Fairfax, VA · Cert 58696 · Fvcbankcorp Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
74
Asset Quality
69
Profitability
51
Liquidity
68
Efficiency
83
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.
Fairfax, VA · Cert 58696 · Fvcbankcorp Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.7% share · #17 of 71 inst. · $2.0B of $301.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.74% | 1.00% | 1.04% | 1.04% | 1.05% | 1.22% | 1.37% | +33 bps | |
| Return on Equity | 6.43% | 6.99% | 8.91% | 9.22% | 9.21% | 9.24% | 10.46% | 11.69% | +246 bps | |
| Net Interest Margin | 2.50% | 2.57% | 2.75% | 2.78% | 2.81% | 2.86% | 3.23% | 3.36% | +58 bps | |
| Efficiency Ratio | 59.78% | 58.85% | 55.50% | 54.66% | 54.15% | 53.25% | 50.92% | 48.73% | -593 bps | |
| Non-Interest Burden | 1.45% | 1.46% | 1.47% | 1.45% | 1.45% | 1.45% | 1.57% | 1.50% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.52% | 0.47% | 2.67% | -2.66% | 1.17% | 4.30% | 4.28% | 5.82% | +848 bps | |
| Loan Growth (YoY) | 1.38% | 2.28% | 1.59% | -0.94% | -0.88% | 3.80% | 2.19% | 1.62% | +257 bps | |
| Deposit Growth (YoY) | -1.66% | 1.43% | 2.61% | -3.35% | 0.85% | 6.77% | 6.77% | 8.04% | +1,139 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.69% | 0.57% | 0.57% | 0.60% | 0.56% | 0.64% | 0.59% | +3 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.04% | -0.03% | 0.04% | 0.06% | 0.04% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.02% | 0.97% | 0.98% | 0.97% | 0.97% | 0.97% | 1.00% | 1.01% | +4 bps | |
| Allowance Coverage of NPLs | 5.4x | 1.4x | 1.7x | 1.7x | 1.6x | 1.7x | 1.6x | 1.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.49% | 11.74% | 11.92% | 11.97% | 12.13% | 12.23% | 12.61% | 12.94% | +98 bps | |
| Total Risk-Based Capital | 14.52% | 14.73% | 15.07% | 15.28% | 15.77% | 15.38% | 15.86% | 16.46% | +118 bps | |
| Equity / Assets | 10.51% | 11.17% | 11.27% | 11.45% | 11.32% | 11.66% | 11.61% | 11.84% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.49% | 99.92% | 98.64% | 98.10% | 93.86% | 97.14% | 94.41% | 92.27% | -583 bps | |
| Liquid Assets / Assets | 7.34% | 3.79% | 4.98% | 5.41% | 9.26% | 5.34% | 7.83% | 10.12% | +471 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 426% | 425% | 411% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.35% | 0.91% | 1.22% | 1.52% | Beats 63% | 121 / 328 | ||
| Return on Equity | 11.38% | 8.43% | 11.45% | 14.43% | Beats 48% | 170 / 328 | ||
| Net Interest Margin | 3.36% | 3.03% | 3.45% | 3.83% | Beats 43% | 186 / 328 | ||
| Efficiency Ratio | 48.85% | 51.61% | 59.56% | 67.53% | Beats 83% | 58 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.59% | 0.24% | 0.51% | 1.03% | Beats 45% | 179 / 322 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 93% | 26 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.41% | 11.75% | 13.15% | 15.47% | Beats 74% | 84 / 328 | ||
| Total Risk-Based Capital Ratio | 16.46% | 12.63% | 14.15% | 16.46% | Beats 75% | 82 / 328 | ||
| Equity / Assets | 11.84% | 9.15% | 10.33% | 12.01% | Beats 73% | 89 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.27% | 76.63% | 87.92% | 95.36% | 67th pctl | 107 / 323 | ||
| Loans / Assets | 80.39% | 65.18% | 74.15% | 79.98% | 77th pctl | 77 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||