- **Net income** for Q3 2025 increased **19%** to **$5.6 million** compared to Q3 2024, with diluted earnings per share at **$0.31**.  **[1675644_0001675644-25-000141_fvcb-20250930xexx991.htm:9]** **[1675644_0001675644-25-000141_fvcb-20250930xexx991.htm:23]**  For the nine months ended September 30, 2025, net income rose **61%** to **$16.4 million**, or **$0.90** diluted earnings per share.  **[1675644_0001675644-25-000141_fvcb-20250930xexx991.htm:2]** **[1675644_0001675644-25-000141_fvcb-20250930xexx991.htm:25]** 
- **Net interest income** for Q3 2025 grew **13%** to **$16.0 million** compared to the year-ago quarter, and the **net interest margin** improved to **2.91%** from 2.64% in Q3 2024.  **[1675644_0001675644-25-000141_fvcb-20250930xexx991.htm:1]** **[1675644_0001675644-25-000141_fvcb-20250930xexx991.htm:9]** 
- **Core deposits** increased by **$122.2 million**, or **8%**, to **$1.74 billion** at September 30, 2025, compared to December 31, 2024.  **[1675644_0001675644-25-000141_fvcb-20250930xexx991.htm:1]** **[1675644_0001675644-25-000141_fvcb-20250930xexx991.htm:4]** 
- **Asset quality improved**, with loans past due 30 days or more decreasing **68%** to **$880 thousand** at September 30, 2025, and nonperforming loans decreasing **14%** to **$11.1 million** from December 31, 2024.  **[1675644_0001675644-25-000141_fvcb-20250930xexx991.htm:1]** 
- The Company's Board of Directors declared a **quarterly cash dividend of $0.06** per share on October 16, 2025.  **[1675644_0001675644-25-000141_fvcb-20250930xexx991.htm:1]** **[1675644_0001675644-25-000141_fvcb-20251021.htm:2]**

FVCBankcorp, Inc. Reports Strong Q3 2025 Earnings and Declares Dividend

- **Net income** for the quarter ended September 30, 2025, increased **19%** to **$5.6 million** compared to **$4.7 million** for the same period in 2024, with **diluted earnings per share** rising **24%** to **$0.31** from **$0.25**.  **[1675644_c51c046a4d054a13999360666588227a_0]** 
- **Net interest income** grew **13%** to **$16.0 million** for Q3 2025, up from **$14.2 million** in Q3 2024, while **net interest margin** improved to **2.91%** from **2.64%** in the year-ago quarter.  **[1675644_c51c046a4d054a13999360666588227a_1]** 
- The company reported **annualized core deposit growth** of over **10%**, with core deposits reaching **$1.74 billion** at September 30, 2025, an increase of **$122.2 million** since December 31, 2024.  **[1675644_c51c046a4d054a13999360666588227a_1]** 
- **Credit quality remained strong**, with **loans past due 30 days or more** decreasing **68%** to **$880 thousand** at September 30, 2025, and **nonperforming loans** decreasing to **$11.1 million** from **$12.9 million** at December 31, 2024.  **[1675644_c51c046a4d054a13999360666588227a_1]** 
- FVCBankcorp, Inc. declared a **quarterly cash dividend of $0.06** per share on October 16, 2025.  **[1675644_c51c046a4d054a13999360666588227a_1]**

FVCBankcorp (FVCB)