FVCBANK

FAIRFAX, VA · Supervised by Federal Reserve (FRB)

Est. 2007FDIC #58,696RSSD: FRB-3614976

Satisfactory Same

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.22%

Is this bank safe?

FVCBANK holds a Satisfactory CRA rating (2023), is financially strong (ROA +1.22%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Website

www.fvcbank.com

Address

11325 Random Hills Rd, FAIRFAX, VA

County

Fairfax County

Established

November 27, 2007

Total Assets

$2.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 31, 2023

Exam Type

Large Bank

Regulator

Federal Reserve (FRB)

What is a CRA rating? →

Estimated next exam:Jul 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.3B

Total Deposits

$2.0B

Net Loans

$1.9B

Net Income

$7M

ROA

1.22%

Above avg for Community banks. Peer avg: 0.90%

ROE

10.46%

Risk-Based Capital

15.86%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.22%Peer avg: 0.90%▲ Above avg

Risk-Based Capital15.86%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate3.85%Peer avg: 10.20%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.9B

1-Year Change

5-year net change: -3 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	26	92.31%	3.85%
2019	95	93.68%	3.16%
2018	56	91.07%	0.00%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 2023	Satisfactory	Large Bank
Aug 2020	Satisfactory	Intermediate Small Bank
Jan 2017	Satisfactory	Intermediate Small Bank

2 previous ratings locked — back to 2009

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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