BlastPoint's Banking Scorecard
FVCbank
Designations: ✓ Community bank
Fairfax, VA
8 branches across VA · MD · DC
FVCbank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.14% below tier average
- + Delinquency Rate 0.25% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.3% in tier
- - Liquidity Strain: Bottom 13.8% in tier
- - Non-Interest Income / Assets 0.22% below tier average
- - ROA 0.15% below tier average
- - Net Interest Margin 0.58% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+4.3% YoY
+1.9% QoQ
|
-$484.8M |
$2.8B
-0.1% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$1.9B
+2.2% YoY
-0.9% QoQ
|
-$60.7M |
$2.0B
+0.6% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$2.0B
+6.8% YoY
+1.9% QoQ
|
-$306.1M |
$2.3B
-0.3% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
60% |
| Return on Assets ? |
1.22%
+21.7% YoY
+15.8% QoQ
|
-0.15% |
1.37%
+19.6% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
3.24%
+12.0% YoY
+7.6% QoQ
|
-0.58% |
3.82%
+6.9% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
50.92%
-8.3% YoY
-4.4% QoQ
|
-10.14% |
61.06%
-4.6% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
0.64%
+11.0% YoY
+12.8% QoQ
|
-0.25% |
0.89%
+14.1% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
93.47%
-4.3% YoY
-2.8% QoQ
|
+9.26% |
84.20%
+0.3% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
18.59%
-3.7% YoY
+2.0% QoQ
|
-2.70% |
21.29%
-2.5% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.52%
+8.7% YoY
+9.6% QoQ
|
-0.15% |
0.67%
+15.6% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
14.83%
+5.4% YoY
+3.2% QoQ
|
-0.33% |
15.16%
+2.0% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.04%
+26.4% YoY
-76.2% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.8% in tier |
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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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.