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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.04% | 1.05% | 1.22% | 1.37% | +33 bps | |
| Return on Equity | 9.22% | 9.21% | 9.24% | 10.46% | 11.69% | +246 bps | |
| Net Interest Margin | 2.78% | 2.81% | 2.86% | 3.23% | 3.36% | +58 bps | |
| Efficiency Ratio | 54.66% | 54.15% | 53.25% | 50.92% | 48.73% | -593 bps | |
| Non-Interest Burden | 1.45% | 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 / Loans | 0.57% | 0.60% | 0.56% | 0.64% | 0.59% | +3 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.06% | 0.04% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 0.97% | 0.97% | 0.97% | 1.00% | 1.01% | +4 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.6x | 1.7x | 1.6x | 1.7x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.97% | 12.13% | 12.23% | 12.61% | 12.94% | +98 bps | |
| Total Risk-Based Capital | 15.28% | 15.77% | 15.38% | 15.86% | 16.46% | +118 bps | |
| Equity / Assets | 11.45% | 11.32% | 11.66% | 11.61% | 11.84% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.10% | 93.86% | 97.14% | 94.41% | 92.27% | -583 bps | |
| Liquid Assets / Assets | 5.41% | 9.26% | 5.34% | 7.83% | 10.12% | +471 bps | |
| CRE / Total Capital | n/a | 426% | 425% | 411% | n/a | n/a | |