BlastPoint's Banking Scorecard

FVCbank

$1B-$10B Specialty: Commercial VA FDIC cert 58696

Designations: ✓ Community bank

Fairfax, VA

8 branches across VA · MD · DC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
Deposits +8.0% year over year ($2.1B on the books).
Delinquency rate 0.60%.
Return on assets 1.37%.
Efficiency ratio 48.73% vs a 59.73% peer average.
Loan-to-deposit ratio 91.34% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 23 in VA

View $1B-$10B leaderboard (VA) →

FVCbank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 11.00% below tier average
+ Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.7% in tier
- Liquidity Strain: Bottom 9.1% in tier
- Net Interest Margin 0.50% below tier average

Get updates when FVCbank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$2.4B +5.8% YoY +1.4% QoQ	-$430.6M	$2.8B -0.6% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	59%
Total Loans ?	$1.9B +1.6% YoY -1.3% QoQ	-$83.0M	$2.0B -0.3% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	64%
Total Deposits ?	$2.1B +8.0% YoY +1.0% QoQ	-$260.3M	$2.3B -0.5% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	61%
Return on Assets ?	1.37% +31.3% YoY +12.4% QoQ	-0.02%	1.39% +17.0% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	60%
Net Interest Margin ?	3.37% +14.0% YoY +3.8% QoQ	-0.50%	3.87% +6.2% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	29%
Efficiency Ratio ?	48.73% -10.8% YoY -4.3% QoQ	-11.00%	59.73% -12.6% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	0.60% +5.1% YoY -6.6% QoQ	-0.27%	0.87% +11.7% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	91.34% -6.0% YoY -2.3% QoQ	+6.30%	85.04% -0.1% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	36%
Non-Interest-Bearing Deposit Share ?	20.50% +9.1% YoY +10.3% QoQ	-0.77%	21.27% -1.5% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	0.48% +0.9% YoY -9.0% QoQ	-0.20%	0.67% +11.7% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	45%
Tier 1 Capital Ratio ?	15.41% +7.8% YoY +3.9% QoQ	+0.56%	14.84% -0.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.13% +70.8% YoY +239.0% QoQ	-0.40%	0.53% +2.5% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	Bottom 14.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Noninterest-Bearing	20.5% +1.7pp YoY +1.9pp QoQ	-0.9pp	21.4%	26.2%	22.2%	54%
Brokered Deposits	11.7% -0.6pp YoY -1.0pp QoQ	+2.3pp	9.5%	8.5%	8.5%	73%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	24.7% +4.7pp YoY +1.1pp QoQ	+10.7pp	14.0%	11.0%	12.5%	87%
CRE	58.2% -4.4pp YoY -2.3pp QoQ	+8.2pp	50.0%	46.9%	41.4%	72%
1-4 Family	16.7% -1.2pp YoY +1.1pp QoQ	-9.8pp	26.4%	32.6%	31.3%	35%
Consumer	0.1% -0.2pp YoY 0.0pp QoQ	-4.6pp	4.7%	8.0%	5.0%	13%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	15.4% +1.1pp YoY +0.6pp QoQ	-0.2pp	15.6%	17.2%	19.7%	74%
Leverage Ratio	12.9% +1.0pp YoY +0.3pp QoQ	+1.6pp	11.3%	12.2%	12.6%	84%
Total Capital Ratio	16.5% +1.2pp YoY +0.6pp QoQ	-0.2pp	16.7%	18.3%	20.8%	72%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	135 +17 (+14.4%) YoY +8 (+6.3%) QoQ	-179	313	1,956	482	18%
Assets per Employee ($)	$17.5M -7.5% YoY -4.6% QoQ	+$7.0M	$10.5M	$9.9M	$8.8M	93%
Branch Count	8 0 YoY 0 QoQ	-12	20	28	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	46%
Nonaccrual	0.6% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.8%	0.7%	1.0%	55%
Allowance Coverage	1.70x -0.7% YoY +8.4% QoQ	-17.01x	18.71x	9.47x	20.23x	42%
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	11.7% +2.5pp YoY +1.2pp QoQ	-0.9pp	12.6%	12.0%	11.6%	47%
Cost of Funds (YTD)	2.1% -0.4pp YoY -0.1pp QoQ	+0.2pp	1.9%	1.7%	1.7%	64%
Net Income ($, YTD)	$15.9M +37.6% YoY — QoQ	-$3.3M	$19.2M	$137.1M	$40.4M	62%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#8 of 402 • Bottom 1.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#34 of 361 • Bottom 9.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.34%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

177

Efficiency Ratio

profitability

Value: 48.73%

Peer Median: 59.73%

#177 of 885 Top 19.9% in $1B-$10B

207

Tier 1 Capital Ratio

capital

Value: 15.41%

Peer Median: 14.84%

#207 of 885 Top 23.3% in $1B-$10B

Top Weaknesses (1 metrics)

762

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.53%

#762 of 885 Bottom 14.0% in $1B-$10B