FVCbank
Fairfax, Virginia, Fairfax County
$2.4B in total assets, the 537th largest of 4,309 US banks and 13th of 57 headquartered in Virginia.
- FDIC certificate
- 58696
- Established
- 2007
- Owned by
- Fvcbankcorp Inc
- Primary regulator
- FED
- Website
- www.fvcbank.com
At a glance
Compared with 22 banks headquartered in Virginia with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.4B | 73% | $1.8B | |
| Loans | $1.9B | 68% | $1.3B | |
| Deposits | $2.1B | 77% | $1.6B | |
| Return on assets | 1.22% | 50% | 1.19% | |
| Net interest margin | 3.37% | 36% | 3.68% | |
| Efficiency ratio | 48.7% | 18% | 60.5% | |
| Equity to assets | 11.84% | 77% | 10.33% | |
| Loans to deposits | 92% | 64% | 89% |
Growth
Total assets grew 3.7% a year over the last 5 years and 11.5% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2018 | Colombo Bank Rockville, MD | $189M |
| Oct 2012 | 1st Commonwealth Bank of Virginia Arlington, VA | $59M |
Where they operate
8 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Fairfax County, VA | $1.6B | 1.3% | 11 of 38 |
| Prince William County, VA | $279M | 4.0% | 6 of 16 |
| Arlington County, VA | $85M | 0.9% | 16 of 24 |
| Montgomery County, MD | $64M | 0.1% | 22 of 29 |
| Baltimore City County, MD | $38M | 0.1% | 16 of 19 |
| District Of Columbia County, DC | $25M | 0.0% | 29 of 34 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (5 to 8, +60.0%). 1 opened, 5 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 5 | |||
| 2016 | Opened Ashburn | 1 | 0 | +1 | 6 |
| 2018 | Acquired Colombo Bank | 5 | 0 | +5 | 11 |
| 2020 | Closed Ashburn and Silver Spring | 0 | 2 | −2 | 9 |
| 2024 | Closed Rockville | 0 | 1 | −1 | 8 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 42% | 36% | |
| Business (C&I) | 24% | 10% | |
| 1-4 family residential | 16% | 31% | |
| Multifamily | 8% | 7% | |
| Construction and land | 7% | 8% | |
| Farmland | 0% | 2% | |
| Consumer | 0% | 4% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 53% | 51% | |
| Time deposits | 27% | 24% | |
| Noninterest-bearing | 21% | 25% |
Brokered deposits are 11.7% of deposits (peers 6.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.59% | 0.33% |
| Net charge-offs, annualized | 0.00% | 0.06% |
| Reserves to loans | 1.01% | 1.02% |
| Leverage ratio | 12.94% | 10.38% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Virginia
Largest competitors in Fairfax County, VA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/fvcbank