BlastPoint's Banking Scorecard
FVCbank
Community
Specialty: Commercial
VA
FDIC cert 58696
Fairfax, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
FVCbank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 29% in Community
- - Non-Interest Income / Assets 0.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+4.3% YoY
-1.2% QoQ
|
+$896.3M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$1.9B
+3.8% YoY
+4.5% QoQ
|
+$946.9M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$2.0B
+6.8% YoY
+0.9% QoQ
|
+$833.8M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
1.05%
+41.9% YoY
+1.0% QoQ
|
-0.11% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.01%
+12.7% YoY
+1.8% QoQ
|
-0.65% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
53.25%
-9.5% YoY
-1.7% QoQ
|
-9.38% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.57%
-18.0% YoY
-5.4% QoQ
|
-0.06% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
96.19%
-2.8% YoY
+3.5% QoQ
|
+13.13% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
18.23%
-7.0% YoY
-4.1% QoQ
|
-2.81% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.48%
-18.4% YoY
-0.1% QoQ
|
-0.02% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
14.37%
+4.6% YoY
-2.7% QoQ
|
+4.13% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.16%
+38.1% YoY
+35.8% QoQ
|
-0.58% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#149 of 513 · Bottom 29% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.19%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.16%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
79
79th pctile
Loan-to-Deposit Ratio
Current: 96.19% · Tier avg: 83.06%
77
77th pctile
Efficiency Ratio
Current: 53.25% · Tier avg: 62.63%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.37% · Tier avg: 10.24%
44
44th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.63%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.23% · Tier avg: 21.05%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
18
18th pctile
Net Interest Margin
Current: 3.01% · Tier avg: 3.66%
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
18
18th pctile
Net Interest Margin
Current: 3.01% · Tier avg: 3.66%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.23% · Tier avg: 21.05%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.63%
44
44th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.37% · Tier avg: 10.24%
77
77th pctile
Efficiency Ratio
Current: 53.25% · Tier avg: 62.63%
79
79th pctile
Loan-to-Deposit Ratio
Current: 96.19% · Tier avg: 83.06%
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M