FVCBankcorp, Inc. (FVCB): debt financing — FVCBankcorp closes $25M senior notes at 6.75%, redeems $19M sub debt

FVCBankcorp, Inc.

Issued $25M 6.75% fixed-rate senior unsecured notes due March 2029; rated BBB (low) by Morningstar DBRS.
Net proceeds for general corporate purposes, including supporting capital ratios at FVCbank.
Offering oversubscribed; Piper Sandler & Co. served as sole placement agent.
On Jan 15, 2026, redeemed $19M subordinated debt paying 3-month SOFR+471bps (8.59%).
Notes rank pari passu with existing senior unsecured debt; not convertible; include customary covenants.

item 1.01 item 2.03 item 7.01 item 8.01 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Debt Financings SEC 8-K Item 2.03/2.04 confidence 0.9

FVCBankcorp, Inc. incurred senior notes of $25.0 million at 6.75% maturing March 1, 2029.

Instrument: senior notes
Principal: $25.0 million
Rate: 6.75%
Maturity: March 1, 2029
Event: incurrence

Exact text from the filing

On February 11, 2026, FVCBankcorp, Inc. (the “Company”) entered into a Senior Unsecured Note Purchase Agreement (the “Purchase Agreement”) with certain qualified institutional buyers and institutional accredited investors pursuant to which the Company sold and issued an aggregate of $25.0 million in aggregate principal amount of Fixed Rate Senior Unsecured Notes due March 1, 2029 (the “Notes”) in a private placement.

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Material Agreements SEC 8-K Item 1.01/1.02 confidence 0.95

FVCBankcorp, Inc. entered into Senior Unsecured Note Purchase Agreement with certain qualified institutional buyers and institutional accredited investors valued at $25.0 million aggregate principal amount of 6.75% Fixed Rate Senior Unsecured Notes due March 1, 202 (effective 2026-02-11).

Action: entry
Agreement: notes offering
Counterparty: certain qualified institutional buyers and institutional accredited investors
Value: $25.0 million aggregate principal amount of 6.75% Fixed Rate Senior Unsecured Notes due March 1, 202
Effective: 2026-02-11

Exact text from the filing

On February 11, 2026, FVCBankcorp, Inc. (the “Company”) entered into a Senior Unsecured Note Purchase Agreement (the “Purchase Agreement”) with certain qualified institutional buyers and institutional accredited investors pursuant to which the Company sold and issued an aggregate of $25.0 million in aggregate principal amount of Fixed Rate Senior Unsecured Notes due March 1, 2029 (the “Notes”) in a private placement.

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FVCBankcorp, Inc. filing history →

Source: SEC EDGAR

accession 0001675644-26-000006

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