FVCB

EX-99.1

2 fvcb-20260930xexx991.htm

EX-99.1

Document

Exhibit 99.1

PRESS RELEASE

For further information, contact:

David W. Pijor, Esq., Chairman and Chief Executive Officer

Phone: (703) 436-3802

Email: dpijor@fvcbank.com

Patricia A. Ferrick, President

Phone: (703) 436-3822

Email: pferrick@fvcbank.com

FOR IMMEDIATE RELEASE – October 22, 2026

FVCBankcorp, Inc. Announces Earnings;

19% Increase in Net Income Compared to Year Ago Quarter

Fairfax, VA-FVCBankcorp, Inc. (NASDAQ: FVCB) (the “Company”) today reported net income of $6.6 million for the quarter ended September 30, 2026 compared to net income of $5.6 million for the quarter ended September 30, 2025, an increase of $1.0 million, or 19%. For the nine months ended September 30, 2026, net income increased $4.8 million, or 29%, to $21.2 million, compared to $16.4 million for the nine months ended September 30, 2025.

Diluted earnings per share was $0.37 for the quarter ended September 30, 2026 compared to $0.31 for the quarter ended September 30, 2025, an increase of 20%. For the nine months ended September 30, 2026, diluted earnings per share was $1.17, an increase of 30%, compared to diluted earnings per share of $0.90 for the nine months ended September 30, 2025.

Return on average assets for the quarter ended September 30, 2026 was 1.17%, an increase from 1.00% for the year ago quarter ended September 30, 2025. Return on average equity increased to 9.77% for the quarter ended September 30, 2026, compared to 9.05% for the year ago quarter ended September 30, 2025. For the nine months ended September 30, 2026, return on average assets was 1.27%, an increase from 0.98% for the nine months ended September 30, 2025. Return on average equity for the nine months ended September 30, 2026 was 10.77%, an increase from 9.01% for the same period of 2025.

Third Quarter Selected Financial Highlights

•Net Interest Margin Increased to 3.32%, Up 14% Compared to the Year Ago Quarter. For the quarter ended September 30, 2026, net interest margin improved 41 basis points to 3.32% from 2.91% for the three months ended September 30, 2025.

•Cost of Funds Continues to Decline. The Company's cost of funds decreased to 2.42% for the quarter ended September 30, 2026, a decrease of 36 basis points from 2.78% for the year ago quarter ended September 30, 2025, and a decrease of 5 basis points from the linked quarter ended June 30, 2026.

•Efficiency Ratio Improved to 53.29% for the Current Quarter. The efficiency ratio decreased 4% to 53.29% for the third quarter of 2026 compared to 55.50% for the same period of 2025.

•Loans Increased 3% Year-Over-Year. Loans, net of fees, increased $55.5 million, or 3%, to $1.91 billion at September 30, 2026 compared to $1.86 billion at September 30, 2025, and increased $14.6 million, when compared to June 30, 2026.

•Noninterest-Bearing Deposits Grew 14% Year-Over-Year. Noninterest-bearing deposits increased $52.9 million, or 14%, to $427.3 million at September 30, 2026 compared to $374.4 million at September 30, 2025, and were 21% of total deposits at September 30, 2026.

•Continued Solid Credit Quality. Watchlist loans decreased $32.4 million, or 56%, to $25.5 million at September 30, 2026 compared to prior quarter end. Nonperforming loans at September 30, 2026 decreased to $11.0 million from $11.4 million at June 30, 2026. Nonperforming loans to total assets were 0.48% at September 30, 2026 and December 31, 2025.

•Sound, Well Capitalized Balance Sheet. Total risk-based capital to risk-weighted assets for FVCbank (the “Bank”) was 16.61% at September 30, 2026, compared to 15.38% at December 31, 2025. The tangible common equity ("TCE") to tangible assets ("TA") ratio for the Bank was 11.99% at September 30, 2026, up from 11.38% at December 31, 2025. The Bank’s investment securities are classified as available-for-sale, and therefore the unrealized losses on these securities are fully reflected in the TCE/TA ratio.

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•Quarterly Cash Dividend. On October 15, 2026, the Company declared a quarterly cash dividend of $0.07 for each share of its common stock outstanding. The dividend is payable on November 16, 2026 to shareholders of record on October 26, 2026. Based on the current number of shares outstanding, the aggregate payment will be approximately $1.3 million.

Management Comments

David W. Pijor, Esq., Chairman and Chief Executive Officer of the Company, said:

“The third quarter was another quarter of strong performance. Our focus on diversifying our loan portfolio has contributed to the reduction in our commercial real estate concentrations to 275% of risk-based capital, the lowest in our recent history. Our loan pipeline is very strong giving us solid momentum going into the fourth quarter to continue to selectively grow our loan portfolio and customer base, balance sheet, earnings and shareholder value.”

Patricia A. Ferrick, President of the Company, said:

“Our continuing strong bank operating financial resul

EX-99.1

2 fvcb-20260630xexx991.htm

EX-99.1

Document

Exhibit 99.1

PRESS RELEASE

For further information, contact:

David W. Pijor, Esq., Chairman and Chief Executive Officer

Phone: (703) 436-3802

Email: dpijor@fvcbank.com

Patricia A. Ferrick, President

Phone: (703) 436-3822

Email: pferrick@fvcbank.com

FOR IMMEDIATE RELEASE – July 21, 2026

FVCBankcorp, Inc. Announces Record Earnings;

45% Increase in Net Income Compared to Year Ago Quarter

Fairfax, VA-FVCBankcorp, Inc. (NASDAQ: FVCB) (the “Company”) today reported net income of $8.2 million for the quarter ended June 30, 2026 compared to net income of $5.7 million for the quarter ended June 30, 2025, an increase of $2.6 million, or 45%. Compared to the linked quarter, net income increased $1.8 million, or 29%, from $6.4 million for the quarter ended March 31, 2026. Included in net income for the three months ended June 30, 2026 is a one-time pre-tax gain of $847 thousand attributable to the completed sale of the Company’s interest in Bearing Insurance Group, LLC to an unaffiliated third party.

Diluted earnings per share were $0.45 for the quarter ended June 30, 2026 compared to $0.31 for the quarter ended June 30, 2025, an increase of 45%. Compared to the quarter ended March 31, 2026, diluted earnings per share for the second quarter of 2026 increased $0.10, or 29%, from $0.35.

Return on average assets for the quarter ended June 30, 2026 was 1.48%, an increase from 1.17% for the quarter ended March 31, 2026, and an increase from 1.02% for the year ago quarter ended June 30, 2025. Return on average equity increased to 12.50% for the quarter ended June 30, 2026, compared to 10.04% for the quarter ended March 31, 2026, and 9.39% for the year ago quarter ended June 30, 2025.

Second Quarter Selected Financial Highlights

•Quarterly Core Operating Earnings Increased 36% Year-Over-Year. Core operating earnings (non-GAAP), which excludes from net income the gain on the sale of a minority interest totaling $847 thousand in 2026 and termination of derivative instruments totaling $154 thousand in 2025, increased 36%, or $2.0 million, to $7.6 million for the quarter ended June 30, 2026 compared to $5.5 million for the quarter ended June 30, 2025. Refer below to the “Reconciliation of Net Income (GAAP) to Core Operating Earnings (Non-GAAP)” table for further information.

•Net Interest Margin Increased to 3.53%, Up 22% Compared to the Year Ago Quarter. For the quarter ended June 30, 2026, net interest margin improved 63 basis points to 3.53% from 2.90% for the three months ended June 30, 2025, and increased 27 basis points compared to 3.26% for the linked quarter ended March 31, 2026. Net interest income for the second quarter of 2026 included $1.0 million in loan fees related to the prepayment of a commercial real estate ("CRE") loan at the end of the quarter. When excluding these loan fees, net interest margin was 3.35% for the second quarter of 2026, an increase of 9 basis points from the linked quarter ended March 31, 2026. Additionally, the Company's cost of deposits decreased to 2.40% for the quarter ended June 30, 2026, a decrease of 34 basis points from 2.74% for the year ago quarter ended June 30, 2025.

•Efficiency Ratio Improved to 49.71% for the Current Quarter. The efficiency ratio decreased 12% to 49.71% for the second quarter of 2026 compared 56.23% for the same period of 2025, and decreased 8% from 53.98% for the linked quarter ended March 31, 2026. Excluding the gain on the sale of minority interest of $847 thousand recorded during the second quarter of 2026, the adjusted efficiency ratio (non-GAAP) for the second quarter of 2026 was 51.77%.

•Core Deposits Grew 2% During the Quarter; 9% Year-Over-Year. Core deposits increased $42.8 million, or 2%, to $1.81 billion at June 30, 2026 compared to $1.77 billion at March 31, 2026, and increased $142.0 million, or 9%, when compared to $1.67 billion at June 30, 2025. Noninterest-bearing deposits increased $46.0 million, or 12%, to $415.3 million during the quarter ended June 30, 2026, and

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increased $59.1 million, or 17%, year-over-year. During the quarter, wholesale deposits decreased $18.8 million, or 7%, to end at $241.2 million at June 30, 2026.

•Continued Solid Credit Quality. Loans past due 30 days or more totaled $2.3 million at June 30, 2026, a decrease of $1.0 million, or 30%, from $3.3 million at March 31, 2026. Nonperforming loans to total assets remained at 0.48% at June 30, 2026 and at December 31, 2025. Nonperforming loans at June 30, 2026 decreased to $11.4 million from $12.2 million at March 31, 2026. The Company recorded net recoveries of $2 thousand for the quarter ended June 30, 2026.

•Sound, Well Capitalized Balance Sheet. Total risk-based capital to risk-weighted assets for FVCbank (the “Bank”) was 16.43% at June 30, 2026, compared to 15.38% at December 31, 2025. The tangible common equity ("TCE") to tangible assets ("TA") ratio for the Bank was 11.52% at June

EX-99.1

2 fvcb-20260331xexx991.htm

EX-99.1

Document

Exhibit 99.1

PRESS RELEASE

For further information, contact:

David W. Pijor, Esq., Chairman and Chief Executive Officer

Phone: (703) 436-3802

Email: dpijor@fvcbank.com

Patricia A. Ferrick, President

Phone: (703) 436-3822

Email: pferrick@fvcbank.com

FOR IMMEDIATE RELEASE – April 21, 2026

FVCBankcorp, Inc. Announces First Quarter 2026 Earnings;

24% Increase in Net Income Compared to Year Ago Quarter

Fairfax, VA-FVCBankcorp, Inc. (NASDAQ: FVCB) (the “Company”) today reported net income of $6.4 million for the quarter ended March 31, 2026 compared to net income of $5.2 million for the quarter ended March 31, 2025, an increase of $1.2 million, or 24%. Compared to the linked quarter, net income increased $739 thousand, or 13%, from $5.6 million for the quarter ended December 31, 2025.

Diluted earnings per share were $0.35 for the quarter ended March 31, 2026 compared to $0.28 for the quarter ended March 31, 2025, an increase of 25%. Compared to the quarter ended December 31, 2025, diluted earnings per share for the first quarter of 2026 increased $0.04, or 13%, from $0.31.

Return on average assets for the quarter ended March 31, 2026 was 1.17%, an increase from 1.00% for the quarter ended December 31, 2025, and an increase from 0.94% for the year ago quarter ended March 31, 2025. Return on average equity increased to 10.04% for the quarter ended March 31, 2026, compared to 8.94% for the quarter ended December 31, 2025, and 8.61% for the year ago quarter ended March 31, 2025.

First Quarter Selected Financial Highlights

•Pre-tax Pre-provision Operating Income Increased 31% Year-Over-Year. Pre-tax pre-provision operating income (non-GAAP) (which excludes provision for credit losses, acceleration of debt issuance costs on subordinated debt redemption, and income taxes) increased 31%, or $2.1 million, to $8.7 million for the quarter ended March 31, 2026 compared to $6.6 million for the quarter ended March 31, 2025. Refer below to the “Reconciliation of Net Income (GAAP) to Pre-Tax Pre-Provision Operating Income (Non-GAAP)” table for further information.

•Net Interest Margin Increased to 3.26%, Up 15% Compared to the Year Ago Quarter. For the quarter ended March 31, 2026, net interest margin improved 21 basis points to 3.26% from 3.05% for the three months ended December 31, 2025, the ninth consecutive quarter of margin improvement, and increased 43 basis points, or 15%, compared to 2.83% for the first quarter of 2025.

•Efficiency Ratio Improved to 53.98% for the Current Quarter. The efficiency ratio decreased 7% to 53.98% for the first quarter of 2026 compared to the same period of 2025. Net interest income increased $2.4 million, or 16%, to $17.4 million for the first quarter of 2026, compared to $15.1 million for the year ago quarter ended March 31, 2025 while operating expenses increased 8% to $9.9 million for the quarter ended March 31, 2026 compared to $9.1 million for the quarter ended March 31, 2025.

•Core Deposits Grew 3% During the Quarter; 7% Year-Over-Year. Core deposits increased $55.5 million, or 3%, to $1.77 billion at March 31, 2026 compared to $1.71 billion at December 31, 2025, and increased $111.1 million, or 7%, when compared to $1.66 billion at March 31, 2025. During the quarter, wholesale deposits decreased $25.0 million, or 9%, to end at $260.0 million at March 31, 2026.

•Continued Solid Credit Quality. Loans past due 30 days or more totaled $3.3 million at March 31, 2026, a decrease of $4.7 million, or 59%, from $8.0 million at December 31, 2025. Nonperforming loans to total assets increased to 0.52% at March 31, 2026 from 0.48% at December 31, 2025. Nonperforming loans at March 31, 2026 increased slightly to $12.2 million, from $10.9 million at December 31, 2025. The Company recorded net charge-offs of $3 thousand for the quarter ended March 31, 2026.

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•Redemption of Subordinated Debt and Senior Notes Issuance; Reduced Cost of Funds. During the quarter, the Company redeemed in full its $18.8 million in outstanding subordinated debt, which had reverted from fixed rate to floating rate paying 3-month SOFR plus 471 basis points, or 8.59%. This funding source was replaced by a private placement of $25 million in senior unsecured notes (the “Senior Notes”) which have a fixed rate of 6.75%. The Senior Notes were rated BBB (low) by Morningstar DBRS and have a three-year term maturing on March 1, 2029.

•Sound, Well Capitalized Balance Sheet. Total risk-based capital to risk-weighted assets for FVCbank (the “Bank”) was 15.86% at March 31, 2026, compared to 15.38% at December 31, 2025. The tangible common equity ("TCE") to tangible assets ("TA") ratio for the Bank was 11.33% at March 31, 2026, down slightly from 11.38% at December 31, 2025. The Bank’s investment securities are classified as available-for-sale, and therefore the unrealized losses on these securities are fully reflected in the TCE/TA ratio.

•Quarterly