# FVCBANK
FAIRFAX, VA · FDIC certificate 58696 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.36B | |
| Deposits | $2.06B | |
| Loans and leases | $1.90B | |
| Total equity | $279.7M | |
| Loans / deposits | 91.34% (p64 of band) | 87.10% |
| Liquid assets / assets | 16.85% (p31 of band) | |
| Uninsured deposits / deposits | 46.84% (p86 of band) | 30.76% |
| Brokered deposits | 10.21% | |
| Wholesale funding | 10.21% (p65 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.94% (p84 of band) | 10.50% |
| Unrealized securities loss / equity | -9.07% (p44 of band) | -7.75% |
| AOCI / equity | 0.39% (p91 of band) | |
| ROA (annualized) | 1.37% (p60 of band) | 1.26% |
| Net interest margin | 3.37% (p29 of band) | 3.70% |
| Efficiency ratio | 48.73% (p21 of band) | |
| Noncurrent loans | 0.59% (p56 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 169.81% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 49.77% (p52 of band) | |
| Auto loans | $139,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $15.7M (6% of equity) (p84 of band) | |
| Deposits YoY | 8.0% | |
| Employees | 135 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 2 |  | wholesale funding >15%, capital falling |
| 2012-03 | 3 | wholesale funding >15% |  |
| 2012-06 | 2 |  | wholesale funding >15% |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 2 |  | brokered >10% |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | brokered >10%, capital falling | reserve under noncurrent |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2015-03 | 1 |  | capital falling, loans exceed deposits, wholesale funding >15% |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 3 | wholesale funding >15% |  |
| 2016-03 | 2 |  | wholesale funding >15% |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 2 | charge-offs p90 |  |
| 2016-12 | 1 | capital falling | brokered >10%, charge-offs p90 |
| 2017-03 | 2 | brokered >10% |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | wholesale funding >15% | capital falling |
| 2017-12 | 3 | construction >100% equity |  |
| 2018-03 | 4 | capital falling |  |
| 2018-06 | 2 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 1 | construction >100% equity |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | reserve under noncurrent |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | reserve under noncurrent |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | construction >100% equity, capital falling |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | uninsured deposits >50% |  |
| 2022-09 | 0 |  | uninsured deposits >50% |
| 2022-12 | 2 | brokered >10%, wholesale funding >15% |  |
| 2023-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 1 |  | wholesale funding >15%, uninsured deposits leaving |
| 2023-12 | 3 | wholesale funding >15%, assets shrinking |  |
| 2024-03 | 2 |  | wholesale funding >15% |
| 2024-06 | 2 | deposits shrinking | assets shrinking |
| 2024-09 | 1 |  | deposits shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-04 [FVCbank Expands Into Hampton Roads with New Virginia Beach Loan Production Office - Business Wire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQMF92ZmdvNDdvM3l1SEdnZDViUkxTVlh4alkySkE0UFdfRVRkU3FtM0VDX1lLTGJzV2V0XzJPY3k4VWpaakNBSFJGc3lZVEdRdlJfVC1MRXlka1JQVzc3UHE3c2k5RXRrTk9WbTVIbm1DOTdqSHdPSk1aSXpKVV9ER1JqNlp1YVUtWVA5WEVubU9ic1J3TTlqYjRZcmo5YlI4U21iaGdWdmZ2Q1E2a2VZbmRabW9JLVN4NWVjZXc3Ums3ZkNULTk0WkJLQ1F5b3VkMThzYQ?oc=5) · Business Wire
- 2023-10-25 [Interview with Patricia Ferrick, President at FVCbank - citybiz.co](https://news.google.com/rss/articles/CBMi_gFBVV95cUxQc2NqUDAwX2ZvOGJ1U1NEdk5ERlpXVWVrQkl6bThIMkMyaWp5VjF2ekZpUTBUQlgweEhjQ0hpVFYyMklLYkgyTmlJY1BHckRaZkhkUUQwRkJIeXF6M0p4UDBkcjVDSlBXTkdHSkpNUXpDcGVTdjJ3S2J3aGpoWGxNeHNwcGJTWTMyMm0wT3gzMjdlSGZzNG50TWlOQlhrOU1vU1FWMFZ2LXhBMGkzOTBydXY0bng3dXJfdlJEUGM0TjVfclRDak95RTR0LTJkWnZ1bDhBWVhNSURLMkFlcm80TnBiUjJZc2JJdlFMZXA2WmJlYUJXU3pKazNSNmVLdw?oc=5) · citybiz.co
- 2023-05-08 [Fairfax's FVCbank rolls out online small business lending tool to speed loan approvals - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNb21JRFNjcjN4MHMtdkZOZ09FUGstaGM5Y3JrUFh2S3FGWGM0Z1BSNnJEWUE5UWRvVWs1djcyVlMxOWMxallkMlZBREVOekdZYk5NV213VnZlQ0FGYTE3dm1jejM3d1UzS2lsZWRqcUFsMUJWUmFRUjM2c3YwU2VhQV8zZHlpdlRsX0hHSElmSW5VMnRoYXRQQXBUUVdONkI0d215d0xIb3NUTTZv?oc=5) · The Business Journals
- 2025-06-25 [FVCbank Announces Executive Promotions of Jim Elliott and Steffany Watson - Business Wire](https://news.google.com/rss/articles/CBMiygFBVV95cUxOYlh6YWN2X1FDeWVsMnkydmNnZFFKWGJTdlZtRE5HcW9QNGFiNVR1NWduLXNxOU0tbjM1bFdvS1pTanJrS0tJZGJWNFhpNHN4akJqejFXenRxZ3VmY0lrR1o1MXIxRmxSdThBUko3STlQNHNIVUx5NEZqaDhqWjRFN1dkTGdkRDVyZDhoZFhfUXhRUC1nRFJCV1JrUlpTOERlX3YtZEpmRkNXRDRjNHZabVVTaEpQajhPSG5TREJSRXUzb0tpVTNmWGp3?oc=5) · Business Wire
- 2023-07-12 [Interview with David Pijor, CEO at FVCbank - citybiz.co](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQd1FfNG1rTmFfTGFjSzFUbXROMllvRnVlS0VBWDFFMkNMTERZcjczUjk0NXoyRThfYWhBejJyOWk2bWpHVzEyUXdKRk9CQmZOdFh6WDFMd3QzRmlDNFIwbENRbGZhWHFlX0Z4WlRhcnJ0Q2RNdzZQRjlQWWhmSzI2WmxHV3R1REk5bEdhaEtNaFh3enRld0Q2ZGN0cEJURFJEbEZGTTl6NHFELVA3ZmtHek9lc0gxT1c0MTdKSXF2N1pzamhOaUhUYUFpbU9rVnE5VVkxNmtmUncweHZvWFFrZGxiWG8way16cUpWd2ZidFpNeTQ?oc=5) · citybiz.co
- 2023-05-09 [FVCbank Simplifies and Streamlines Lending for Smaller Businesses - Business Wire](https://news.google.com/rss/articles/CBMivwFBVV95cUxNeWVaZ0tpcWRfS3VUTXJyZ2F6aVU4dDB4cHZVek5TN1VFZWF0N3RCWUFkYmN5dDR0UHIzVDJXNkxHdWdrWE9BbXdnTU1rMjNCNV9abUk0N3dWc3B5RXZkbTBvb2MxeEpWVktnOU8tMlNqcnJ2WG5RUTZuSHpucVpkZVl3V2UzX19vVXd6WUdNMG5MbEV0cVh6SDMxV2tpWERYdDlWbkd3elk5M1d4MkpQeEVPZDFGM1VQUFZXcExZMA?oc=5) · Business Wire
- 2025-05-06 [FVCbank Announces Promotions of Jennifer Deacon and Michael G. Nassy to Senior Executive Roles - Business Wire](https://news.google.com/rss/articles/CBMi5gFBVV95cUxONUxuZEltZ1NRNW9uTU1KY1FCVmtHZmNiaE9mYXRIQnRJMjBCNGlCakV3Mk5yYWU0SFA3QnJZc3FVWDFFNkI2RWstSUdzLWRsUkZKQ0c5Wmw3ODNLMFJSS0dUQUVEdUkxb1dIbEFxaWVsdW1ObHpPZUhpVUVXcjZaSWdnamQ1c05fNDREVTQ1X3JkQXNNeUhHckFVSi1MSWtidXRkVm4tVUlabERWRjh2RThDcHhZUTV3aHhUZWhHbG1iZEtMRXk5d25DaDZ5TTJycnhlWC1jMzBCRjZueVM4VkJIYjhQUQ?oc=5) · Business Wire
- 2022-01-20 [Blue Ridge Bankshares and FVCBankcorp Mutually Agree to Terminate Merger Agreement - Business Wire](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQSVkwWDlxZE9KeU4xbXFseFBsZC14VlJZUkI4cWk0Ny1ja0pLLWdaaDVEWnBleERBUEZXOUUtOXRPeDFTM2RPdWUtbzRHZjY4c25INE9HTFA3MXpndzZqUnRmTm5tMEVrVXY0bjVSLTFFelVsUUplekN3VmN5MzNOTkZDQWxDeUlLRE9XVEFlT2JBUGRweHZiN1JvcWxvMnlYbFJlbk8zUlVLMkxSWTRBcDk5Uy15SG11UndaNUdYX3dBNUs4T2NtV0NkOGpnYnQ4RlFSVVhn?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58696 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "58696", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide