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FVCBankcorp (FVCB) investor relations material
FVCBankcorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Net income for Q3 2025 was $5.6 million ($0.31 diluted EPS), up 19% year-over-year; nine-month net income was $16.4 million ($0.90 diluted EPS), up 61%.
Core operating earnings for Q3 2025 were $5.6 million, up 19% year-over-year; pre-tax pre-provision operating earnings rose 30% to $7.6 million.
Net interest income rose 13% to $16.0 million for Q3 and 15% to $46.8 million for the nine months, driven by higher loan yields and lower funding costs.
Noninterest income increased 27% for Q3 and 30% for the nine months, mainly from higher minority interest income and service charges.
Board declared a $0.06 per share quarterly cash dividend, payable November 17, 2025.
Financial highlights
Return on average assets for Q3 was 1.00%; return on average equity was 9.05%.
Net interest margin improved to 2.91% for Q3 (up 27 bps) and 2.88% for the nine months (up 31 bps).
Total assets reached $2.32 billion, up $120.1 million since year-end 2024.
Tangible book value per share increased to $13.41 at September 30, 2025.
Efficiency ratio improved to 55.5% in Q3 2025 from 61.2% a year ago.
Outlook and guidance
Management expects continued disciplined credit underwriting and proactive monitoring amid changing economic conditions.
Loan commitments of over $65 million closed in Q4 2025 at a weighted average rate of 8.95%.
Core deposit growth is expected to support future loan growth.
The company remains cautious due to the federal government shutdown and broader economic uncertainties.
What is the strategy for CRE portfolio mix?
What drives future loan yield expansion?
How will noninterest income grow further?
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Next FVCBankcorp earnings date
Q4 202523 Jan, 2026
Next FVCBankcorp earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
FVCBankcorp, Inc. operates as the bank holding company for FVCbank, a commercial bank that offers a range of banking products and services. The company focuses on serving small to medium-sized businesses, professionals, non-profit organizations, associations, and investors primarily within Virginia. FVCBankcorp's offerings include various deposit products such as checking, savings, money market accounts, and certificates of deposit. It also provides lending services including commercial real estate loans, commercial construction loans, business loans, Small Business Administration (SBA) lending, and consumer loans. Additionally, the company offers online and mobile banking, credit cards, and merchant services. The company is headquartered in Fairfax, Virginia, and its shares are listed on the NASDAQ.
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