FVCbank is a community bank headquartered in Fairfax, Virginia, serving small and medium-sized businesses, professional service firms, nonprofits, and government contractors in the Washington, D.C. and Baltimore metro areas. Like most community banks, FVCbank earns money by taking in deposits and lending them out at higher rates, with net interest income as the primary earnings driver. The loan portfolio is concentrated in commercial real estate (~61% of loans) and commercial and industrial loans (~23%), with the remainder in consumer residential loans. Within C&I, FVCbank has built a niche in government contract financing — lending to federal contractors through lines of credit secured by government receivables, which account for roughly 45% of the C&I book. FVCbank also holds a ~29% stake in Atlantic Coast Mortgage, which sources residential loans for the bank's portfolio. The bank also provides deposit and lending services to licensed cannabis operators in Virginia, Maryland, and D.C., a segment many banks avoid. FVCbank competes on relationship quality and niche expertise rather than price, positioning itself as a locally owned alternative to large national banks. The bank grows primarily by hiring experienced bankers, deepening existing customer relationships, and selectively adding branches or acquiring smaller banks.