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11325 Random Hills Road
Fairfax, VA 22030

First Virginia Community Bank is headquartered in Fairfax and is the 39th largest bank in the state of Virginia. It is also the 1,255th largest bank in the nation. It was established in 2007 and as of June of 2014, it had grown to 63 employees at 5 locations. First Virginia Community Bank has a A+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 First Virginia Community Bank had $2.32 million in non-current loans and owned real-estate with $68.74 million in equity and loan loss allowances on hand to cover it. This gives First Virginia Community Bank a Texas Ratio of 3.37% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Virginia Community Bank decreased dramatically from 7.87% as of June 30, 2013 to 3.37% as of June 30, 2014, resulting in a positive change of 57.16%.This indicates that the balance sheet and financial strength for First Virginia Community Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, First Virginia Community Bank has increased its total deposits by $73.66 million, resulting in 18.74% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Virginia Community Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Virginia Community Bank has $534.58 million in assets with $68.74 million in equity, resulting in a capitalization level of 12.86%, which is excellent.

Institution Statistics

FDIC Certificate #58696
Year Established2007
Primary RegulatorFED
Assets and Liabilities
Assets$534.58 million
Loans$432.89 million
Deposits$466.65 million
Equity Capital$63.89 million
Loan Loss Allowance$4.85 million
Unbacked Noncurrent Loans$2.32 million
Real Estate Owned$0
Historic Data - June 2013
Assets$456.14 million
Equity Capital$59.83 million
Loan Loss Allowance$4.11 million
Unbacked Noncurrent Loans$2.32 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.69%
Return on Equity5.79%
Interest Income$10.46 million

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First Virginia Community Bank Savings Account Rates

0.30%--First Business Savings
0.30%--First Student Savings
0.30%--Health Savings Account
0.30%--First Statement Savings

First Virginia Community Bank Money Market Rates

0.20%$25k-Business Money Market
0.20%$25k-Personal Money Market

First Virginia Community Bank Checking Account Rates

0.25%--Not For Profit Solution
0.15%--Senior Checking
0.10%--Business Interest Checking
0.10%--Interest Checking

First Virginia Community Bank CD Rates

1.40%--60 Month CD
1.20%--48 Month CD
1.20%--Business 48 Month CD
1.00%--36 Month CD
1.00%--Business 36 Month CD
0.45%--Business 12 Month CD

First Virginia Community Bank IRA Rates

1.00%$1k-36 Month IRA
0.45%--12 Month IRA

First Virginia Community Bank Locations
Reston Office Branch11260 Roger Bacon Drive, Suite 101Reston, VA 20190
First Virginia Community Bank11325 Random Hills RoadFairfax, VA 22030
Arlington Branch2500 Wilson Boulevard Suite 100Arlington, VA 22201
Sudley Office7900 Sudley Road, Suite 100Manassas, VA 20109