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FVCB • CIK 0001675644
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $98,373 | $106,668 | $108,912 | $113,194 |
| Interest Income, Debt Securities, Held-to-maturity | $6 | $6 | $6 | $3 |
| Interest Income, Debt Securities, Available-for-sale, Operating | $4,949 | $3,734 | $3,648 | $3,533 |
| Interest Income (Expense), Net | $54,396 | $55,589 | $63,769 | $69,511 |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal | $132 | $6 | $1,589 | $1,693 |
| Interest Income, Deposits with Financial Institutions | $2,641 | $2,293 | $5,381 | $4,197 |
| Interest Income (Expense), after Provision for Loan Loss | $54,264 | $55,583 | $62,180 | $67,818 |
| Interest and Dividend Income, Operating | $106,615 | $113,312 | $118,397 | $121,312 |
| Net Income (Loss) Attributable to Parent | $3,822 | $15,064 | $22,057 | $25,833 |
| Interest Expense, Deposits | $47,345 | $53,206 | $52,026 | $49,340 |
| Interest Expense, Federal Funds Purchased | $11 | $2 | $0 | $0 |
| InterestExpenseOperating | — | $57,723 | $54,628 | $51,801 |
| Labor and Related Expense | $20,643 | $18,752 | $20,125 | $21,676 |
| Equipment Expense | $2,357 | $2,027 | $2,108 | $2,088 |
| Information Technology and Data Processing | $2,468 | $2,719 | $2,236 | $2,382 |
| Federal Deposit Insurance Corporation Premium Expense | $1,433 | $1,321 | $1,098 | $998 |
| Marketing and Advertising Expense | — | $969 | $796 | $836 |
| Noninterest Expense Directors Fees | $660 | $637 | $630 | $660 |
| Amortization of Intangible Assets | $205 | $165 | $125 | $105 |
| Other Noninterest Expense | $2,806 | $2,983 | $3,573 | $3,782 |
| Noninterest Expense | $36,662 | $35,820 | $37,570 | $39,470 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $4,232 | $22,297 | $28,247 | $33,341 |
| Income Tax Expense (Benefit) | $410 | $7,233 | $6,190 | $7,508 |
| Bank Owned Life Insurance Income | $1,452 | $397 | $289 | $295 |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | $-1,110 | $376 | $1,247 | $1,595 |
| Debt and Equity Securities, Gain (Loss) | $-15,577 | $0 | $91 | $-63 |
| Noninterest Income, Other Operating Income | $837 | $635 | $762 | $834 |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 0 | 0 | 0 | -6,788 |
| Weighted Average Number of Shares Outstanding, Basic | 17,723 | 18,057,000 | 18,121,000 | 17,883,000 |
| Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements | 508 | 340,000 | 139,000 | 133,000 |
| Weighted Average Number of Shares Outstanding, Diluted | 18,231 | 18,397,000 | 18,260,000 | 18,016,000 |
| Legal Fees | $858 | — | — | $917 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $8,042 | $8,161 | $5,684 | $12,240 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $52,480 | $82,789 | $121,947 | $238,746 |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss | $264 | $265 | $265 | $265 |
| Debt Securities, Held-to-maturity, Fair Value | $252 | $256 | $262 | $263 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $171,595 | $156,475 | $153,159 | $146,934 |
| Deposits, Wholesale | — | $249,887 | $284,957 | $241,188 |
| Restricted Investments | $9,488 | $8,186 | $5,446 | $5,465 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossNoncurrent | $1,809,693 | $1,852,106 | $1,922,397 | $1,880,231 |
| Property, Plant and Equipment, Net | $997 | $858 | $693 | $635 |
| Interest Receivable | $10,321 | $10,315 | $10,277 | $10,188 |
| Prepaid Expense | $3,506 | $3,413 | $3,311 | $4,456 |
| Deferred Income Tax Assets, Net | $14,823 | $13,273 | $12,251 | $12,289 |
| Intangible Assets, Net (Including Goodwill) | $7,585 | $7,420 | $7,295 | $7,247 |
| Bank Owned Life Insurance | $56,823 | $9,219 | $9,508 | $9,655 |
| Operating Lease, Right-of-Use Asset | $8,395 | $7,124 | $6,062 | $5,324 |
| Other Assets | $36,546 | $39,346 | $33,961 | $33,519 |
| Assets | $2,190,558 | $2,198,950 | $2,292,256 | $2,367,194 |
| Federal Funds Purchased | $0 | $0 | — | $0 |
| Subordinated Debt | $19,620 | $18,695 | $18,750 | $24,481 |
| Interest Payable | $2,415 | $2,505 | $2,076 | $2,632 |
| Operating Lease, Liability | $9,241 | $7,638 | $6,486 | $5,679 |
| Accounts Payable and Accrued Liabilities | $11,271 | $13,643 | $13,596 | $15,483 |
| Liabilities | $1,973,441 | $1,963,596 | $2,038,656 | $2,100,618 |
| Preferred Stock, Value, Issued | — | $0 | $0 | $0 |
| Common Stock, Value, Issued | $178 | $182 | $179 | $180 |
| Additional Paid in Capital | $125,209 | $127,471 | $122,144 | $121,764 |
| Retained Earnings (Accumulated Deficit) | $115,890 | $130,967 | $150,857 | $163,121 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-24,160 | $-23,266 | $-19,580 | $-18,489 |
| Stockholders' Equity Attributable to Parent | $217,117 | $235,354 | $253,600 | $266,576 |
| Noninterest-bearing Deposit Liabilities | $396,724 | $365,666 | $363,228 | $415,286 |
| Interest-bearing Deposit Liabilities | $896,969 | $623,811 | $741,034 | $705,016 |
| Deposits, Savings Deposits | — | $383,087 | $331,048 | $377,475 |
| Time Deposits | $551,599 | $248,154 | $277,010 | $312,763 |
| Deposits | $1,845,292 | $1,870,605 | $1,997,277 | $2,051,728 |
| DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest | $0 | $0 | $0 | $0 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $18,871 | $18,129 | $18,886 | $19,151 |
| Preferred Stock, Shares Authorized | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 20,000,000 | 20,000,000 | 20,000,000 | 20,000,000 |
| Common Stock, Shares, Issued | 17,806,995 | 18,204,455 | 17,917,504 | 18,034,205 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $3,822 | $15,064 | $22,057 | $25,833 |
| Net Cash Provided by (Used in) Operating Activities | $16,269 | $18,232 | $23,859 | $31,713 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $8,042 | $8,161 | $5,684 | $2,164 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $789 | $119 | $-2,477 | $-2,387 |
| Depreciation | $390 | $280 | $212 | $182 |
| Proceeds from (Payments for) in Interest-bearing Deposits in Banks | $21,820 | $-30,309 | $-39,158 | $-118,241 |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal | $132 | $6 | $1,589 | $1,693 |
| Payments to Acquire Debt Securities, Available-for-sale | $0 | $1,884 | $2,941 | $946 |
| Investment Income, Amortization of Premium | $593 | $237 | $189 | $175 |
| Amortization of Deferred Loan Origination Fees, Net | $1,855 | $1,384 | $487 | $945 |
| Payments for (Proceeds from) Loans and Leases | $-13,777 | $41,127 | $71,393 | $29,803 |
| Gains (Losses) on Sales of Other Real Estate | $-273 | $0 | — | $0 |
| Proceeds from Life Insurance Policy | — | $47,774 | $0 | $0 |
| Gain (Loss) on Investments | $-1,110 | $376 | $1,247 | $1,595 |
| Proceeds from Equity Method Investment, Distribution, Return of Capital | $0 | — | — | $0 |
| Amortization of Debt Issuance Costs | $55 | $59 | $55 | $278 |
| Amortization of Intangible Assets | $205 | $165 | $125 | $105 |
| Payments to Acquire Property, Plant, and Equipment | $212 | $141 | $47 | $44 |
| Net Cash Provided by (Used in) Investing Activities | $149,226 | $-8,919 | $-94,656 | $-130,660 |
| Share-based Payment Arrangement, Noncash Expense | $1,143 | $789 | $854 | $975 |
| Bank Owned Life Insurance Income | $1,452 | $397 | $289 | $295 |
| Deferred Income Tax Expense (Benefit) | $934 | $1,308 | $-29 | $-29 |
| Increase (Decrease) in Other Operating Assets | $16 | $-2,510 | $-1,352 | $-3,008 |
| Increase (Decrease) in Other Operating Liabilities | $-4,347 | $121 | $-558 | $2,985 |
| Increase (Decrease) in Time Deposits | $43,179 | $-53,558 | $63,926 | $40,263 |
| Increase (Decrease) in Federal Funds Purchased | $30,000 | $0 | — | $-469 |
| Payment, Tax Withholding, Share-based Payment Arrangement | — | $179 | $53 | $46 |
| Payments for Repurchase of Common Stock | $1,460 | $0 | $6,677 | $4,119 |
| Payments of Ordinary Dividends, Common Stock | — | — | $2,167 | $4,511 |
| Proceeds from Issuance of Common Stock | $1,744 | $1,656 | $545 | $1,501 |
| Net Cash Provided by (Used in) Financing Activities | $-164,706 | $-9,194 | $68,320 | $96,560 |