FVCBankcorp Inc (NASDAQ: FVCB) is a bank holding company that operates as an independent community bank headquartered in Northern Virginia, serving individuals and small to mid-sized businesses in the Washington, D.C. metropolitan area. Revenue comes primarily from interest income on loans, with commercial real estate loans forming the largest portion of the loan portfolio. As of December 31, 2025, non-owner occupied commercial real estate represented approximately 31% of the loan portfolio, owner-occupied commercial real estate 14%, and multi-family residential real estate 8%. The bank also offers cannabis banking services, conducting compliance-intensive due diligence and ongoing monitoring for licensed cannabis businesses. FVCBankcorp describes itself as one of the few remaining locally owned and managed independent community banks headquartered in Northern Virginia. The company is led by Chairman and CEO David W. Pijor and CFO Jennifer L. Deacon, as of the 10-K filed March 16, 2026.

Revenue model

Interest income on loans, including commercial real estate, residential mortgage, consumer, student, and construction loans, supplemented by deposit-gathering across noninterest-bearing, interest-bearing checking, savings, money market, time, and wholesale deposit accounts.

Products and services

Commercial real estate loans (owner-occupied and investor-owned, including multi-family), residential mortgage loans, construction loans, consumer loans (secured and unsecured), student loan pools acquired from third parties, cannabis business banking with compliance-intensive onboarding, treasury management, and deposit accounts.

Customers and end markets

Individual consumers and small to mid-sized businesses in Northern Virginia and the broader Washington, D.C. MSA, including licensed cannabis businesses operating under state law.

Value-chain role

Community bank originating and holding loans on balance sheet, funding them through local deposit-gathering, with periodic loan pool purchases from third parties for portfolio diversification.

Geographic exposure

Primary operations in Virginia and Maryland localities within the Washington, D.C. MSA, which had a population of 6.44 million and a median household income of $126.2 thousand as of December 31, 2025.

Source: SEC 10-K, filed 2026-03-16

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