F
FVCBankcorp, Inc.
Period
FY 2025
Revenue
—
Net Income
$22.06M
Total Assets
$2.29B
Equity
$253.60M
Shares Out
18.00M
Op. Cash Flow
$23.86M
Business
FVCBankcorp, Inc. is a bank holding company that operates primarily through FVCbank, a Virginia-chartered community bank serving commercial businesses, nonprofits, and professionals in the Washington, D.C. and Baltimore metropolitan areas. The Bank provides commercial real estate and construction loans, commercial and government contract financing, consumer residential loans, and deposit products including transaction accounts, certificates of deposit, and treasury management services. The company holds a significant ownership interest in Atlantic Coast Mortgage, LLC, to which it provides warehouse lending.
Summary from 10-K filed 2026-03-16
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Interest and fees on loans | 109 | 107 | 98 | 74 | 64 | |
| Interest and dividends on securities held-to-maturity | 6,000 | 6,000 | 6,000 | 6,000 | 6,000 | |
| Interest and dividends on securities available-for-sale | 4 | 4 | 5 | 6 | 4 | |
| Dividends on restricted stock | 450,000 | 611,000 | 646,000 | 408,000 | 328,000 | |
| Interest on deposits at other financial institutions | 5 | 2 | 3 | 685,000 | 260,000 | |
| Total interest and dividend income | 118 | 113 | 107 | 81 | 68 | |
| Interest on deposits | 52 | 53 | 47 | 12 | 8 | |
| Interest on federal funds purchased | 0 | 2,000 | 11,000 | 688,000 | 0 | |
| Interest on short-term debt | 1 | 3 | 4 | 1 | 346,000 | |
| Interest on subordinated notes | 1 | 1 | 1 | 1 | 3 | |
| Total interest expense | 55 | 58 | 52 | — | — | |
| Net Interest Income | 64 | 56 | 54 | 65 | 58 | |
| Provision for credit losses | 2 | 6,000 | 132,000 | 3 | — | |
| Net interest income after provision for (recovery of) credit losses | 62 | 56 | 54 | 63 | 58 | |
| Total noninterest income | 4 | 3 | −13 | 3 | — | |
| Service charges on deposit accounts | 1 | 1 | 1 | 954,000 | 1 | |
| BOLI income | 289,000 | 397,000 | 1 | 1 | 994,000 | |
| Income from minority membership interests | 1 | 376,000 | −1 | −33,000 | 0 | |
| Gain on termination of derivative instruments | 91,000 | 0 | −16 | 0 | — | |
| Other income | 762,000 | 635,000 | 837,000 | 713,000 | 816,000 | |
| Salaries and employee benefits | 20 | 19 | 21 | 20 | 19 | |
| Occupancy and equipment expense | 2 | 2 | 2 | 2 | 3 | |
| Data processing and network administration | 2 | 3 | 2 | 2 | 2 | |
| Internet banking and software expense | 3 | 3 | — | — | — | |
| State franchise taxes | 2 | 2 | 2 | 2 | 2 | |
| FDIC insurance | 1 | 1 | 1 | 620,000 | 770,000 | |
| Marketing, business development and advertising | 796,000 | 969,000 | 724,000 | — | — | |
| Loan Processing Fee (Income) | 1 | 899,000 | −10,000 | 555,000 | — | |
| Directors Fees | 630,000 | 637,000 | 660,000 | 668,000 | 651,000 | |
| Core deposit intangible amortization | 125,000 | 165,000 | 205,000 | 262,000 | 305,000 | |
| Other operating expenses | 4 | 3 | 3 | 2 | 2 | |
| Total noninterest expenses | 38 | 36 | 37 | 34 | 35 | |
| Net income | 22 | 15 | 4 | 25 | 22 | |
| Net income before income tax expense | 28 | 22 | 4 | 31 | 28 | |
| Income tax expense | 6 | 7 | 410,000 | 6 | 6 | |
| Earnings per share, basic | 1.22 | 0.83 | 0.22 | 1.43 | 1.29 | |
| Earnings per share, diluted | 1.21 | 0.82 | 0.21 | 1.35 | 1.2 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash and due from banks | 6 | 8 | 8 | 7 | 25 | |
| Interest-bearing deposits at other financial institutions | 122 | 83 | 52 | 74 | 216 | |
| Securities held-to-maturity (fair value of $262 thousand and $256 thousand at December 31, 2025 and 2024, respectively), net of allowance for credit losses of $0 and $0 at December 31, 2025 and 2024, respectively | 265,000 | 265,000 | 264,000 | 264,000 | 264,000 | |
| Securities available-for-sale, at fair value | 153 | 156 | 172 | 278 | 358 | |
| Restricted stock, at cost | 5 | 8 | 10 | 16 | 6 | |
| Loans, net of allowance for credit losses of $18.9 million and $18.1 million at December 31, 2025 and 2024, respectively | 1,922 | 1,852 | 1,810 | 1,824 | — | |
| Premises and equipment, net | 693,000 | 858,000 | 997,000 | 1 | 2 | |
| Accrued interest receivable | 10 | 10 | 10 | 9 | 8 | |
| Prepaid expenses | 3 | 3 | 4 | 3 | 1 | |
| Deferred tax assets, net | 12 | 13 | 15 | 19 | 9 | |
| Goodwill and intangibles, net | 7 | 7 | 8 | 8 | 8 | |
| Bank owned life insurance | 10 | 9 | 57 | 55 | 39 | |
| Operating lease right-of-use assets | 6 | 7 | 8 | 10 | 10 | |
| Other assets | 34 | 39 | 37 | 39 | 31 | |
| Total assets | 2,292 | 2,199 | 2,191 | 2,344 | 2,203 | |
| Nonnterest-bearing | 363 | 366 | 397 | 438 | 581 | |
| Interest-bearing checking | 741 | 624 | 576 | 883 | 1,071 | |
| Deposits, Savings Deposits | 331 | 383 | 320 | — | — | |
| Time deposits | 277 | 248 | 306 | 508 | 231 | |
| Total deposits | 1,997 | 1,871 | 1,845 | 1,830 | 1,884 | |
| Other borrowed funds | 0 | 50 | 85 | 235 | 25 | |
| Subordinated notes, net of issuance costs | 19 | 19 | 20 | 20 | 20 | |
| Accrued interest payable | 2 | 3 | 2 | 1 | 1 | |
| Operating lease liabilities | 6 | 8 | 9 | 10 | 11 | |
| Reserves for unfunded commitments | 471,000 | 510,000 | 602,000 | 811,000 | — | |
| Accrued expenses and other liabilities | 14 | 14 | 11 | 16 | 53 | |
| Total liabilities | 2,039 | 1,964 | 1,973 | 2,142 | 1,993 | |
| Preferred stock, $0.01 par value | 0 | 0 | 0 | — | — | |
| Common stock, $0.01 par value | 179,000 | 182,000 | 178,000 | 175,000 | 137,000 | |
| Additional paid-in capital | 122 | 127 | 125 | 124 | 122 | |
| Retained earnings | 151 | 131 | 116 | 115 | 90 | |
| Accumulated other comprehensive (loss), net | −20 | −23 | −24 | −37 | −2 | |
| Total shareholders' equity | 254 | 235 | 217 | 202 | 210 | |
| Total liabilities and shareholders' equity | 2,292 | 2,199 | 2,191 | 2,344 | 2,203 | |
| Debt Securities, Held-to-Maturity, Fair Value | 262,000 | 256,000 | 252,000 | 252,000 | 300,000 | |
| Deposits, Wholesale | 285 | 250 | 245 | — | — |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Depreciation | 212,000 | 280,000 | 390,000 | 424,000 | 555,000 | |
| Net amortization of premium of securities | 189,000 | 237,000 | 593,000 | 607,000 | 528,000 | |
| Net accretion of deferred loan costs, fees, and other acquisition accounting adjustments | −487,000 | −1 | −2 | −2 | −6 | |
| Gain (loss) on derivative termination | 91,000 | 0 | — | — | — | |
| Income from minority membership interests | −1 | −376,000 | 1 | 33,000 | −1 | |
| Amortization of subordinated debt issuance costs | 55,000 | 59,000 | 55,000 | 55,000 | 488,000 | |
| Tax Credit Amortization | 126,000 | −150,000 | 126,000 | — | — | |
| Equity-based compensation expense | 854,000 | 789,000 | 1 | 1 | 1 | |
| Deferred income tax (benefit) expense | −29,000 | 1 | 934,000 | 395,000 | 1 | |
| Increase in accrued interest receivable, prepaid expenses and other assets | 1 | 3 | −16,000 | −9 | 9 | |
| Increase (decrease) in accrued interest payable, accrued expenses and other liabilities | −558,000 | 121,000 | −4 | 5 | −6 | |
| Net Cash Provided by (Used in) Operating Activities, Total | 24 | 18 | 16 | 22 | 19 | |
| Decrease in interest-bearing deposits at other financial institutions | −39 | −30 | 22 | 142 | −96 | |
| Payments to Acquire Debt Securities, Available-for-Sale | 3 | 2 | 0 | −47 | −246 | |
| Proceeds from sales or maturity of securities available-for-sale | 0 | 1 | 87 | — | — | |
| Proceeds from repayments, calls and maturities of securities available-for-sale | 16 | 14 | — | — | — | |
| Net redemption of restricted stock | 3 | 1 | 6 | −9 | — | |
| Net increase in loans | −71 | −41 | 14 | −334 | −32 | |
| Proceeds from Life Insurance Policy | 0 | 48 | 0 | — | — | |
| Purchases of premises and equipment, net | −47,000 | −141,000 | −212,000 | −166,000 | −485,000 | |
| Net cash used in investing activities | −95 | −9 | 149 | −226 | −344 | |
| Net increase in non-maturing deposits | 63 | 79 | −28 | −331 | — | |
| Net increase (decrease) in time deposits | 64 | −54 | 43 | 277 | −82 | |
| Issuance and Redemption of subordinated debt, net | 0 | −984,000 | 0 | — | — | |
| Net decrease in FHLB advances | −50 | −35 | −150 | 210 | — | |
| Payment, Tax Withholding, Share-Based Payment Arrangement | −53,000 | −179,000 | −113,000 | — | — | |
| Repurchases of common stock | −7 | 0 | −1 | −730,000 | 0 | |
| Payments of Ordinary Dividends, Common Stock | 2 | 0 | — | — | — | |
| Common stock issuance | 545,000 | 2 | 2 | 2 | 1 | |
| Net cash provided by (used in) financing activities | 68 | −9 | −165 | 186 | 329 | |
| Net increase (decrease) in cash and cash equivalents | −2 | 119,000 | 789,000 | −17 | 4 |
Filings
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Frequently asked questions
What is FVCBankcorp, Inc.'s CIK number?
FVCBankcorp, Inc.'s SEC CIK number is 0001675644 (1675644). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find FVCBankcorp, Inc.'s SEC filings?
All of FVCBankcorp, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did FVCBankcorp, Inc. last report earnings?
FVCBankcorp, Inc. (FVCB) most recently filed an earnings 8-K with the SEC on Apr 21, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001675644-26-000049). This is FVCBankcorp, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is FVCBankcorp, Inc.'s most recent earnings 8-K?
FVCBankcorp, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 21, 2026 under accession 0001675644-26-000049. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View FVCBankcorp, Inc.'s latest earnings 8-K →
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