Fvcbankcorp, Inc. · NASDAQ:FVCB
Fvcbankcorp — Q1 2026 Earnings Presentation
23 slides from Fvcbankcorp's earnings presentation, May 5, 2026
Slide 1: Quarter End March 31, 2026
Quarter End March 31, 2026 NASDAQ: FVCB
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 March 31, 2026, unless otherwise noted. (2) Nonperforming assets ($12.2 million) defined as nonaccruals, loans past-due 90 days or more, and other real estate owned. (3) Non-GAAP financial measure. See the reconciliat
Slide 4: FVCB Business Strategy
FVCB Business Strategy 4 FVCB aims to capitalize on market opportunities while maintaining disciplined and comprehensive credit underwriting. FVCB’s focus on providing high-touch, responsive, relationship-based client service allows it to compete effectively and exceed the needs of customers. Organi
Slide 5: Technology Deployment Driving Top-Tier Performance
Technology Deployment Driving Top-Tier Performance *FVCbankcorp, Inc. has invested in KlariVis and JAM FINTOP Blockchain Fund. 5 Lending Treasury and Payments Enterprise-Wide ● Data analytics functionality (KlariVis¹) which provides: ○ Immediate access to better communicate and respond to customers
Slide 6: Well-Positioned In One of the Most Attractive Markets in the Nation
Well-Positioned In One of the Most Attractive Markets in the Nation… 6 Top 10 MSAs by Population Note: Demographic data as of June 30, 2025 Source: S&P Global Market Intelligence, FDIC, Maryland Department of Labor, U.S. Bureau of Labor Statistics, CNBC Community Highlights Vibrant Economy • Washing
Slide 7: Relationship Driven Model Continues to Create Balance Sheet Leverage
Relationship Driven Model Continues to Create Balance Sheet Leverage Total Assets ($M) Total Loans, Net of Fees ($M) Total Deposits ($M) CAGR: 4.9% CAGR: 5.3% CAGR: 5.5% 7 Track Record of Strong Growth and Profitability $1,821 $2,203 $2,344 $2,191 $2,199 $2,292 $2,335 2020 2021 2022 2023 2024 2025 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 $1.4 million for 2021, $0.13 million for 2022, $16.0 million for 2023 and $2.4 million for 2024. Net I
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. CRE 43.49% C&I 23.38% Resi 13.60% C&D 8.17%Warehouse 1
Slide 10: Disciplined, Low-Risk Commercial Balance Sheet
• 12 Loan officers with deep connections to the markets; average experience of over 22 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
11 Disciplined, Low-Risk Commercial Balance Sheet • Based on our stress analysis, the Office portfolio has low refinance risk with $2 million in maturing loans through 2026. • Only $1 million of Office portfolio loans are located within Washington, D.C. (and additionally, are not located within the
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 (March 31, 2026) • 57% of the commercial loan portfolio is fixed rate. • 66% of the commercial loan portfolio with fixed or adjustable rates will reprice or mature by 3
Slide 13: Disciplined, Low-Risk Commercial Balance Sheet
Disciplined, Low-Risk Commercial Balance Sheet (1) Nonperforming loans defined as nonaccruals and loans past-due 90 days or more. 13 ALL / Gross Loans, Net of Fees (%)NPAs / Total Assets (%)¹ NCOs / Average Loans, Net of Fees (%)Nonaccrual Loans / Gross Loans, Net of Fees (%) Increase in nonperformi
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 March 31, 2026 Total Avai
Slide 16: With a Management Team that has Strong Ties to the Market
…With a Management Team that has Strong Ties to the Market • 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 199
Slide 17: Experienced Leadership Team 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 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 3/31/2026 ($000s) C&I Portfolio Commercial & Industrial $ 196,428 $ 241,510 $ 219,873 $ 336,662 S$ 453,393 $ 472,406 Owner Occupied CRE 190,334 206,766 212,889 188,182 266,317 241,830 Total C&I $ 386,762
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 $1.4 million for 2021, and $0.13 million for 2022, $4.6 million for 2023 and $2.4 million for 2024. (3) Nonperforming assets de