Risk factors
FVCBankcorp (FVCB) risk factors
Item 1A of every FVCBankcorp, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors36 risks3 new2 dropped3 reworded
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 factors35 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