preferred stock, par value (in dollars per share)						$1,000
Preferred Class A | Through 8 March 2016
Stock offering
Dividend rate (as a percent)	1.00%
Preferred Class A | After 8 March 2016
Stock offering
Dividend rate (as a percent)	9.00%
Parent Company
Stock offering
SBLF capital received	$7,834

STOCK_OPTIONS_Activity_Details

STOCK OPTIONS - Activity (Details) (USD $)	12 Months Ended		24 Months Ended	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2014	Dec. 31, 2010
Stock options
Total compensation expense	$321	$196
Common stock options exercised	63	323
Stock option
Stock options
Shares authorized for issuance	2,200,000		2,200,000
Shares available for issuance	887,895		887,895
Common stock options exercised		323
Number of Shares
Outstanding at beginning of year (in shares)	1,091,410
Granted (in shares)	288,495
Exercised (in shares)	-6,400
Forfeited/expired (in shares)	-17,600
Outstanding at end of year (in shares)	1,355,905	1,091,410	1,355,905
Exercisable at end of year (in shares)	543,870		543,870
Weighted-Average Exercise Price
Outstanding at beginning of year (in dollars per share)	$11.20
Granted (in dollars per share)	$15.99
Exercised (in dollars per share)	$9.90
Forfeited/expired (in dollars per share)	$11.66
Outstanding at end of year (in dollars per share)	$12.20	$11.20	$12.20
Exercisable at end of year (in dollars per share)	$9.60		$9.60
Additional disclosure
Weighted-average fair value of options granted during the year (in dollars per share)	$3.05	$1.71
Intrinsic value of options exercised	$37	$413
Assumptions used to estimate the fair value of the options at the date of grant
Average risk-free interest rates (as a percent)	2.65%	2.08%
Weighted average expected life			7 years
Expected volatility of the entity's stock price (as a percent)	10.23%	6.70%
Expected dividend yield (as a percent)			50.00%
Stock option | Awards granted in 2005
Stock options
Expiration term	10 years
Stock option | Awards granted in 2006, 2010, 2011, 2012 and 2013 | Awards other than 22,000 granted in 2010
Stock options
Vesting period	5 years
Expiration term	10 years
Stock option | Awards granted in 2006, 2010, 2011, 2012 and 2013 | 22,000 shares granted in 2010
Stock options
Vesting period	3 years
Expiration term	10 years
Number of Shares
Granted (in shares)				22,000

STOCK_OPTIONS_Outstanding_and_

STOCK OPTIONS - Outstanding and Exercisable (Details) (Stock option, USD $)	12 Months Ended
	Dec. 31, 2014
Options Outstanding Weighted-Average Exercise Price
Information concerning stock options outstanding
Options Outstanding (in shares)	1,355,905
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$12.20
Options Outstanding, Intrinsic Value	$3,771,104
Options Outstanding, Weighted- Average Remaining Life	6 years 8 months 23 days
Options Exercisable Weighted-Average Exercise Price
Information concerning stock options outstanding
Options Exercisable, Number Exercisable (in shares)	543,870
Options Exercisable, Weighted Average Exercise Price (in dollars per share)	$9.60
Options Exercisable, Intrinsic Value	$2,949,958
Options Exercisable, Weighted-Average Remaining Life	4 years 2 months 27 days

REGULATORY_CAPITAL_REQUIREMENT2

REGULATORY CAPITAL REQUIREMENTS (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Total Capital (to risk-weighted assets)
ACTUAL, AMOUNT	$133,780	$84,361
ACTUAL, RATIO (as a percent)	16.40%	12.90%
MINIMUM FOR CAPITAL ADEQUACY PURPOSES, AMOUNT	65,249	52,175
MINIMUM FOR CAPITAL ADEQUACY PURPOSES, RATIO (as a percent)	8.00%	8.00%
Tier I Capital (to risk-weighted assets)
ACTUAL, AMOUNT	98,158	79,342
ACTUAL, RATIO (as a percent)	12.00%	12.20%
MINIMUM FOR CAPITAL ADEQUACY PURPOSES, AMOUNT	32,625	26,087
MINIMUM FOR CAPITAL ADEQUACY PURPOSES, RATIO (as a percent)	4.00%	4.00%
Tier I Capital (to average assets)
ACTUAL, AMOUNT	98,158	79,342
ACTUAL, RATIO (as a percent)	9.00%	8.90%
MINIMUM FOR CAPITAL ADEQUACY PURPOSES, AMOUNT	41,480	35,840
MINIMUM FOR CAPITAL ADEQUACY PURPOSES, RATIO (as a percent)	4.00%	4.00%
Bank
Total Capital (to risk-weighted assets)
ACTUAL, AMOUNT	124,725	86,028
ACTUAL, RATIO (as a percent)	15.40%	13.20%
MINIMUM TO BE WELL CAPITALIZED, AMOUNT	81,125	65,262
MINIMUM TO BE WELL CAPITALIZED, RATIO (as a percent)	10.00%	10.00%
MINIMUM FOR CAPITAL ADEQUACY PURPOSES, AMOUNT	64,900	52,209
MINIMUM FOR CAPITAL ADEQUACY PURPOSES, RATIO (as a percent)	8.00%	8.00%
Tier I Capital (to risk-weighted assets)
ACTUAL, AMOUNT	118,503	81,009
ACTUAL, RATIO (as a percent)	14.60%	12.40%
MINIMUM TO BE WELL CAPITALIZED, AMOUNT	48,675	39,157
MINIMUM TO BE WELL CAPITALIZED, RATIO (as a percent)	6.00%	6.00%
MINIMUM FOR CAPITAL ADEQUACY PURPOSES, AMOUNT	32,450	26,105
MINIMUM FOR CAPITAL ADEQUACY PURPOSES, RATIO (as a percent)	4.00%	4.00%
Tier I Capital (to average assets)
ACTUAL, AMOUNT	118,503	81,009
ACTUAL, RATIO (as a percent)	10.80%	9.00%
MINIMUM TO BE WELL CAPITALIZED, AMOUNT	54,682	44,800
MINIMUM TO BE WELL CAPITALIZED, RATIO (as a percent)	5.00%	5.00%
MINIMUM FOR CAPITAL ADEQUACY PURPOSES, AMOUNT	$43,746	$35,840
MINIMUM FOR CAPITAL ADEQUACY PURPOSES, RATIO (as a percent)	4.00%	4.00%

REGULATORY_RESTRICTION_ON_DIVI1

REGULATORY RESTRICTION ON DIVIDEND (Details)	12 Months Ended
	Dec. 31, 2014
REGULATORY RESTRICTION ON DIVIDEND
Number of preceding years, the retained net profits of which is considered for dividend payment	2 years

LEASES_Details

LEASES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Future minimum lease payments required under operating leases that have initial or remaining non-cancelable lease terms in excess of one year
2015	$1,770
2016	1,666
2017	992
2018	674
2019	244
Thereafter	590
Total minimum payments required	5,936
Rent expense	$1,703	$1,034

FAIR_VALUE_OF_FINANCIAL_INSTRU2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financial assets:
Cash and cash equivalents	$30,077	$39,843	$25,340
Certificates of deposit with other banks	11,907	9,427
Securities available-for-sale	68,213	106,411
Securities held-to-maturity	55,871	54,118
Mortgage servicing rights	322,920	248,491
Financial liabilities:
FHLB and other borrowings	101,287	104,647
Carrying Value
Financial assets:
Cash and cash equivalents	30,077	39,843
Certificates of deposit with other banks	11,907	9,427
Securities available-for-sale	68,213	106,411
Securities held-to-maturity	54,538	56,670
Loans held for sale	69,527	90,061
Loans, net	792,074	617,370
Mortgage servicing rights	1,423	1,417
Accrued interest receivable	2,387	2,764
Financial liabilities:
Deposits	823,227	695,811
Repurchase agreements	32,673	81,578
FHLB and other borrowings	101,287	104,647
Accrued interest payable	376	327
Subordinated debt	33,524	4,124
Carrying Value | Interest rate lock commitment
Financial assets:
Derivative asset	1,020	1,081
Carrying Value | Interest rate cap
Financial assets:
Derivative asset	1,423
Carrying Value | Forward sales commitments
Financial assets:
Derivative asset		316
Financial liabilities:
Derivative Liability	431
Total
Financial assets:
Cash and cash equivalents	30,077	39,843
Certificates of deposit with other banks	12,035	9,616
Securities available-for-sale	68,213	106,411
Securities held-to-maturity	55,871	54,118
Loans held for sale	69,527	90,061
Loans, net	803,036	620,295
Mortgage servicing rights	1,423	1,417
Accrued interest receivable	2,387	2,764
Financial liabilities:
Deposits	824,078	697,301
Repurchase agreements	32,673	81,578
FHLB and other borrowings	101,338	104,742
Accrued interest payable	376	327
Subordinated debt	31,172	4,124
Total | Level I
Financial assets:
Cash and cash equivalents	30,077	39,843
Securities available-for-sale	77	187
Total | Level II
Financial assets:
Certificates of deposit with other banks	12,035	9,616
Securities available-for-sale	68,136	106,224
Securities held-to-maturity	55,871	54,118
Loans held for sale	69,527	90,061
Accrued interest receivable	728	2,764
Financial liabilities:
Deposits	824,078	697,301
Repurchase agreements	32,673	81,578
FHLB and other borrowings	101,338	104,742
Accrued interest payable	376	327
Subordinated debt	31,172	4,124
Total | Level III
Financial assets:
Loans, net	803,036	620,295
Mortgage servicing rights	1,423	1,417
Accrued interest receivable	1,659
Total | Interest rate lock commitment
Financial assets:
Derivative asset	1,020	1,081
Total | Interest rate lock commitment | Level III
Financial assets:
Derivative asset	1,020	1,081
Total | Interest rate cap
Financial assets:
Derivative asset	1,423
Total | Interest rate cap | Level II
Financial assets:
Derivative asset	1,423
Total | Forward sales commitments
Financial assets:
Derivative asset		316
Financial liabilities:
Derivative Liability	431
Total | Forward sales commitments | Level II
Financial assets:
Derivative asset		316
Financial liabilities:
Derivative Liability	$431

FAIR_VALUE_MEASUREMENTS_Hierar

FAIR VALUE MEASUREMENTS - Hierarchy (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair value of assets and liabilities
Available-for-sale securities	$68,213	$106,411
Assets measured at fair value on a nonrecurring basis
Mortgage servicing rights	322,920	248,491
U.S. Agency securities
Fair value of assets and liabilities
Available-for-sale securities	37,534	58,822
U.S. Sponsored Mortgage backed securities
Fair value of assets and liabilities
Available-for-sale securities	29,932	46,592
Equity and other securities
Fair value of assets and liabilities
Available-for-sale securities	747	997
Recurring | Level II
Fair value of assets and liabilities
Loans held for sale	69,527	90,061
Recurring | Total
Fair value of assets and liabilities
Loans held for sale	69,527	90,061
Recurring | Interest rate lock commitment | Level III
Fair value of assets and liabilities
Derivative Asset	1,020	1,081
Recurring | Interest rate lock commitment | Total
Fair value of assets and liabilities
Derivative Asset	1,020	1,081
Recurring | Interest rate cap | Level II
Fair value of assets and liabilities
Derivative Asset	1,423
Recurring | Interest rate cap | Total
Fair value of assets and liabilities
Derivative Asset	1,423
Recurring | Forward sales commitments | Level II
Fair value of assets and liabilities
Derivative Asset	-431	316
Recurring | Forward sales commitments | Total
Fair value of assets and liabilities
Derivative Asset	-431	316
Recurring | U.S. Agency securities | Level II
Fair value of assets and liabilities
Available-for-sale securities	37,534	58,822
Recurring | U.S. Agency securities | Total
Fair value of assets and liabilities
Available-for-sale securities	37,534	58,822
Recurring | U.S. Sponsored Mortgage backed securities | Level II
Fair value of assets and liabilities
Available-for-sale securities	29,932	46,592
Recurring | U.S. Sponsored Mortgage backed securities | Total
Fair value of assets and liabilities
Available-for-sale securities	29,932	46,592
Recurring | Equity and other securities | Level I
Fair value of assets and liabilities
Available-for-sale securities	77	187
Recurring | Equity and other securities | Level II
Fair value of assets and liabilities
Available-for-sale securities	670	810
Recurring | Equity and other securities | Total
Fair value of assets and liabilities
Available-for-sale securities	747	997
Non-recurring | Level III
Assets measured at fair value on a nonrecurring basis
Impaired loans	14,091	5,178
Other real estate owned	575	375
Mortgage servicing rights	1,423	1,417
Non-recurring | Total
Assets measured at fair value on a nonrecurring basis
Impaired loans	14,091	5,178
Other real estate owned	575	375
Mortgage servicing rights	$1,423	$1,417

FAIR_VALUE_MEASUREMENTS_Quanti

FAIR VALUE MEASUREMENTS - Quantitative Information (Details) (Non-recurring, Level III, USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Impaired loans | Appraisal of collateral
Quantitative information about assets measured at fair value on a non-recurring basis
Fair Value	14,091	5,178
Impaired loans | Appraisal of collateral | Minimum
Fair Value Inputs [Abstract]
Liquidation expenses (as a percent)	5.00%	5.00%
Appraisal adjustments (as a percent)	20.00%	20.00%
Impaired loans | Appraisal of collateral | Maximum
Fair Value Inputs [Abstract]
Liquidation expenses (as a percent)	10.00%	10.00%
Appraisal adjustments (as a percent)	30.00%	30.00%
Other real estate owned | Appraisal of collateral
Quantitative information about assets measured at fair value on a non-recurring basis
Fair Value	575	375
Other real estate owned | Appraisal of collateral | Minimum
Fair Value Inputs [Abstract]
Liquidation expenses (as a percent)	5.00%	5.00%
Appraisal adjustments (as a percent)	20.00%	20.00%
Other real estate owned | Appraisal of collateral | Maximum
Fair Value Inputs [Abstract]
Liquidation expenses (as a percent)	10.00%	10.00%
Appraisal adjustments (as a percent)	30.00%	30.00%
Mortgage servicing rights | Discounted cash flow
Fair Value Inputs [Abstract]
Prepayment rate (as a percent)	12.00%	12.00%
Cost of service (as a percent)	0.25%	0.25%
Discount rate (as a percent)	12.00%	12.00%

COMPREHENSIVE_INCOME_Reclassif

COMPREHENSIVE INCOME - Reclassifications (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Comprehensive Income
Gain on sale of securities	$413	$145
Salaries and employee benefits	31,191	27,067
Income (loss) before income taxes	1,983	5,003
Income tax expense	96	-983
Net Income	2,079	4,020
Amount Reclassified from AOCI
Comprehensive Income
Net Income	123	200
Available-for-sale securities, Unrealized holding gains | Amount Reclassified from AOCI
Comprehensive Income
Gain on sale of securities	413	145
Income (loss) before income taxes	413	145
Income tax expense	-165	-58
Net Income	248	87
Defined benefit pension plan items, Change in defined benefit pension plan | Amount Reclassified from AOCI
Comprehensive Income
Salaries and employee benefits	-208	188
Income (loss) before income taxes	-208	188
Income tax expense	83	-75
Net Income	($125)	$113

COMPREHENSIVE_INCOME_Component

COMPREHENSIVE INCOME - Components of AOCI (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Accumulated other comprehensive income (loss)
Beginning balance	($2,961)	($1,495)
Other comprehensive loss before reclassification	196	-1,666
Amounts reclassified from AOCI	123	200
Net current period OCI	319	-1,466
Ending balance	-2,642	-2,961
Available-for-sale securities, Unrealized holding gains
Accumulated other comprehensive income (loss)
Beginning balance	-1,476	240
Other comprehensive loss before reclassification	822	-1,803
Amounts reclassified from AOCI	248	87
Net current period OCI	1,070	-1,716
Ending balance	-406	-1,476
Defined benefit pension plan items, Change in defined benefit pension plan
Accumulated other comprehensive income (loss)
Beginning balance	-1,485	-1,735
Other comprehensive loss before reclassification	-626	137
Amounts reclassified from AOCI	-125	113
Net current period OCI	-751	250
Ending balance	($2,236)	($1,485)

CONDENSED_FINANCIAL_STATEMENTS2

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY - Balance Sheet (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Assets
TOTAL ASSETS	$1,110,459	$987,060
Liabilities
Long-term debt	134,811
Total Liabilities	1,001,021	893,038
Total Stockholders' Equity	109,438	94,022	67,549
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	1,110,459	987,060
Parent Company
Assets
Cash	5,528	362
Investment in subsidiaries	135,633	97,164
Other assets	2,334	717
TOTAL ASSETS	143,495	98,243
Liabilities
Other liabilities	533	97
Long-term debt	33,524	4,124
Total Liabilities	34,057	4,221
Total Stockholders' Equity	109,438	94,022
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$143,495	$98,243

CONDENSED_FINANCIAL_STATEMENTS3

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY - Income Statement (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Condensed Statements of income
Expenses - operating	$60,362	$50,402
Income tax (benefit)	-96	983
Net Income	2,079	4,020
Preferred dividends	332	85
Net Income available to common shareholders	1,747	3,935
Other comprehensive income (loss)	319	-1,466
Comprehensive income	2,398	2,554
Parent Company
Condensed Statements of income
Income - dividends from bank subsidiary	3,112	2,666
Expenses - operating	2,972	499
Income before income taxes and undistributed earnings	140	2,167
Income tax (benefit)	-992	-190
Income after tax (benefit)	1,132	2,357
Equity in undistributed income earnings of subsidiaries	947	1,663
Net Income	2,079	4,020
Preferred dividends	332	85
Net Income available to common shareholders	1,747	3,935
Other comprehensive income (loss)	319	-1,466
Comprehensive income	$2,398	$2,554

CONDENSED_FINANCIAL_STATEMENTS4

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY - Cash Flow (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
OPERATING ACTIVITIES
Net income	$2,079	$4,020
Stock option expense	321	196
NET CASH PROVIDED BY OPERATING ACTIVITIES	24,869	1,154
INVESTING ACTIVITIES
NET CASH USED IN INVESTING ACTIVITIES	-151,884	-244,039
FINANCING ACTIVITIES
Proceeds of stock offering	5,588	23,109
Dividend reinvestment plan	180	913
Proceeds from subordinated debt	29,400
Preferred stock issuance	7,834
Common stock options exercised	63	323
Cash dividends paid on common stock	-636	-537
Cash dividends paid on preferred stock	-332	-85
NET CASH PROVIDED BY FINANCING ACTIVITIES	117,249	257,388
(Decrease) increase in cash and cash equivalents	-9,766	14,503
Cash and cash equivalents at beginning of period	39,843	25,340
Cash and cash equivalents at end of period	30,077	39,843
Parent Company
OPERATING ACTIVITIES
Net income	2,079	4,020
Equity in undistributed earnings of subsidiaries	-947	-1,663
Increase in other assets	-1,778	-340
Increase in other liabilities	436	57
Stock option expense	321	196
NET CASH PROVIDED BY OPERATING ACTIVITIES	111	2,950
INVESTING ACTIVITIES
Investment in subsidiary	-37,042	-26,469
NET CASH USED IN INVESTING ACTIVITIES	-37,042	-26,469
FINANCING ACTIVITIES
Proceeds of stock offering	5,588	23,109
Dividend reinvestment plan	180	913
Proceeds from subordinated debt	29,400
Preferred stock issuance	7,834
Common stock options exercised	63	323
Cash dividends paid on common stock	-636	-537
Cash dividends paid on preferred stock	-332	-85
NET CASH PROVIDED BY FINANCING ACTIVITIES	42,097	23,723
(Decrease) increase in cash and cash equivalents	5,166	204
Cash and cash equivalents at beginning of period	362	158
Cash and cash equivalents at end of period	$5,528	$362

SEGMENT_REPORTING_Details

SEGMENT REPORTING (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
	item
Information about the reportable segments and reconciliation to the consolidated financial statements
Number of Reportable Segments	3
Revenues:
Interest income	$36,414,000	$26,960,000
Gain on loans held for sale	18,392,000	21,480,000
Insurance income	3,523,000	1,722,000
Other income	4,016,000	5,243,000
Total operating income	62,345,000	55,405,000
Expenses:
Interest expense	8,083,000	5,549,000
Salaries and employee benefits	31,191,000	27,067,000
Provision for loan losses	2,582,000	2,260,000
Other expense	18,506,000	15,526,000
Total operating expenses	60,362,000	50,402,000
Income (loss) before income taxes	1,983,000	5,003,000
Income tax expense (benefit)	-96,000	983,000
Net Income	2,079,000	4,020,000
Preferred stock dividends	332,000	85,000
Net Income available to common shareholders	1,747,000	3,935,000
Capital expenditures	9,798,000	6,501,000
Total assets	1,110,459,000	987,060,000
Goodwill	17,779,000	17,779,000
Increase (decrease) in earnings	1,800,000
Increase (decrease) loan origination volume (as a percent)	17.10%
Increase (decrease) in personnel expense	1,500,000
Commercial & Retail Banking
Revenues:
Gain on loans held for sale		2,853,000
Other income		3,843,000
Expenses:
Salaries and employee benefits	13,287,000	12,441,000
Provision for loan losses	2,582,000	2,260,000
Other expense		9,811,000
Income (loss) before income taxes	2,759,000	2,258,000
Income tax expense (benefit)	208,000	5,000
Net Income	2,551,000	2,253,000
Preferred stock dividends	332,000	85,000
Net Income available to common shareholders	2,219,000	2,168,000
Capital expenditures	9,112,000	5,613,000
Goodwill	897,000	897,000
Increase (decrease) in net interest income	4,800,000
Increase (decrease) in average loan balances	219,700,000
Increase (decrease) in noninterest income	-866,000
Increase (decrease) in income from portfolio loans held for sale	1,900,000
Increase (decrease) in noninterest expense	3,100,000
Increase (decrease) in salaries expense	846,000
Increase (decrease) in occupancy and equipment expense	733,000
Increase (decrease) in data processing expense	340,000
Increase (decrease) in FDIC expense	330,000
Increase (decrease) in consulting expense	274,000
Increase (decrease) in legal expense	230,000
Increase (decrease) in the provision for loan losses	322,000
Mortgage Banking
Revenues:
Gain on loans held for sale		19,042,000
Other income		1,400,000
Expenses:
Salaries and employee benefits	14,487,000	13,017,000
Other expense		5,081,000
Income (loss) before income taxes	145,000	3,266,000
Income tax expense (benefit)	40,000	1,240,000
Net Income	105,000	2,026,000
Net Income available to common shareholders	105,000	2,026,000
Capital expenditures	333,000	489,000
Goodwill	16,882,000	16,882,000
Increase (decrease) in net interest income	334,000
Increase (decrease) in noninterest income	1,400,000
Increase (decrease) in noninterest expense	2,000,000
Revision in accounting estimate	706,000
Number of additional offices	7
Insurance
Revenues:
Insurance income	3,523,000	1,722,000
Expenses:
Salaries and employee benefits	3,417,000	1,609,000
Other expense		634,000
Income (loss) before income taxes	-921,000	-521,000
Income tax expense (benefit)	-344,000	-262,000
Net Income	-577,000	-259,000
Net Income available to common shareholders	-577,000	-259,000
Capital expenditures	353,000	399,000
Increase (decrease) in noninterest income	1,800,000
Increase (decrease) in noninterest expense	2,200,000
Increase (decrease) in income tax benefit	-82,000
Operating segments | Commercial & Retail Banking
Revenues:
Interest income	32,258,000	25,088,000
Gain on loans held for sale	900,000
Other income	4,930,000
Total operating income	38,088,000	31,784,000
Expenses:
Interest expense	7,366,000	5,014,000
Other expense	12,094,000
Total operating expenses	35,329,000	29,526,000
Total assets	1,189,746,000	1,021,097,000
Operating segments | Mortgage Banking
Revenues:
Interest income	2,891,000	2,103,000
Gain on loans held for sale	18,691,000
Other income	325,000
Total operating income	21,907,000	22,545,000
Expenses:
Interest expense	1,635,000	1,181,000
Other expense	5,640,000
Total operating expenses	21,762,000	19,279,000
Total assets	101,791,000	92,290,000
Operating segments | Insurance
Revenues:
Total operating income	3,523,000	1,722,000
Expenses:
Other expense	1,027,000
Total operating expenses	4,444,000	2,243,000
Total assets	4,031,000	3,012,000
Intercompany Eliminations
Revenues:
Interest income	1,265,000	-231,000
Gain on loans held for sale	-1,199,000	-415,000
Other income	-1,239,000
Total operating income	-1,173,000	-646,000
Expenses:
Interest expense	-918,000	-646,000
Other expense	-255,000
Total operating expenses	-1,173,000	-646,000
Total assets	($185,109,000)	($129,339,000)

MERGERS_AND_ACQUISITIONS_Detai

MERGERS AND ACQUISITIONS (Details) (CFG, USD $)	0 Months Ended	12 Months Ended
	Oct. 31, 2014	Dec. 31, 2014	Dec. 31, 2013	Oct. 31, 2014
Mergers and acquisitions
Aggregate consideration	$30,000,000
Consideration in cash	26,000,000
Consideration in shares of common stock	4,000,000			4,000,000
Acquisition related costs included in consolidated statements of income		310,000	288,000
Consulting
Mergers and acquisitions
Acquisition related costs included in consolidated statements of income		72,000	20,000
Advertising
Mergers and acquisitions
Acquisition related costs included in consolidated statements of income		4,000	2,000
Printing, stationery and supplies
Mergers and acquisitions
Acquisition related costs included in consolidated statements of income		9,000	1,000
Legal and accounting fees
Mergers and acquisitions
Acquisition related costs included in consolidated statements of income		111,000	210,000
Equipment depreciation and maintenance
Mergers and acquisitions
Acquisition related costs included in consolidated statements of income		26,000
Meals and Entertainment
Mergers and acquisitions
Acquisition related costs included in consolidated statements of income		11,000	2,000
Travel
Mergers and acquisitions
Acquisition related costs included in consolidated statements of income		$77,000	$53,000

STOCK_SPLIT_Details

STOCK SPLIT (Details) (Subsequent event)	0 Months Ended
	Feb. 11, 2014
Subsequent event
Stock Split [Line Items]
Stock split ratio	2