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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Virginia, the state note

Fvcbank

Fairfax, Virginia · $2.36B in assets · beside the 11 other Virginia banks between $1B and $3B

The filing

48.8%
Efficiency
3rd of 12
46.2%
CRE / loans
9th of 12
1.42%
ROA
4th of 12

Fvcbank is the third largest of the 12 Virginia banks nearest its size between $1B and $3B, with $2.36B in assets at 30 June 2026. Loans are 92.3% of deposits, 8th of 12 against a median of 91.1%, and equity is 11.8% of assets, 5th of 12. Loans grew +1.6% in the year, 8th of 12, and deposits grew 8.0%; the cohort's median loan growth is +3.7%.

Noncurrent loans are 0.59% of the book, 8th of 12 against a median of 0.39%; 0.10% is 30 to 89 days past due, and the allowance covers them 1.7 times. Commercial real estate is 46.2% of loans, 9th of 12 against a median of 41.6%, and 284% of capital, below the 300% screen, with construction at 45% against the 100% screen.

Return on assets is 1.42%, 4th of 12 against a median of 1.17%, on an efficiency ratio of 48.8%, 3rd of 12. Five years ago it was 1.27%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioVA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 61.9% CB Chain Bridge Bank N.A. 40.4% VN Virginia National Bank 44.6% F Fvcbank 48.8% JM John Marshall Bank 49.1% NB National Bank of Blacksburg 59.2% OD Old Dominion National Bank 61.4% Bo Bank of Clarke 62.5% CF Citizens & Farmers Bank 64.8% MB Mainstreet Bank 65.0% CB Chesapeake Bank 65.8% FB First Bank 67.3% BR Blue Ridge Bank N.A. 89.8%
Loans, year over yearVA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +3.7% CB Chesapeake Bank +18.5% MB Mainstreet Bank +9.0% OD Old Dominion National Bank +8.2% CF Citizens & Farmers Bank +6.0% JM John Marshall Bank +5.1% Bo Bank of Clarke +4.4% FB First Bank +3.0% F Fvcbank +1.6% NB National Bank of Blacksburg +0.3% VN Virginia National Bank -0.6% CB Chain Bridge Bank N.A. -4.7% BR Blue Ridge Bank N.A. -6.9%

SBA 7(a), FY2008 to FY2026

Fvcbank is the 87th largest 7(a) lender into Virginia of 332, with $14M across 15 loans, 0.2% of everything approved in the state (Live Oak Banking Company leads with $669M). 7 of its 7 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Virginia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Prince William, VA$7M15th of 1051.9%quiet FY2018
Fairfax, VA$6M42nd of 1690.5%quiet FY2019
District Of Columbia, DC$5M37th of 1300.6%quiet FY2022
Loudoun, VA$1M74th of 1340.2%quiet FY2019
Prince Georges, MD$300K123rd of 1380.0%quiet FY2016
Alexandria City, VA$245K69th of 830.1%quiet FY2019
Baltimore, MD$100K126th of 1300.0%quiet FY2008
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Professional & technical services4$6M28.7%0.02%421st of 1,955
Accommodation & food services9$5M27.1%0.01%798th of 2,596
Other services1$4M22.5%0.01%603rd of 2,248
Manufacturing1$2M9.6%0.00%1127th of 2,246
Health care & social assistance4$692K3.6%0.00%1338th of 2,172
7(a) lenders into Virginia, share of approvals since FY2008332 lenders on record; the ten largest and Fvcbank
LO Live Oak Banking Company 9.2% $669M · 493 loans TB Truist Bank 6.8% $497M · 1,580 loans WF Wells Fargo Bank National Associa… 5.0% $365M · 1,549 loans AU Atlantic Union Bank 4.0% $294M · 765 loans Ma Manufacturers and Traders Trust C… 3.5% $254M · 1,602 loans TH The Huntington National Bank 3.0% $219M · 454 loans FN First National Bank of Pennsylvan… 2.4% $176M · 195 loans PB Primis Bank 2.4% $175M · 522 loans G Gbank 2.3% $170M · 69 loans TF The First Bank and Trust Company 2.2% $161M · 227 loans F Fvcbank 0.2% $14M · 15 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
FvcbankRankCohort median
Total CRE against capital, the 300% screen284%9th of 12261%
Construction against capital, the 100% screen45%7th of 1244%
Construction and land development, share of loans7.3%6th of 127.5%
Non-owner-occupied nonfarm nonresidential, share of loans30.8%11th of 1226.2%
Total CRE, the guidance definition, share of loans46.2%9th of 1241.6%
CRE growth over 36 months, the third prong-17.0%2nd of 12+15.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Citizens & Farmers Bank$2.79B1.3%64.8%0.09%0.57%1.8%90.7%11.7%
John Marshall Bank$2.40B1.2%49.1%0.01%0.01%1.0%100.9%12.3%
Fvcbank$2.36B1.4%48.8%0.59%0.00%1.0%92.3%11.8%
Blue Ridge Bank N.A.$2.31B0.0%89.8%1.68%0.03%1.2%98.0%10.6%
Mainstreet Bank$2.24B0.9%65.0%3.15%0.03%1.0%100.5%12.5%
Chain Bridge Bank N.A.$2.19B1.8%40.4%0.00%0.00%1.4%13.7%8.1%
First Bank$2.07B1.1%67.3%0.32%0.09%1.0%80.6%9.4%
Bank of Clarke$1.85B1.0%62.5%1.07%0.29%1.2%93.9%12.0%
National Bank of Blacksburg$1.83B0.6%59.2%0.06%0.02%1.0%61.4%9.2%
Old Dominion National Bank$1.80B0.8%61.4%0.85%0.26%0.9%91.5%10.7%
Chesapeake Bank$1.72B1.7%65.8%0.24%0.07%1.1%75.0%10.7%
Virginia National Bank$1.64B1.9%44.6%0.47%0.00%0.7%87.5%11.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
FvcbankCohort median
20212026Change20212026Change
Loans$1.47B$1.90B+29%$1.02B$1.50B+46%
Deposits$1.69B$2.06B+22%$1.47B$1.87B+27%
NPA / loans0.28%0.59%+0.32 pts0.26%0.39%+0.14 pts
Efficiency49.4%48.8%-0.6 pts65.5%61.9%-3.5 pts
ROA1.27%1.42%+0.15 pts1.21%1.17%-0.05 pts

This read was prepared for Fvcbank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Fvcbank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort VA banks $1B to $3B
Institution www.fvcbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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