FVCBankcorp (FVCB) risk factors

Item 1A of every FVCBankcorp, Inc. 10-K on file, and what changed from one year to the next.

FY2025 10-K risk factors
36 risks, 3 new, 2 dropped, 3 reworded since the prior year. Exposure to government contractors grew as loan concentrations increased to 23% of total commercial loans. Cannabis banking risks were newly disclosed regarding regional state-licensed operators. Nonperforming loans improved slightly down to $10.7 million or 0.55% of total loans.
Filed Mar 16, 2026
FY2024 10-K risk factors
35 risks. Washington D.C. area bank exposed to commercial real estate concentration and regional economic downturns. Heavy reliance on government contractor borrowers for commercial and industrial loans. Vulnerable to interest rate fluctuations, inflation, and deposit retention pressures.
Filed Mar 20, 2025