Page 1

Table of Contents ( Mark One ) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K □ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 or TRANSITION REPORT PURSUANT TO SECTION 13 or 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF ☐ 1934 For the transition period from to Commission file number : 001-38647 FVCBankcorp , Inc. ( Exact name of registrant as specified in its charter ) 47-5020283 ( I.R.S. Employer Identification No. ) Virginia ( State or other jurisdiction of incorporation or organization ) 11325 Random Hills Road , Suite 240 Fairfax , Virginia ( Address of principal executive offices ) Registrant's telephone number , including area code : ( 703 ) 436-3800 Securities registered pursuant to Section 12 ( b ) of the Act : Title of Each Class : Common Stock , $ 0.01 par value Securities registered pursuant to Section 12 ( g ) of the Act : None Trading Symbol ( s ) FVCB 22030 ( Zip Code ) Name of Each Exchange on Which Registered : The Nasdaq Stock Market , LLC Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes □ No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes No Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes No ☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S - T ( § 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes > No □ Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer Accelerated filer ☐ Non - accelerated filer Smaller reporting company Emerging growth company If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . Yes □ No ☑ State the aggregate market value of the voting and non - voting common equity held by non - affiliates computed by reference to the price at which the common equity was last sold as of June 30 , 2020 : $ 125,869,695 . The number of shares outstanding of Common Stock , as of March 19 , 2021 , was 13,639,910 . DOCUMENTS INCORPORATED BY REFERENCE Portions of the registrant's definitive Proxy Statement for the 2021 Annual Meeting of Shareholders are incorporated by reference into Part III of the Form 10 - K . With the exception of the portions of the Proxy Statement specifically incorporated herein by reference , the Proxy Statement is not deemed to be filed as part of this Form 10 - K .