FVCbank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.21 percentage points higher than in Q1 2026, at 169.81%. Within Virginia, FVCbank is 21st of 56 on return on assets, 1.58% as of Q2 2026. FVCbank reported 1.58% on return on assets for Q2 2026, 0.31 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.41% |
| Tier 1 risk-based capital ratio | 15.41% |
| Total risk-based capital ratio | 16.46% |
| Tier 1 leverage ratio | 12.94% |
| Equity capital to assets | 11.84% |
| Tangible equity to tangible assets | 11.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.59% |
| Non-performing assets ratio | 0.48% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.87% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 169.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.58% |
| Return on equity | 12.92% |
| Net interest margin | 3.61% |
| Efficiency ratio | 46.84% |
| Yield on earning assets | 5.72% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.27% |
| Core deposits to total deposits | 80.50% |
| Brokered deposits to total deposits | 11.72% |
| Deposits to assets | 87.13% |
| Securities to assets | 6.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.92% | 12.92% | 13.93% | 10.62% | 0.78% |
| Q4 2023 | 12.80% | 12.80% | 13.83% | 10.77% | -1.09% |
| Q1 2024 | 13.01% | 13.01% | 14.05% | 11.18% | 0.30% |
| Q2 2024 | 13.09% | 13.09% | 14.13% | 11.31% | 0.83% |
| Q3 2024 | 13.48% | 13.48% | 14.52% | 11.49% | 0.92% |
| Q4 2024 | 13.74% | 13.74% | 14.73% | 11.74% | 0.94% |
| Q1 2025 | 14.07% | 14.07% | 15.07% | 11.92% | 0.99% |
| Q2 2025 | 14.29% | 14.29% | 15.28% | 11.97% | 1.07% |
| Q3 2025 | 14.78% | 14.78% | 15.77% | 12.13% | 1.05% |
| Q4 2025 | 14.37% | 14.37% | 15.38% | 12.23% | 1.08% |
| Q1 2026 | 14.83% | 14.83% | 15.86% | 12.61% | 1.26% |
| Q2 2026 | 15.41% | 15.41% | 16.46% | 12.94% | 1.58% |
FVCbank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FVCbank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full FVCbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58696) · FFIEC NIC profile (RSSD 3614976)