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Fvcbank

Fairfax, VA · Cert 58696 · Fvcbankcorp Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=174). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

83

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

82

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fvcbank

Fairfax, VA · Cert 58696 · Fvcbankcorp Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

$2.4BAssets
$1.9BLoans
$2.1BDeposits
$279.7MEquity
Loan mix
76%RE $1.5B24%C&I $0.4B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $1.6B21%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.97%Q2 ’245.14%Q2 ’255.43%Q2 ’26+13%+21%

Non-interest income vs. expense

1.56%Q2 ’241.60%Q2 ’251.77%Q2 ’26+1%+3%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.7% share · #17 of 71 inst. · $2.0B of $301.4B

1.3% Fairfax
4.0% Prince William
0.9% Arlington
0.1% Montgomery

Executive Summary

  • Earnings: ROA of 1.37%, up 33 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.59% of loans (+3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.94%, up 98 bps from a year ago.
  • Funding: loans stand at 92.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+58 bps YoY

Efficiency Ratio (YTD, annualized)

48.73%-593 bps YoY

Tier 1 Leverage Ratio

12.94%+98 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.04%1.05%1.22%1.37%+33 bps
Return on Equity9.22%9.21%9.24%10.46%11.69%+246 bps
Net Interest Margin2.78%2.81%2.86%3.23%3.36%+58 bps
Efficiency Ratio54.66%54.15%53.25%50.92%48.73%-593 bps
Non-Interest Burden1.45%1.45%1.45%1.57%1.50%+4 bps
Growth
Asset Growth (YoY)-2.66%1.17%4.30%4.28%5.82%+848 bps
Loan Growth (YoY)-0.94%-0.88%3.80%2.19%1.62%+257 bps
Deposit Growth (YoY)-3.35%0.85%6.77%6.77%8.04%+1,139 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.60%0.56%0.64%0.59%+3 bps
Net Charge-Offs / Loans0.04%0.06%0.04%0.00%0.00%-4 bps
Allowance / Loans0.97%0.97%0.97%1.00%1.01%+4 bps
Allowance Coverage of NPLs1.7x1.6x1.7x1.6x1.7x0.0x
Capital
Tier 1 Leverage Ratio11.97%12.13%12.23%12.61%12.94%+98 bps
Total Risk-Based Capital15.28%15.77%15.38%15.86%16.46%+118 bps
Equity / Assets11.45%11.32%11.66%11.61%11.84%+39 bps
Liquidity & Funding
Loans / Deposits98.10%93.86%97.14%94.41%92.27%-583 bps
Liquid Assets / Assets5.41%9.26%5.34%7.83%10.12%+471 bps
CRE / Total Capitaln/a426%425%411%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Fvcbank

Fairfax, VA · Cert 58696 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · Fvcbankcorp Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

$2.4BAssets
$1.9BLoans
$2.1BDeposits
$279.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 93% of banks $1B-$10B in assets operating regionally (rank 13 of 174).
  • Widest gap: net interest margin trails 66% of banks $1B-$10B in assets operating regionally (rank 115 of 174).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.35%

Rank 71 of 174

Net Interest Margin

3.36%

Rank 115 of 174

Efficiency Ratio

48.85%

Rank 32 of 174

Equity / Assets

11.84%

Rank 39 of 174

Non-interest income vs. expense

$6.1M$39.7MINCOMEEXPENSE
Unfavorable gap of $33.6M · efficiency ratio beats 82% of banks $1B-$10B in assets operating regionally
Bank 48.85%Peer median 59.2%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.93%1.27%1.52%Beats 59%71 / 174
Return on Equity11.38%9.26%11.89%14.41%Beats 45%95 / 174
Net Interest Margin3.36%3.22%3.56%3.91%Beats 34%115 / 174
Efficiency Ratio48.85%51.59%59.21%67.02%Beats 82%32 / 174
Asset Quality
Nonperforming Loans / Loans0.59%0.29%0.60%1.18%Beats 51%87 / 174
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 93%13 / 174
Capital
Tier 1 Capital Ratio15.41%11.19%12.82%14.11%Beats 86%24 / 174
Total Risk-Based Capital Ratio16.46%11.81%13.70%15.33%Beats 86%24 / 174
Equity / Assets11.84%9.15%10.31%11.72%Beats 78%39 / 174
Liquidity & Funding
Loans / Deposits92.27%80.93%90.31%97.12%60th pctl70 / 174
Loans / Assets80.39%69.01%75.52%80.85%72nd pctl49 / 174
Brokered Deposits / Depositsn/aNot reported for this institution