FVCbank
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Data as of · sourced from FFIEC call reports. How we update
FVCbank is an FDIC-insured commercial bank headquartered in Fairfax, VA, established in 2007 (FDIC certificate 58696), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.36B, up 5.8% from Q2 2025, the 13th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 15.41% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58696
- Headquarters
- Fairfax, VA
- Established
- 2007
- Total assets, Q2 2026
- $2.36B
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 15.41%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 056009505
- Holding company
- FVCBANKCORP, INC.
- Asset rank in state
- 13th of 56 in Virginia
FVCbank, based in Fairfax, Virginia, reported $2.4 billion in assets at June 30, 2026, up 5.8% from a year earlier. It holds about half of its deposits (47%) above the FDIC insurance limit, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). On the other hand, it funds 12.94% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $8.9 million, 47% above the same quarter a year earlier. Over the same year, loans grew 1.6% and deposits grew 8.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, FVCbank reported a CET1 capital ratio of 15.41%, a return on assets of 1.58%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 3.87%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in Virginia, FVCbank is the 13th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $2.36B, loans fell 1.2% and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 30.8% of total loans, ahead of commercial and industrial loans at 24.5%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities across 3 states; its Fairfax office books 59% of its branch deposits. On its Q2 2026 call report, FVCbank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 11325 Random Hills Rd, Fairfax, VA 22030
- County
- Fairfax
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 27, 2007
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 135
- Domestic deposits
- $2.06B
- Allowance for credit losses
- $19.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $2.24B
- Average total loans
- $1.92B
- Average interest-bearing deposits
- $1.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 27, 2007
- FDIC Cert
- 58696
- Fed RSSD
- 3614976
- SEC CIK
- 1675644 → filed by FVCBANKCORP, INC.
- Website
- www.fvcbank.com →
- Parent Holding Company
- FVCBANKCORP, INC. (RSSD 4875907) · FVCB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David W Pijor | CEO | Chairman & CEO |
| Patricia A Ferrick | PRES | President |
| Jennifer L Deacon | CFO | SR EVP, CFO |
| Dempsey B. Todd | COO | Chief Operating Officer |
| Michael G. Nassy | CCO | Sr EVP, Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
FVCbank's total assets moved between a low of $2.18B (Q1 2024) and a high of $2.36B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.36B total assets against $2.23B; $2.08B total liabilities against $1.98B.
$1.88B net loans and leases against $1.85B; $2.06B total deposits against $1.91B.
$147.2M securities against $157.1M; $251.0M cash and balances due against $135.1M.
$31.1M total interest income against $29.4M; $11.5M total interest expense against $13.4M.
$19.6M net interest income against $16.0M.
$2.2M total noninterest income against $1.0M; $10.2M total noninterest expense against $9.2M.
$241K provision for credit losses against $106K.
$8.9M net income against $6.0M.
1.58% return on assets against 1.07%; 3.61% net interest margin against 2.93%.
15.41% CET1 capital ratio against 14.29%; 12.94% tier 1 leverage ratio against 11.97%.
Inside the full FVCbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
FVCbank rankings
Its closest position to the top of a national ranking is 516 of 4,196, for total assets; its furthest is 1,608 of 3,640, for Texas Ratio.
Metric pages for FVCbank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q3 2024) to 1.58% (Q2 2026) and its net interest margin ran from 2.70% (Q3 2024) to 3.61% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.41% | 1.58% | 0.59% | 3.87% | 3.61% |
| Q1 2026 | 14.83% | 1.26% | 0.64% | 4.33% | 3.32% |
| Q4 2025 | 14.37% | 1.08% | 0.56% | 3.93% | 3.15% |
| Q3 2025 | 14.78% | 1.05% | 0.60% | 4.06% | 2.98% |
| Q2 2025 | 14.29% | 1.07% | 0.57% | 3.97% | 2.93% |
| Q1 2025 | 14.07% | 0.99% | 0.57% | 4.10% | 2.84% |
| Q4 2024 | 13.74% | 0.94% | 0.69% | 5.03% | 2.83% |
| Q3 2024 | 13.48% | 0.92% | 0.19% | 1.41% | 2.70% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| FVCbank (main office) | Fairfax , VA | 22030 | $1.22B |
| Reston Branch | Reston , VA | 20190 | $303.8M |
| Manassas Branch | Manassas , VA | 20109 | $279.4M |
| Arlington Branch | Arlington , VA | 22201 | $84.6M |
| Bethesda Branch | Bethesda , MD | 20814 | $64.2M |
| Springfield Branch | Springfield , VA | 22150 | $44.7M |
| Baltimore Branch | Baltimore , MD | 21202 | $37.9M |
| Dc Branch | Washington , DC | 20001 | $24.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 13, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 13, 2018 | Structure Change | Acquired Colombo Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 20, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 20, 2012 | Structure Change | Acquired 1st Commonwealth Bank of Virginia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action March 26, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in VA, rank 20 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 88 applications, 24 loans originated, $23.0M originated, across 6 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.9M approved, $1.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about FVCbank
What are FVCbank's total assets?
As of the Q2 2026 filing, FVCbank reported total assets of $2.36 billion in its FFIEC call report.
Where is FVCbank headquartered?
It is headquartered in Fairfax, VA, United States.
When was FVCbank founded?
It was established in 2007, per the FDIC institution directory.
Is FVCbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58696). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FVCbank?
FVCbank's primary federal regulator is the Federal Reserve.
What is FVCbank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.41% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does FVCbank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FVCbank's Texas Ratio?
Its Texas Ratio is 3.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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