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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 assets3

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 (n=322 to 328). 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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

83

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 (n=322-328) · 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 (rank 26 of 322).
  • Widest gap: net interest margin trails 57% of banks $1B-$10B in assets (rank 186 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.35%

Rank 121 of 328

Net Interest Margin

3.36%

Rank 186 of 328

Efficiency Ratio

48.85%

Rank 58 of 328

Equity / Assets

11.84%

Rank 89 of 328

Non-interest income vs. expense

$6.1M$39.7MINCOMEEXPENSE
Unfavorable gap of $33.6M · efficiency ratio beats 83% of banks $1B-$10B in assets
Bank 48.85%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.91%1.22%1.52%Beats 63%121 / 328
Return on Equity11.38%8.43%11.45%14.43%Beats 48%170 / 328
Net Interest Margin3.36%3.03%3.45%3.83%Beats 43%186 / 328
Efficiency Ratio48.85%51.61%59.56%67.53%Beats 83%58 / 328
Asset Quality
Nonperforming Loans / Loans0.59%0.24%0.51%1.03%Beats 45%179 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 93%26 / 322
Capital
Tier 1 Capital Ratio15.41%11.75%13.15%15.47%Beats 74%84 / 328
Total Risk-Based Capital Ratio16.46%12.63%14.15%16.46%Beats 75%82 / 328
Equity / Assets11.84%9.15%10.33%12.01%Beats 73%89 / 328
Liquidity & Funding
Loans / Deposits92.27%76.63%87.92%95.36%67th pctl107 / 323
Loans / Assets80.39%65.18%74.15%79.98%77th pctl77 / 328
Brokered Deposits / Depositsn/aNot reported for this institution