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FVCbank

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uuid0002vt2

Namestring
FVCbank
Legal namestring
FVCBankcorp, Inc.
Websiteurl
fvcbank.com
Company typeenum
Public
Founded yearint
2007
Descriptiontext

FVCbank is a publicly traded community bank (NASDAQ: FVCB) headquartered in Fairfax, Virginia, operating nine full-service branches across Washington DC, Maryland, and Northern Virginia with assets exceeding $2 billion. Founded in November 2007, the bank provides commercial and consumer banking products to small and mid-sized businesses, government contractors, cannabis-related businesses, nonprofits, and individuals. Its product set spans business and personal checking, savings and money market accounts, CDs (including CDARS), commercial lending (lines of credit, term loans, SBA, construction, asset-based, commercial mortgages), treasury management, merchant services, HELOCs, credit cards (issued through TCM Bank), and residential mortgages via affiliate Atlantic Coast Mortgage. The bank differentiates through vertical specialization, particularly a dedicated Government Contractor Banking Group and cannabis banking practice serving the DMV market. Its distribution combines physical branches with a digital ecosystem including online and mobile banking, an AI-assisted digital lending platform (Lightning Lending) for business loans up to $350,000 with 48-hour funding, and a financial intelligence tool (Business Insights) powered by fintech partner Monit.

FVCbank's revenue model is anchored in net interest income from loans and investment securities, supplemented by transaction fees on loan originations, deposit and treasury service charges, merchant services fees, and commission income from affiliated insurance entities (Bearing Insurance Group and Bankers Insurance Group, in which FVCbank holds ownership interests). Loan pricing ranges from custom commercial commitments of $1M-$30M+ to standardized Lightning Lending digital originations, while deposit products use tiered monthly fee structures with earnings credits for commercial accounts. Recent strategic activity reflects active growth: a $25M oversubscribed senior notes placement (Feb 2026), redemption of $19M subordinated debt (Jan 2026), opening of a Virginia Beach Loan Production Office for Hampton Roads expansion (April 2026), and an extended share repurchase program covering ~8% of outstanding shares. The bank received an initial BBB long-term issuer rating with stable outlook from Morningstar DBRS in December 2025, establishing formal investment-grade credit standing. Ownership of the publicly listed parent FVCBankcorp, Inc. includes a minority equity stake in Atlantic Coast Mortgage, whose 2026 acquisition of Tidewater Mortgage Services adds approximately 45 loan originators to the affiliated mortgage channel.

Short descriptiontext

FVCbank is a publicly traded community bank (NASDAQ: FVCB) operating nine branches across Washington DC, Maryland, and Virginia, serving SMBs, government contractors, cannabis businesses, nonprofits, and consumers with deposit, lending, treasury management, and digital banking products.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
101–250
akta.pro rankint
HeadquartersFairfax, United States
HQ citystring
Fairfax
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Offices4 records

Each record includes

City, Country, Type, Description, Source

Keyword5 values
community banking services, commercial lending products, government contractor banking, treasury management services, cannabis business banking
Industry2 codes
PRIMARYFSAMAKAH
Lending & Credit Disbursements
Financial & Insurance/Payments & Transaction Processing/Payroll & Payouts / Disbursements
SECONDARYFSABAAAC
Credit Cards & Revolving Credit
Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking
NAICS code2 codes
  • Commercial Banking52211
  • Depository Credit Intermediation5221
SIC code2 codes
  • State Commercial Banks6022
  • Short-Term Business Credit Institutions6153
Product category
Community Banking
GTM motion3 records

Each record includes

Type, Description, Source

Revenue model5 records
1Net Interest Income
TypeSubscription Recurring
Description

Primary revenue stream from interest earned on loans (commercial, consumer, residential mortgage, construction) and investment securities, offset by interest paid on deposits. As a community bank, this is the core earnings driver.

fvcbank.com
2Loan Fees and Origination Income
TypeTransaction Fee
Description

Fees collected on loan originations, renewals, and modifications including commercial lending, Lightning Lending digital loans, and residential mortgages referred through Atlantic Coast Mortgage.

fvcbank.com
3Deposit and Treasury Service Charges
TypeTransaction Fee
Description

Non-interest income from deposit account service charges, analysis fees on commercial accounts, treasury management fees, merchant services fees, and wire transfer fees.

fvcbank.com
4Insurance Commission Income
TypeAffiliate Referral
Description

Revenue from insurance product referrals and partnerships through Bearing Insurance Group (business insurance) and Bankers Insurance Group (personal insurance). FVCbank has ownership interests in both insurance entities.

fvcbank.com
5Dividend and Capital Returns
TypeSubscription Recurring
Description

Returns to parent company FVCBankcorp through quarterly cash dividends ($0.06–$0.07 per share), share repurchase programs, and strategic capital management including senior notes issuance ($25M at 6.75% in 2026).

morningstar.com
Marketing channels7 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels7 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components5 values
Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Pricing details8 tiers
1Lightning Lending digital business loans up to $350,000
ModelTransaction based/ take rateBilling cadencePay-as-you-go
Notes

Instant approval and loan amounts up to $350,000. Receive funds in as little as 48 hours. No application fee disclosed. Business must be registered in Virginia, Maryland, or DC; minimum 2 years old; minimum credit score of 670; 80%+ ownership required.

fvcbank.com
2Business Checking accounts
ModelHybridBilling cadenceMonthly
Notes

Business Checking: $200 minimum opening, no minimum balance, no charge for ≤500 transactions/month, $0.25 per transaction over 500. Commercial Checking: $12 monthly maintenance fee offset by earnings credit on balances. Business Interest Checking: $1,000 minimum balance to avoid $10 monthly fee. Nonprofit Advantage: $1,000 minimum balance to avoid $12 monthly fee.

fvcbank.com
3Business Savings, Money Market, and CD accounts
ModelSubscriptionBilling cadenceMonthly
Notes

First Business Savings: $200 minimum to open, no monthly service charge. First Business Money Market: $2,500 average daily balance to avoid $12 monthly fee. Business CDs: $1,000 minimum, flexible terms 3–60 months, competitive rates. CDARS and ICS available for FDIC-insured multi-million dollar deposits.

fvcbank.com
4HELOC — Wall Street Journal Prime + 1.50%
ModelUsage-basedBilling cadenceMonthly
Notes

APR is WSJ Prime + 1.50% (as of 5/23/22). Minimum APR 4.75%, maximum APR 18%. Borrow up to 80% of home value. Closing costs range $300–$7,000. Minimum credit line $10,000.

fvcbank.com
5Personal Checking accounts
ModelHybridBilling cadenceMonthly
Notes

Free Personal Checking: $50 minimum opening, no monthly maintenance fee, no minimum balance. Student Checking: available to students up to age 25. Senior Checking: no maintenance fees, complimentary services for those age 50+. Interest Checking: $1,000 minimum daily balance to avoid $10 monthly fee.

fvcbank.com
6Personal Credit Cards — Visa Platinum
ModelTransaction based/ take rateBilling cadenceMonthly
Notes

Three options: Rewards Platinum (1 point per dollar), Cash Rewards Platinum (1% cash back), Platinum Edition (low interest). No annual fee on all options. 0% introductory APR for first 6–12 months on purchases and balance transfers. Cards issued by TCM Bank, N.A.

fvcbank.com
7Business Credit Cards — Visa Platinum
ModelTransaction based/ take rateBilling cadenceMonthly
Notes

Four options: Small Business Rewards, Small Business Cash Rewards, Small Business Edition, Company Rewards Charge Card. No annual fee on most options. 0% introductory APR for first 6 months on purchases and balance transfers.

fvcbank.com
8IRA CDs — $1,000 minimum
ModelSubscriptionBilling cadencePay-as-you-go
Notes

$1,000 minimum to open. Flexible terms 3 to 60 months. Interest can be compounded, deposited directly, or paid by check.

fvcbank.com
GTM typeB2B and B2C
B2B and B2C
Offering typeServices
Services
Brand1 of 4 records shown
1LifeBundled
Description

A bundled banking package offering personal banking services, digital tools, and expert support organized by life stage (Start, Grow, Secure, Thrive packages).

fvcbank.com
+3 more records
Core offering1 text field

FVCbank is a community bank that provides deposit accounts (business and personal checking, savings, money market, CDs), commercial and consumer loans (commercial lending, SBA, government contractor lending, HELOC, personal loans, residential mortgages), treasury management, merchant services, credit cards, and HSA/IRA products to businesses, nonprofits, government contractors, cannabis-related businesses, and individual consumers across the DC, Maryland, and Virginia metro area. The bank distributes these services through nine branches, online and mobile banking, the Lightning Lending digital origination platform, and partnerships with Atlantic Coast Mortgage, Bearing Insurance, and Bankers Insurance.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 5 values shown
  • 48-hour funding for Lightning Lending digital business loans up to $350,000
+4 more records
Product overview1 text field

FVCbank is a community bank offering a comprehensive digital banking platform with both core banking products and fintech-powered add-on services. The core platform consists of business and personal banking (checking, savings, lending, credit cards) enhanced by digital-first products including Lightning Lending (AI-powered instant lending), Business Insights (AI-powered financial forecasting), and LifeBundled (tiered bundled packages). The bank serves diverse industries including government contractors, cannabis businesses, general contractors, and nonprofits with specialized banking solutions. Treasury management, merchant services, insurance products, and Zelle peer-to-peer payments extend the platform's capabilities.

Product and service1 record
1Business Checking
CategoryBusiness Deposit Accounts
Scale indicator9 records

Each record includes

Type, Value, Description, Source

Partnership3 partners
1Atlantic Coast Mortgage
Strategic tierCoreTypeStrategic or Co-development Partner
Description

FVCbank holds a minority interest in Atlantic Coast Mortgage, which serves as the bank's primary residential mortgage lending partner. Atlantic Coast Mortgage refers customers to FVCbank and acquired Tidewater Mortgage Services (adding approximately 45 new loan officers and support staff), expected to positively impact earnings in 2026. ACM has over 11,000 5-star client reviews and operates as a full-service residential mortgage lender.

2Bearing Insurance Group
Strategic tierCoreTypeChannel Partner/ Reseller/ Distributor
Description

FVCbank offers business insurance products through Bearing Insurance Group. Bearing Business Owners policy is designed for small- to medium-sized businesses, combining property coverage, liability, and additional coverage areas. FVCbank has an ownership interest in Bearing Insurance.

3Bankers Insurance Group
Strategic tierCoreTypeChannel Partner/ Reseller/ Distributor
Description

FVCbank refers personal insurance products (homeowners, auto, life, flood, boat, umbrella) through Bankers Insurance Group. FVCbank has an ownership interest in Bankers Insurance.

Recent move7 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight6 records

Each record includes

Type, Description

Peers10 records
1Eagle Bancorp
TypeDirect peer
Description

Bethesda, Maryland-based community bank focused on commercial lending, government contractor banking, and CRE in the DC metro — directly comparable to FVCbank's vertical mix and regional footprint.

2Sandy Spring Bancorp
TypeDirect peer
Description

Columbia, Maryland-based commercial and retail bank serving the Mid-Atlantic with similar SMB, commercial real estate, and government contractor lending orientation as FVCbank.

3Atlantic Union Bankshares
TypeDirect peer
Description

Virginia-headquartered regional commercial bank with comparable business banking, commercial lending, and branch network in the same Virginia and DMV geographies as FVCbank.

4TowneBank
TypeDirect peer
Description

Portsmouth, Virginia-based community bank with similar Hampton Roads presence where FVCbank is now expanding, and comparable SMB and commercial banking offerings.

5Truxton Corporation
TypeDirect peer
Description

Nashville-based community bank often used as a head-to-head banking peer for FVCbank in analyst comparisons, with comparable size, profitability metrics, and SMB focus.

6Burke & Herbert Financial Services
TypeDirect peer
Description

Alexandria, Virginia-headquartered community bank with deep DC Metro roots, serving similar SMB and government contractor segments as FVCbank.

7WesBanco
TypeDirect peer
Description

Mid-Atlantic and Midwest community bank with comparable commercial lending, deposit-gathering, and treasury management offerings for SMB and middle-market clients.

8Capital Bancorp
TypeDirect peer
Description

Rockville, Maryland-based commercial bank with overlapping DMV-area footprint, business banking, and commercial lending products comparable to FVCbank's mix.

9CVB Financial
TypeDirect peer
Description

California-based community bank frequently grouped with FVCbank in community-bank performance screens; comparable size, profitability profile, and commercial banking orientation.

10Pacific Premier Bancorp
TypeBroad incumbent
Description

Larger California-headquartered commercial bank with similar SMB, business banking, and treasury management capabilities, though serving a different primary geography; useful as a scaled commercial-banking peer benchmark.

Market position
Strengths5 records

Each record includes

Headline, Details, Source

Weaknesses5 records

Each record includes

Headline, Details, Source

Competitive moat5 records

Each record includes

Type, Details

Key risks5 records

Each record includes

Headline, Details, Source

Key highlights7 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Named customers2 records

Each record includes

Name, Industry, Type, Use case, Source, UUID

Segment6 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile6 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

Integration11 records

Each record includes

Title, Type, Description, Source

AI capability5 records

Each record includes

Type, Description, Source

AI maturity
App detail

Has app

Feature6 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles9 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

Subsidiaries2 records

Each record includes

Name, Acquired on, Relationship type, Type, Business focus

No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds4 records

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment3 records

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

FVCbank

Community Bankingfvcbank.com

FVCbank is a publicly traded community bank (NASDAQ: FVCB) operating nine branches across Washington DC, Maryland, and Virginia, serving SMBs, government contractors, cannabis businesses, nonprofits, and consumers with deposit, lending, treasury management, and digital banking products.

What FVCbank does

FVCbank is a publicly traded community bank (NASDAQ: FVCB) headquartered in Fairfax, Virginia, operating nine full-service branches across Washington DC, Maryland, and Northern Virginia with assets exceeding $2 billion. Founded in November 2007, the bank provides commercial and consumer banking products to small and mid-sized businesses, government contractors, cannabis-related businesses, nonprofits, and individuals. Its product set spans business and personal checking, savings and money market accounts, CDs (including CDARS), commercial lending (lines of credit, term loans, SBA, construction, asset-based, commercial mortgages), treasury management, merchant services, HELOCs, credit cards (issued through TCM Bank), and residential mortgages via affiliate Atlantic Coast Mortgage. The bank differentiates through vertical specialization, particularly a dedicated Government Contractor Banking Group and cannabis banking practice serving the DMV market. Its distribution combines physical branches with a digital ecosystem including online and mobile banking, an AI-assisted digital lending platform (Lightning Lending) for business loans up to $350,000 with 48-hour funding, and a financial intelligence tool (Business Insights) powered by fintech partner Monit.

FVCbank's revenue model is anchored in net interest income from loans and investment securities, supplemented by transaction fees on loan originations, deposit and treasury service charges, merchant services fees, and commission income from affiliated insurance entities (Bearing Insurance Group and Bankers Insurance Group, in which FVCbank holds ownership interests). Loan pricing ranges from custom commercial commitments of $1M-$30M+ to standardized Lightning Lending digital originations, while deposit products use tiered monthly fee structures with earnings credits for commercial accounts. Recent strategic activity reflects active growth: a $25M oversubscribed senior notes placement (Feb 2026), redemption of $19M subordinated debt (Jan 2026), opening of a Virginia Beach Loan Production Office for Hampton Roads expansion (April 2026), and an extended share repurchase program covering ~8% of outstanding shares. The bank received an initial BBB long-term issuer rating with stable outlook from Morningstar DBRS in December 2025, establishing formal investment-grade credit standing. Ownership of the publicly listed parent FVCBankcorp, Inc. includes a minority equity stake in Atlantic Coast Mortgage, whose 2026 acquisition of Tidewater Mortgage Services adds approximately 45 loan originators to the affiliated mortgage channel.

FVCbank firmographics

Firmographics
Name
FVCbank
Legal name
FVCBankcorp, Inc.
Website
https://fvcbank.com
Company type
Public
Founded year
2007
Operating status
Operating
Headcount range
101–250 employees
Short description
FVCbank is a publicly traded community bank (NASDAQ: FVCB) operating nine branches across Washington DC, Maryland, and Virginia, serving SMBs, government contractors, cannabis businesses, nonprofits, and consumers with deposit, lending, treasury management, and digital banking products.
Ownership category
akta.pro rank

FVCbank industry classification

Industry
Product category
Community Banking
NAICS
Commercial Banking (52211), Depository Credit Intermediation (5221)
SIC
State Commercial Banks (6022), Short-Term Business Credit Institutions (6153)
akta.pro industry
PRIMARYFSAMAKAH
Lending & Credit Disbursements
Financial & Insurance/Payments & Transaction Processing/Payroll & Payouts / Disbursements
SECONDARYFSABAAAC
Credit Cards & Revolving Credit
Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

Keywords

  • Community banking services
  • Commercial lending products
  • Government contractor banking
  • Treasury management services
  • Cannabis business banking

Where FVCbank is headquartered

Location

Headquarters

HQ city
Fairfax
HQ country
United States
HQ region
North America

Offices4 records

Markets served

FVCbank business model

Business model
GTM type
B2B and B2C
Offering type
Services
Cost components
Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

  1. Net Interest Income: Primary revenue stream from interest earned on loans (commercial, consumer, residential mortgage, construction) and investment securities, offset by interest paid on deposits. As a community bank, this is the core earnings driver.
  2. Loan Fees and Origination Income: Fees collected on loan originations, renewals, and modifications including commercial lending, Lightning Lending digital loans, and residential mortgages referred through Atlantic Coast Mortgage.
  3. Deposit and Treasury Service Charges: Non-interest income from deposit account service charges, analysis fees on commercial accounts, treasury management fees, merchant services fees, and wire transfer fees.
  4. Insurance Commission Income: Revenue from insurance product referrals and partnerships through Bearing Insurance Group (business insurance) and Bankers Insurance Group (personal insurance). FVCbank has ownership interests in both insurance entities.
  5. Dividend and Capital Returns: Returns to parent company FVCBankcorp through quarterly cash dividends ($0.06–$0.07 per share), share repurchase programs, and strategic capital management including senior notes issuance ($25M at 6.75% in 2026).

Pricing tiers

ModelBillingPrice
Transaction based/ take ratePay-as-you-goLightning Lending digital business loans up to $350,000
HybridMonthlyBusiness Checking accounts
SubscriptionMonthlyBusiness Savings, Money Market, and CD accounts
Usage-basedMonthlyHELOC — Wall Street Journal Prime + 1.50%
HybridMonthlyPersonal Checking accounts
Transaction based/ take rateMonthlyPersonal Credit Cards — Visa Platinum
Transaction based/ take rateMonthlyBusiness Credit Cards — Visa Platinum
SubscriptionPay-as-you-goIRA CDs — $1,000 minimum

Go-to-market motion3 records

Distribution channels7 records

Marketing channels7 records

FVCbank product offering

Product offering

Core offering

FVCbank is a community bank that provides deposit accounts (business and personal checking, savings, money market, CDs), commercial and consumer loans (commercial lending, SBA, government contractor lending, HELOC, personal loans, residential mortgages), treasury management, merchant services, credit cards, and HSA/IRA products to businesses, nonprofits, government contractors, cannabis-related businesses, and individual consumers across the DC, Maryland, and Virginia metro area. The bank distributes these services through nine branches, online and mobile banking, the Lightning Lending digital origination platform, and partnerships with Atlantic Coast Mortgage, Bearing Insurance, and Bankers Insurance.

Product overview

FVCbank is a community bank offering a comprehensive digital banking platform with both core banking products and fintech-powered add-on services. The core platform consists of business and personal banking (checking, savings, lending, credit cards) enhanced by digital-first products including Lightning Lending (AI-powered instant lending), Business Insights (AI-powered financial forecasting), and LifeBundled (tiered bundled packages). The bank serves diverse industries including government contractors, cannabis businesses, general contractors, and nonprofits with specialized banking solutions. Treasury management, merchant services, insurance products, and Zelle peer-to-peer payments extend the platform's capabilities.

Differentiator

Problem solved

Functional benefit

Brands

  • LifeBundled: A bundled banking package offering personal banking services, digital tools, and expert support organized by life stage (Start, Grow, Secure, Thrive packages).
  • Lightning Lending
  • Business Insights
  • Cannabis Banking Services

Products and services

  • Business Checking

Quantifiable outcome

  • 48-hour funding for Lightning Lending digital business loans up to $350,000
  • +4 more outcomes

Companies that use FVCbank

Customer profile

Named customers2 records

Segments6 records

Ideal customer profiles6 records

FVCbank technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability5 records

Feature6 records

FVCbank partnerships and signals

Strategic signal

Partnerships

Three partnerships are on record, tiered core.

  • Atlantic Coast MortgagecoreStrategic or Co-development PartnerFVCbank holds a minority interest in Atlantic Coast Mortgage, which serves as the bank's primary residential mortgage lending partner. Atlantic Coast Mortgage refers customers to FVCbank and acquired Tidewater Mortgage Services (adding approximately 45 new loan officers and support staff), expected to positively impact earnings in 2026. ACM has over 11,000 5-star client reviews and operates as a full-service residential mortgage lender.
  • Bearing Insurance GroupcoreChannel Partner/ Reseller/ DistributorFVCbank offers business insurance products through Bearing Insurance Group. Bearing Business Owners policy is designed for small- to medium-sized businesses, combining property coverage, liability, and additional coverage areas. FVCbank has an ownership interest in Bearing Insurance.
  • Bankers Insurance GroupcoreChannel Partner/ Reseller/ DistributorFVCbank refers personal insurance products (homeowners, auto, life, flood, boat, umbrella) through Bankers Insurance Group. FVCbank has an ownership interest in Bankers Insurance.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

FVCbank competitors and assessment

Company assessment

Direct peers

  • Eagle Bancorp: Bethesda, Maryland-based community bank focused on commercial lending, government contractor banking, and CRE in the DC metro — directly comparable to FVCbank's vertical mix and regional footprint.
  • Sandy Spring Bancorp: Columbia, Maryland-based commercial and retail bank serving the Mid-Atlantic with similar SMB, commercial real estate, and government contractor lending orientation as FVCbank.
  • Atlantic Union Bankshares: Virginia-headquartered regional commercial bank with comparable business banking, commercial lending, and branch network in the same Virginia and DMV geographies as FVCbank.
  • TowneBank: Portsmouth, Virginia-based community bank with similar Hampton Roads presence where FVCbank is now expanding, and comparable SMB and commercial banking offerings.
  • Truxton Corporation: Nashville-based community bank often used as a head-to-head banking peer for FVCbank in analyst comparisons, with comparable size, profitability metrics, and SMB focus.
  • Burke & Herbert Financial Services: Alexandria, Virginia-headquartered community bank with deep DC Metro roots, serving similar SMB and government contractor segments as FVCbank.
  • WesBanco: Mid-Atlantic and Midwest community bank with comparable commercial lending, deposit-gathering, and treasury management offerings for SMB and middle-market clients.
  • Capital Bancorp: Rockville, Maryland-based commercial bank with overlapping DMV-area footprint, business banking, and commercial lending products comparable to FVCbank's mix.
  • CVB Financial: California-based community bank frequently grouped with FVCbank in community-bank performance screens; comparable size, profitability profile, and commercial banking orientation.

Broad incumbents

  • Pacific Premier Bancorp: Larger California-headquartered commercial bank with similar SMB, business banking, and treasury management capabilities, though serving a different primary geography; useful as a scaled commercial-banking peer benchmark.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

FVCbank social profiles

Digital presence

FVCbank financial estimates

Financial estimate

Revenue estimate

Valuation estimate

FVCbank leadership team

Management profile

Number of profiles

Profiles9 records

FVCbank subsidiaries and ownership

Company hierarchy

Subsidiaries2 records

FVCbank funding detail

Funding detail

Funding overview

Funding rounds4 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

FVCbank M&A and investment

M&A and investment

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FVCbank

What does FVCbank do?

FVCbank is a community bank that provides deposit accounts (business and personal checking, savings, money market, CDs), commercial and consumer loans (commercial lending, SBA, government contractor lending, HELOC, personal loans, residential mortgages), treasury management, merchant services, credit cards, and HSA/IRA products to businesses, nonprofits, government contractors, cannabis-related businesses, and individual consumers across the DC, Maryland, and Virginia metro area. The bank distributes these services through nine branches, online and mobile banking, the Lightning Lending digital origination platform, and partnerships with Atlantic Coast Mortgage, Bearing Insurance, and Bankers Insurance.

Is FVCbank a public or private company?

FVCbank is a public company. It is classified as public and is currently operating.

When was FVCbank founded?

FVCbank was founded in 2007. It employs 101 to 250 people.

Where is FVCbank based?

FVCbank is headquartered in Fairfax, United States, in the North America region.

How does FVCbank make money?

Five revenue lines are on record. Net Interest Income is the primary driver. The others are loan Fees and Origination Income, deposit and Treasury Service Charges, insurance Commission Income and dividend and Capital Returns.

Who are FVCbank's main competitors?

Direct peers on record are Eagle Bancorp, Sandy Spring Bancorp, Atlantic Union Bankshares, TowneBank, Truxton Corporation, Burke & Herbert Financial Services, WesBanco, Capital Bancorp and CVB Financial. Pacific Premier Bancorp is listed as a broad incumbent.

Does FVCbank have an API?

No public API is recorded for FVCbank.

What industry is FVCbank in?

FVCbank's product category is Community Banking. Its primary akta.pro industry code is FSAMAKAH, Lending & Credit Disbursements, with a secondary code of FSABAAAC, Credit Cards & Revolving Credit. Its NAICS code is 52211 and its SIC code is 6022.

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Live signals
citybizFVCbank Promotes Sharon Ricciardi to Chief Deposit OfficerFVCbank promoted Sharon Ricciardi to chief deposit officer, expanding her leadership responsibilities. She will oversee the bank's institution-wide deposit strategy, including initiatives to grow core deposits and expand business banking relationships across Virginia, Maryland, and Washington, D.C. Ricciardi has been with FVCbank since 2015.ChartmillFVCBankcorp (NASDAQ:FVCB) Emerges as a Quality Stock OpportunityFVCBankcorp's stock, listed on NASDAQ as FVCB, has been identified as a quality stock opportunity, with recent trading data indicating a positive market trend. The stock currently shows signs of a potential larger move due to a Bollinger Band squeeze setup.AInvestFVCBankcorp: Why a $2.3B Community Bank Needs the Same Comparative Test as Everyone ElseThis article presents an analytical investment thesis on FVCBankcorp (FVCB), a $2.3 billion community bank trading on NASDAQ around $17.80, evaluating its factor profile against peers. The analysis finds the bank's balance sheet growth of approximately 5% CAGR with 4% most recent annual growth, tangible common equity ratio of 10.98%, and revenue model dependent entirely on net interest margin (noninterest income under 3%) as adequate but unremarkable. The author concludes the bank belongs in a dividend-income sleeve for capital preservation rather than as a growth position, identifying three potential inflection points—asset growth above 7%, TCE ratio below 9%, or noninterest income expansion above 10%—that would shift the investment thesis.Business Wire BlogFVCBankcorp, Inc. Announces Record Earnings; 45% Increase in Net Income Compared to Year Ago QuarterFVCBankcorp, Inc. reported record Q2 2026 earnings with net income of $8.2 million, a 45% increase from $5.7 million in Q2 2025, driven by a 36% rise in core operating earnings to $7.6 million and a 63 basis-point improvement in net interest margin to 3.53%. The quarter also included a one-time $847 thousand pre-tax gain from the sale of the company's interest in Bearing Insurance Group, LLC, while core deposits grew 9% year-over-year to $1.81 billion. The company's Chairman cited continued margin expansion for the tenth consecutive quarter and improving asset quality metrics.Stock TitanFVCBankcorp Q2 Earnings Rise 45% to $8.2MFVCBankcorp, Inc. reported record second quarter 2026 net income of $8.2 million, representing a 45% increase compared to $5.7 million in Q2 2025, with diluted earnings per share rising to $0.45 from $0.31. The company's net interest margin improved to 3.53%, up 63 basis points year-over-year, while core deposits grew 9% to $1.81 billion. FVCBankcorp also declared a quarterly cash dividend of $0.07 per share and completed the sale of its interest in Bearing Insurance Group, LLC for a pre-tax gain of $847 thousand.GurufocusFVCBankcorp, Inc. Announces Quarterly Cash DividendFVCBankcorp, Inc.'s Board of Directors declared a quarterly cash dividend of $0.07 per share, payable on August 17, 2026 to shareholders of record on July 27, 2026. The announcement comes from the Virginia-based holding company for FVCbank, a community bank serving commercial businesses and professional entities in the greater Baltimore and Washington, D.C. metropolitan areas. Future dividend declarations remain subject to Board discretion and regulatory restrictions.Business Wire BlogFVCBankcorp, Inc. Announces Quarterly Cash DividendFVCBankcorp, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.07 per share of common stock outstanding. The dividend is payable on August 17, 2026 to shareholders of record on July 27, 2026. Future dividend declarations and payments remain subject to the Board's discretion and applicable regulatory restrictions.Stock TitanFVCBankcorp Declares $0.07 Quarterly Cash DividendFVCBankcorp, Inc. announced that its Board of Directors has declared a cash dividend of $0.07 per share of common stock, payable on August 17, 2026 to shareholders of record on July 27, 2026. The company, a holding company for FVCbank, operates eight full-service offices across the greater Baltimore and Washington, D.C. metropolitan areas. Future dividend declarations remain subject to Board discretion and regulatory restrictions.Stock TitanFVCbank Opens Virginia Beach Loan OfficeFVCbank, a subsidiary of FVCBankcorp, Inc., has opened a Loan Production Office in Virginia Beach, Virginia, marking its expansion into the Hampton Roads market. The bank has hired Terri Ruby as Senior Vice President/Regional President along with two additional staff members to lead its growth efforts in the region. Executive leadership stated that the expansion represents an opportunity to support local businesses and offer the bank's products and services in a growing market.Business Wire BlogFVCbank Expands Into Hampton Roads with New Virginia Beach Loan Production OfficeFVCbank opened a loan production office in Virginia Beach, Hampton Roads, and hired Terri Ruby as Senior Vice President/Regional President. Ruby brings extensive banking experience from multiple institutions and will lead market growth. The expansion aims to support local businesses with FVCbank's products and services.