The bank maintains a stable equity-to-assets ratio of 0.11, providing a buffer for its $2.2 billion investment securities portfolio which comprises the vast majority of its $2.3 billion in total assets.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 |
|---|
| Cash & Short Term Investments | 501.12M | 127.63M | 247.43M | 232.12M | 359.62M | 598.57M | 267.21M | 174.47M | 167.03M | 138.52M | 120.91M | 94.25M | 78.68M | 89.59M | 84.12M |
| Cash & Due from Banks | 9.44M | 127.63M | 90.95M | 60.52M | 81.55M | 240.96M | 141.06M | 33.14M | 43.49M | 22.57M | 8.68M | 28.7M | 15.98M | 32.7M | 54.99M |
| Short Term Investments | 0 | 0 | 156.47M | 171.59M | 278.07M | 357.61M | 126.15M | 141.32M | 123.54M | 115.95M | 112.23M | 65.55M | 62.7M | 56.89M | 29.13M |
| Total Investments | 2.25B | 2.08B | 2.01B | 1.98B | 2.1B | 1.85B | 1.58B | 1.41B | 1.25B | 998.66M | 875.64M | 685.11M | 567.07M | 463.14M | 356.8M |
| Investments Growth % | 12.08% | 3.33% | 1.38% | -5.76% | 13.79% | 17.14% | 11.64% | 12.79% | 25.46% | 14.05% | 27.81% | 20.82% | 22.44% | 29.8% | - |
| Long-Term Investments | 8.33B | 2.08B | 1.85B | 1.81B | 1.82B | 1.49B | 1.45B | 1.27B | 1.13B | 882.71M | 763.41M | 619.57M | 504.37M | 406.25M | 327.67M |
| Accounts Receivables | 10.55M | 10.28M | 10.31M | 10.32M | 9.44M | 8.07M | 9.13M | 4.09M | 4.05M | 2.96M | 2.5M | 1.91M | 1.58M | 1.3M | 1.13M |
| Goodwill & Intangibles | 7.27M | 7.29M | 7.42M | 7.58M | 7.79M | 8.05M | 8.36M | 8.69M | 8.44M | 99K | 119K | 139.4K | 159.8K | 180.2K | 200.6K |
| Goodwill | 0 | 7.16M | 7.16M | 7.16M | 7.16M | 7.16M | 7.16M | 7.16M | 6.51M | 400 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 7.27M | 138K | 263K | 428K | 633K | 895K | 1.2M | 1.53M | 1.93M | 98.6K | 119K | 139.4K | 159.8K | 180.2K | 200.6K |
| PP&E (Net) | 6.36M | 6.75M | 7.98M | 9.39M | 10.9M | 11.75M | 12.78M | 15.36M | 2.27M | 1.24M | 1.27M | 1.51M | 1.74M | 2.01M | 1.94M |
| Other Assets | 44.7M | 48.91M | 56.75M | 102.86M | 110.11M | 76.17M | 63.43M | 54.7M | 30.95M | 23.84M | 16.13M | 15.1M | 14.27M | 3.17M | 4.6M |
| Total Current Assets | 19.99M | 141.22M | 261.15M | 245.94M | 372.33M | 608.04M | 276.97M | 179.11M | 171.97M | 142.18M | 124.01M | 96.8M | 80.99M | 91.51M | 85.8M |
| Total Non-Current Assets | 2.32B | 2.15B | 1.94B | 1.94B | 1.97B | 1.59B | 1.54B | 1.36B | 1.18B | 911.04M | 785.29M | 640M | 523.76M | 415.21M | 336.97M |
| Total Assets | 2.34B | 2.29B | 2.2B | 2.19B | 2.34B | 2.2B | 1.82B | 1.54B | 1.35B | 1.05B | 909.31M | 736.81M | 604.76M | 506.72M | 422.76M |
| Asset Growth % | 6.9% | 4.24% | 0.38% | -6.56% | 6.42% | 20.94% | 18.49% | 13.74% | 28.33% | 15.83% | 23.41% | 21.84% | 19.35% | 19.86% | - |
| Return on Assets (ROA) | 1.01% | 0.98% | 0.69% | 0.17% | 1.1% | 1.09% | 0.92% | 1.1% | 0.9% | 0.78% | 0.84% | 0.81% | 0.74% | 0.48% | 0.35% |
| Accounts Payable | 2.04M | 2.08M | 2.5M | 2.42M | 1.27M | 1.03M | 685K | 605K | 811K | 417K | 170.37K | 132.74K | 153.06K | 197.79K | 303.78K |
| Total Debt | 30.54M | 25.24M | 76.33M | 113.86M | 294.96M | 55.62M | 81.21M | 63.17M | 24.41M | 24.33M | 51.25M | 71.3M | 65M | 26M | 5M |
| Net Debt | 21.1M | -102.39M | -14.62M | 53.34M | 213.41M | -185.34M | -59.85M | 30.03M | -19.09M | 1.76M | 42.56M | 42.6M | 49.02M | -6.7M | -49.99M |
| Long-Term Debt | 24.45M | 18.75M | 18.7M | 19.62M | 19.57M | 19.51M | 44.09M | 24.49M | 24.41M | 24.33M | 24.25M | 35.65M | 32.5M | 11.5M | 2.5M |
| Short-Term Debt | 0 | 0 | 50M | 85M | 265M | 25M | 25M | 25M | 0 | 0 | 27M | 35.65M | 32.5M | 14.5M | 2.5M |
| Other Liabilities | 2.04B | 14.07M | 14.15M | 602K | 0 | 0 | 0 | 0 | 0 | 0 | 459.07M | 626.64M | 505.44M | 432.99M | -2.5M |
| Total Current Liabilities | 6.09M | 2B | 1.92B | 1.94B | 2.11B | 1.96B | 1.58B | 1.32B | 1.17B | 930.61M | 805.25M | 664.06M | 537.94M | 445.81M | 383.62M |
| Total Non-Current Liabilities | 2.08B | 39.3M | 40.49M | 29.46M | 29.96M | 30.62M | 56.21M | 38.17M | 24.41M | 24.33M | 24.25M | 662.29M | 537.94M | 444.49M | 2.5M |
| Total Liabilities | 2.08B | 2.04B | 1.96B | 1.97B | 2.14B | 1.99B | 1.63B | 1.36B | 1.19B | 954.94M | 829.49M | 664.06M | 537.94M | 445.81M | 383.62M |
| Total Equity | 260.33M | 253.6M | 235.35M | 217.12M | 202.38M | 209.8M | 189.5M | 179.08M | 158.34M | 98.28M | 79.81M | 72.75M | 66.81M | 60.9M | 39.14M |
| Equity Growth % | 30.76% | 7.75% | 8.4% | 7.28% | -3.53% | 10.71% | 5.82% | 13.1% | 61.1% | 23.14% | 9.7% | 8.89% | 9.71% | 55.59% | - |
| Equity / Assets (Capital Ratio) | 11.15% | 11.06% | 10.7% | 9.91% | 8.63% | 9.52% | 10.4% | 11.65% | 11.71% | 9.33% | 8.78% | 9.87% | 11.05% | 12.02% | 9.26% |
| Return on Equity (ROE) | 9.25% | 9.02% | 6.66% | 1.82% | 12.12% | 10.99% | 8.41% | 9.38% | 8.47% | 8.64% | 9.09% | 7.77% | 6.47% | 4.45% | 3.78% |
| Book Value per Share | 14.37 | 13.89 | 12.79 | 11.91 | 10.95 | 11.51 | 10.73 | 9.66 | 9.88 | 6.81 | 5.85 | 5.50 | 5.20 | 5.41 | 3.10 |
| Tangible BV per Share | 13.97 | 13.49 | 12.39 | 11.49 | 10.53 | 11.07 | 10.25 | 9.19 | 9.35 | 6.80 | 5.84 | 5.48 | 5.19 | 5.40 | 3.08 |
| Common Stock | 180K | 179K | 182K | 178K | 175K | 137K | 135K | 139K | 137K | 109K | 81.43K | 64.9K | 25.95M | 25.88M | 17.74M |
| Additional Paid-in Capital | 122.69M | 122.14M | 127.47M | 125.21M | 123.89M | 121.8M | 119.57M | 125.78M | 123.88M | 74.01M | 63.14M | 62.34M | 35.73M | 35.18M | 21.97M |
| Retained Earnings | 156.17M | 150.86M | 130.97M | 115.89M | 114.89M | 89.9M | 67.97M | 52.47M | 36.73M | 25.86M | 17.88M | 10.96M | 5.54M | 1.38M | -848.43K |
| Accumulated OCI | -18.71M | -19.58M | -23.27M | -24.16M | -36.57M | -2.04M | 1.83M | 690K | -2.41M | -1.69M | -1.3M | -613.93K | -403.64K | -1.54M | 277.21K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE and funding concentration
According to recent financial statements, FVCB has maintained a stable asset base of $2.3 billion as of 2026Q1, with the balance sheet composition heavily weighted toward a $2.2 billion investment securities portfolio, suggesting a defensive posture rather than aggressive organic loan book expansion in the current cycle.
The bank's reliance on securities over loan growth indicates a strategic preference for liquidity and interest rate management over credit risk expansion. This trajectory suggests that management is prioritizing capital preservation and regulatory compliance over aggressive market share gains in the competitive D.C. metro area.
As reported in quarterly filings, FVCB's equity-to-assets ratio has remained consistently at 0.11 through 2026Q1, providing a stable capital buffer that appears sufficient to absorb potential volatility within its concentrated commercial real estate and government-contracting-focused loan portfolio without requiring immediate external capital raises.
The consistency of the equity-to-assets ratio reflects a disciplined approach to capital management that aligns with the bank's conservative leverage profile. Investors should monitor whether this capital level remains adequate if the bank shifts toward more aggressive lending or if credit losses exceed current provisioning levels.
Based on the bank's reported figures, cash and equivalents reached $9.4 million in 2026Q1, following a significant reduction from the $228.9 million peak in 2025Q3, which suggests a tactical deployment of liquidity into higher-yielding assets or a normalization of the bank's cash management strategy.
The fluctuation in cash balances highlights the bank's active management of its liquidity profile to navigate the interest rate environment. While the current cash position appears lower than recent peaks, the bank's ability to pivot between cash and securities suggests a flexible approach to maintaining operational liquidity.
Financial disclosures indicate that FVCB holds $2.2 billion in investment securities against $2.3 billion in total assets, a high concentration that warrants further investigation into the duration and credit quality of these holdings, as they represent the primary source of potential interest rate sensitivity.
This heavy reliance on a securities-dominated balance sheet may mask underlying credit risks in the loan book while exposing the bank to significant unrealized losses if interest rates remain elevated. The lack of diversification away from this securities-heavy model suggests that the bank's earnings are highly sensitive to market-wide yield fluctuations.
Quick answers to the most common questions about buying FVCB stock.
As of 2025, FVCBankcorp, Inc. (FVCB) had total assets of $2.29B including $141.2M in current assets.
FVCBankcorp, Inc. (FVCB) carries total debt of $25.2M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
FVCBankcorp, Inc. (FVCB) has total shareholders' equity (book value) of $253.6M ($13.89 book value per share). Book value represents the net worth of the company belonging to common stock holders.
FVCBankcorp, Inc. (FVCB) reported a current ratio of 0.07x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.