Fvcbankcorp, Inc. · NASDAQ:FVCB
Fvcbankcorp — Investor Presentation (November 2025)
23 slides from Fvcbankcorp's investor presentation, Nov 10, 2025
Slide 1: FVCBankcorp, Inc.
FVCBankcorp, Inc. NASDAQ: FVCB 2025
Slide 2: Forward-looking statements
This presentation may contain statements relating to future events or future results of FVCBankcorp, Inc. (“FVCB”) that are considered “forward-looking statements” under the Private Securities Litigation Reform Act of 1995. These forward-looking statements represent plans, estimates, objectives, goa
Slide 3: FVCB Company Snapshot
FVCB Company Snapshot (1) Consolidated financial data as of the three months ended September 30, 2025, unless otherwise noted. (2) Nonperforming assets ($11.1 million) defined as nonaccruals, loans past-due 90 days or more, and other real estate owned. (3) Non-GAAP financial measure. See the reconci
Slide 4: FVCB Business Strategy
FVCB Business Strategy FVCB aims to capitalize on market opportunities while maintaining disciplined and comprehensive credit underwriting. FVCB’s focus on providing high-touch, responsive, relationship-based client service allows it to compete effectively and exceed the needs of customers. Opportun
Slide 5: Technology Deployment Driving Top-Tier Performance
Technology Deployment Driving Top-Tier Performance *FVCbankcorp, Inc. has invested in KlariVis and JAM FINTOP Blockchain Fund. • Data analytics functionality (KlariVis)* which provides: • Immediate access to better communicate and respond to customers. • Dashboards to easily analyze activity for all
Slide 6: Well Positioned In One of the Most Attractive Markets in the U.S.
Well Positioned In One of the Most Attractive Markets in the U.S. Top 10 MSAs By Population Vibrant Economy • Washington D.C. and Baltimore MSAs contain 20 and 4 Fortune 500 companies, respectively. • Over 3.5 million private sector employees and nearly 750 thousand public sector employees in the Wa
Slide 7: Relationship Driven Model Continues to Create Balance Sheet Leverage
Relationship Driven Model Continues to Create Balance Sheet Leverage Total Assets ($M) Total Loans, Net of Fees ($M) Total Deposits ($M) CAGR: 5.2% CAGR: 5.1% CAGR: 5.5% 7 $1,821 $2,203 $2,344 $2,191 $2,199 $2,319 2020 2021 2022 2023 2024 2025 Q3 $1,466 $1,504 $1,840 $1,829 $1,870 $1,858 2020 2021 2
Slide 8: Track Record of Strong Growth and Profitability
Track Record of Strong Growth and Profitability (1) Non-GAAP financial measure. See the reconciliation included in the appendix to this presentation. (2) Excludes non-recurring transaction costs of $0.68 million for 2020, $1.4 million for 2021, $0.13 million for 2022, $16.0 million for 2023 and $2.4
Slide 9: Well Diversified Loan Portfolio
Well Diversified Loan Portfolio Balanced Loan Portfolio Segmentation 9 Disciplined, Low-Risk Commercial Balance Sheet (1) Yield calculated based on average balance for the period. (2) The above balances are based on the Bank’s filed Call Report. C&I Portfolio ($000s) Balance % of Portfolio Yield Bal
Slide 10: Disciplined, Low-Risk Commercial Balance Sheet
• 12 Loan officers with deep connections to the markets; average experience of over 21 years. • Focused effort on commercial, real estate and small business, including government contracting. • Expanded focus on government contracting provides large source of growth potential. • Small average loan b
Slide 11: Disciplined, Low-Risk Commercial Balance Sheet: Office Exposure
11 Disciplined, Low-Risk Commercial Balance Sheet • Based on our stress analysis, the Office portfolio has low refinance risk with $13.9 million in maturing loans through 2026. • Only $1.1 million of Office portfolio loans are located within Washington, D.C. (and additionally, are not located within
Slide 12: Expected Repricing will Improve Revenue Growth
12 Disciplined, Low-Risk Commercial Balance Sheet Expected Repricing will Improve Revenue Growth Commercial Loan Repricing Schedule (September 30, 2025) • 59% of the commercial loan portfolio is fixed rate. • 62% of the commercial loan portfolio with fixed or adjustable rates will reprice or mature
Slide 13: Proven History of Strong Credit Metrics
Disciplined, Low-Risk Commercial Balance Sheet Proven History of Strong Credit Metrics Net Charge-Offs (Recoveries) / Average Loans Asset Quality Trends Over Time¹ (1) Nonperforming loans defined as nonaccruals and loans past-due 90 days or more. ($000s) 13 $5.6 $3.5 $4.5 $1.8 $12.8 $11.1 $3.9 2020
Slide 14: Strong Core Deposit Base
Strong Core Deposit Base • Full-service relationships continue to drive core deposit growth. ‒ Approximately three quarters of the commercial loan portfolio retains a deposit relationship with the bank. • Growth in commercial accounts provide cross selling opportunities with FVCB’s technology invest
Slide 15: Strong Liquidity
Strong Liquidity • Stress testing is performed quarterly with assumptions inclusive of both systemic and idiosyncratic risks. • Stress testing performed as of September 30, 2025, demonstrates a strong liquidity position in all tested scenarios. *Values above in millions. 15
Slide 16: Experienced Leadership Team
Experienced Leadership Team Management Team With Strong Ties to The Market FVCB’s executive management team consists of seven officers with over 187 years of combined experience in the Washington, D.C. metropolitan area. • David Pijor was the founding Chairman of the Board of James Monroe Bancorp, w
Slide 17: Governed and Supported By An Exceptional Board
Experienced Leadership Team Governed and Supported By An Exceptional Board David Pijor Chairman & CEO • Served as Chairman of the Board and CEO of FVCB since its organization • Lead organizer, Chairman of the Board and General Counsel of James Monroe Bank from its inception to sale to Mercantile Ban
Slide 18: Appendix: Additional Materials
Appendix: Additional Materials
Slide 19: FVCB Franchise History
FVCB Franchise History Since inception, FVCbank has successfully executed a strategic plan focused on organic growth and opportunistic acquisitions without compromising asset quality or financial discipline. (1) $13.00 for existing shareholders, $13.50 for new shares offered to the public. Source: S
Slide 20: Appendix: Non-GAAP Financial Measures
Appendix: Non-GAAP Financial Measures 20
Slide 21: Appendix: Non-GAAP Financial Measures
Appendix: Non-GAAP Financial Measures 21
Slide 22: 5-Year Loan History
5-Year Loan History For the Period Ended 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 9/30/2025 (000s) C&I Portfolio Commercial & Industrial S 265,866 $ 196,428 $ 241,510 $ 219,873 $ 336,662 S 386,149 Owner Occupied CRE 182,851 190,334 206,766 212,889 188,182 213,572 Total C&I S$ 448,717 $
Slide 23: Financial Highlights
Financial Highlights (1) Performance ratios presented are calculated using annualized GAAP net income. (2) Non-GAAP financial measures exclude one-time transaction costs of $0.68 million for 2020, $1.4 million for 2021, and $0.13 million for 2022, $4.6 million for 2023 and $2.4 million for 2024. (3)