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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.93% | 1.00% | 1.08% | 1.05% | 1.07% | 1.22% | 1.52% | +43 bps | |
| Return on Equity | 8.52% | 8.60% | 8.91% | 9.51% | 9.19% | 9.32% | 10.46% | 12.92% | +341 bps | |
| Net Interest Margin | 2.62% | 2.75% | 2.75% | 2.85% | 2.89% | 3.06% | 3.23% | 3.51% | +66 bps | |
| Efficiency Ratio | 58.19% | 56.24% | 55.50% | 53.87% | 53.18% | 50.77% | 50.92% | 46.84% | -704 bps | |
| Non-Interest Burden | 1.46% | 1.51% | 1.47% | 1.45% | 1.45% | 1.47% | 1.57% | 1.44% | -1 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% | 0.20% | -0.03% | 0.11% | 0.11% | 0.00% | 0.00% | 0.00% | -11 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 | |