Fvcbankcorp, Inc. · NASDAQ:FVCB
Fvcbankcorp — Debt Investor Presentation (February 2026)
29 slides from Fvcbankcorp's debt investor presentation, Feb 12, 2026
Slide 1: Senior Notes Investor Presentation January 2026
| 1 Senior Notes Investor Presentation January 2026 Exhibit 99.1
Slide 2: Forward-Looking Statements; Non-GAAP Information
| 2 Forward-Looking Statements; Non-GAAP Information This presentation may contain statements relating to future events or future results of FVCBankcorp, Inc. (“FVCB” or the “Company”) and its wholly-owned subsidiary, FVCbank (the “Bank”) that are considered “forward-looking statements” within the m
Slide 3: Terms of the Proposed Offering
| 3 Terms of the Proposed Offering Issuer FVCBankcorp, Inc. (NASDAQ: FVCB) Use of Proceeds General Corporate Purposes, Including Supporting Capital Ratios at the Bank Security Fixed Rate Senior Notes Due 2029 Principal Amount $20 Million Expected Rating BBBL by Morningstar DBRS Offering Type Regulat
Slide 4: Company Snapshot
| 4 1) Tangible common equity and tangible assets represent non-GAAP measures. Please see page 28 for reconciliation of non-GAAP measures to their most comparable financial measure prepared in accordance with GAAP 2) Nonperforming assets defined as nonaccrual loans, loans contractually past due 90 d
Slide 5: Investment Highlights
| 5 1) Ranking based on deposit market share among community banks with deposits in the Washington, D.C. MSA as of June 30, 2025; Community banks defined as banks with total assets less than $50 billion as of September 30, 2025 2) Represents compounded annual growth rate from December 31, 2014 to De
Slide 6: Technology Deployment Driving Top-Tier Performance
| 6 1) FVCBankcorp, Inc. has invested in KlariVis and JAM FINTOP Blockchain Fund Source: Company Documents Technology Deployment Driving Top-Tier Performance Strategically Aligned Solutions Lending Treasury and Payments Enterprise-Wide ● Data analytics functionality (KlariVis¹) which provides: ○ Imm
Slide 7: Business Strategy
| 7 Source: Company Documents 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 nee
Slide 8: Well-Positioned in One of the Most Attractive Markets in the Nation
| 8 Note: Demographic data as of June 30, 2025 Source: S&P Global Market Intelligence, FDIC, Maryland Department of Labor, U.S. Bureau of Labor Statistics, CNBC Well-Positioned in One of the Most Attractive Markets in the Nation… ● Washington, D.C. MSA and Baltimore MSA contain 20 and 3 Fortune 500
Slide 9: Intimate Knowledge of Clients, Credits, Markets, and Employees
| 9 Source: S&P Global Market Intelligence, Company Documents ● FVCB’s executive management team consists of nine officers with over 301 years of combined experience in the Washington, D.C. metro area ● David Pijor was the founding Chairman of the Board of James Monroe Bancorp, which opened in June
Slide 10: Balance Sheet Trends
| 10 $1,532 $1,884 $1,830 $1,845 $1,871 $1,997 2020Y 2021Y 2022Y 2023Y 2024Y 2025Y $1,466 $1,504 $1,840 $1,829 $1,870 $1,941 2020Y 2021Y 2022Y 2023Y 2024Y 2025Y Source: S&P Global Market Intelligence Total Deposits ($M)Total Loans (Net of Fees) ($M)Total Assets ($M) Balance Sheet Trends Relationship
Slide 11: Financial Performance Trends
| 11 1) Represents non-GAAP measures. Please see page 27 for reconciliation of non-GAAP measures to their most comparable financial measures prepared in accordance with GAAP Source: S&P Global Market Intelligence, Company Documents Financial Performance Trends Core Efficiency Ratio (%)¹Net Interest
Slide 12: Disciplined, Low-Risk Commercial Balance Sheet
| 12 372.7%¹ 396.0%¹ 404.9% 398.6% 371.3% 312.5% 2020Y 2021Y 2022Y 2023Y 2024Y 2025Y CRE 47.4% C&I 35.5% Other 17.1% As of December 31, 2025 C&I Portfolio Balance ($000s) % of Portfolio Yield Commercial and Industrial $423,360 21.8% 7.98% Ow ner Occupied CRE 266,317 13.7% 6.74% Total C&I $689,677 35
Slide 13: Commercial Portfolio by Asset Class
| 13 1) Loan-to-value is based on collateral valuation at origination date against current bank owned principal 2) Bank owned principal is not adjusted for deferred fees and costs 3) Minimum debt service coverage policy is 1.30x for owner occupied and 1.25x for non-owner occupied at origination Note
Slide 14: Strong Credit Quality
| 14 1) Nonperforming assets defined as nonaccrual loans, loans contractually past due 90 days or more as principal or interest and still accruing, and real estate owned 2) At December 31, 2025, ALL / Gross Loans, Net of Fees (%) is 1.00% when excluding the warehouse line to Atlantic Coast Mortgage,
Slide 15: Strong and Improving Core Deposit Base
| 15 1) Deposit composition weighted cost based on period end account interest rates; Total cost of deposits is based on activity throughout the period Note: Financial data shown as of or for the quarter ended December 31, 2025, unless otherwise stated Source: S&P Global Market Intelligence, Company
Slide 16: Current Liquidity Position
| 16 1) The Bank has pledged a portion of the commercial real estate and residential loan portfolio to the FHLB to obtain a letter of credit to secure public funds 2) The Bank has pledged a portion of the commercial and industrial loan portfolio to the FRB to secure the line of credit Note: Data sho
Slide 17: Historical Bank Capital Position
| 17 10.8% 10.8% 11.7% 12.2%12.5% 12.8% 13.7% 14.4% 13.3% 13.8% 14.7% 15.4% 2022Y 2023Y 2024Y 2025Y Note: Represents Call Report financial data Source: S&P Global Market Intelligence, Company Documents Historical Bank Capital Position Tier 1 Leverage Ratio (%) Tier 1 Ratio (%) Total Risk-Based Capit
Slide 18: Pro Forma Capital Position
| 18 1) FVCB, as a small bank holding company, is not currently required to file holding company FR Y-9C regulatory financial statements. As a result, FVCB does not submit holding company regulatory capital ratios and ratios shown are illustrative 2) Assumes a $20 million senior notes issuance and $
Slide 19: Double Leverage and Interest Coverage
| 19 1) On January 15, 2026, FVCB redeemed its $19.0 million outstanding subordinated debt. Since October 15, 2025, the subordinated notes carried a floating interest rate of three-month SOFR plus 471.0 bps 2) Assumes a $20 million senior notes issuance and $400 thousand of offering expenses; Assume
Slide 20: Appendix: Additional Materials
| 20 This page intentionally blank. Appendix: Additional Materials
Slide 21: Franchise History
| 21 1) $13.00 for existing shareholders, $13.50 for new shares offered to the public Source: S&P Global Market Intelligence, Company documents Franchise History February 2012 Follow-On Offering #2: $6.7M at $13.00 / $13.50 per share ($5.33 / $5.53 per share split adjusted)¹ October 2012 Completed a
Slide 22: Dedicated Board of Directors with Complementary Backgrounds
| 22 Source: Company Documents Patricia Ferrick President & Director ● Serves as President of the Bank and Company ● CFO and EVP from FVCB’s inception until June 2017 ● Former auditor at KPMG Scott Laughlin Director ● Co-owner of LMO Advertising ● Advisor at First Juice, Inc. and Ardent Capital Marc
Slide 23: Summary of Securities Portfolio
| 23 Note: Available for sale securities are carried at market value and held to maturity securities are carried at book value on the Company’s balance sheet; Financial data as of December 31, 2025 Source: S&P Global Market Intelligence, Company Documents Summary of Securities Portfolio Agency 5.9%
Slide 24: 5-Year Loan History
| 24 1) Total risk-based capital for the years ended December 31, 2020 and December 31, 2021 estimated as Tier 1 capital plus allowance for loan and lease losses Source: S&P Global Market Intelligence, Company Documents 5-Year Loan History ($000s) 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/20
Slide 25: Historical Income Statement
| 25 Source: S&P Global Market Intelligence, Company Documents Historical Income Statement For the Year Ended For the Quarter Ended ($000s) 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 03/31/2025 06/30/2025 09/30/2025 12/31/2025 Interest Income $68,428 $80,682 $106,615 $113,313 $118,397 $2
Slide 26: Historical Balance Sheet
| 26 Source: S&P Global Market Intelligence, Company Documents Historical Balance Sheet For the Year Ended For the Quarter Ended ($000s) 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 03/31/2025 06/30/2025 09/30/2025 12/31/2025 Assets Total Cash & Cash Equivalents $240,958 $81,553 $60,522 $9
Slide 27: Non-GAAP Reconciliation
| 27 Source: Company Documents Non-GAAP Reconciliation For the Year Ended For the Quarter Ended ($000s) 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 03/31/2025 06/30/2025 09/30/2025 12/31/2025 Reconciliation of Net Income (GAAP) to Core Bank Operating Earnings (Non-GAAP) GAAP Ne
Slide 28: Non-GAAP Reconciliation (Cont.)
| 28 Source: Company Documents Non-GAAP Reconciliation (Cont.) For the Year Ended For the Quarter Ended ($000s) 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 03/31/2025 06/30/2025 09/30/2025 12/31/2025 Reconciliation of Consolidated TCE / TA (Non-GAAP) Total Stockholders' Equity
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