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Investor Relations14 Oct 2025
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FVCBankcorp (FVCB) investor relations material
FVCBankcorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $5.7 million ($0.31 diluted EPS), up 36% year-over-year; six-month net income was $10.8 million ($0.59 diluted EPS), nearly doubling from the prior year.
Achieved sixth consecutive quarter of improved earnings; return on average assets rose to 1.02% for Q2 2025, up from 0.94% in Q1 2025 and 0.77% in Q2 2024.
Initiated a quarterly cash dividend of $0.06 per share, with the first payment in August 2025.
Repurchased 415,000 shares for $4.6 million, reducing weighted average shares outstanding.
Noninterest income increased 16% for Q2 and 33% for the six months, including a $154,000 gain from unwinding interest rate swaps.
Financial highlights
Total assets reached $2.24 billion at June 30, 2025; total deposits were $1.90 billion at quarter-end.
Net interest income rose 15% to $15.8 million for Q2 2025; net interest margin improved to 2.90%.
Core deposits grew $47.8 million annualized in the first half of 2025; core deposits (excluding wholesale) increased 6% annualized.
Tangible book value per share rose to $13.08 at June 30, 2025, up from $12.52 at December 31, 2024.
Efficiency ratio improved to 56.2% in Q2 2025 from 61.9% in Q2 2024.
Outlook and guidance
Management expects continued disciplined credit underwriting, improvement in loan yields, and proactive monitoring of economic and market conditions.
Strategic focus remains on profitability, customer growth, and technology-driven efficiency.
Quantify future NIM impact from loan repricings
Describe CRE loan concentration mitigation strategy
What is the outlook for ACM's non-interest income?
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Next FVCBankcorp earnings date
Q3 202520 Oct, 2025
Next FVCBankcorp earnings date
Q3 202520 Oct, 2025
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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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