---
schema_version: "secwatch.filing_event.v1"
accession: "0001675644-22-000046"
form_type: "8-K"
ticker: "FVCB"
cik: "0001675644"
company_name: "FVCBankcorp, Inc."
filed_at: "2022-07-21T23:59:59+00:00"
generated_at: "2026-06-24T10:03:36.281503+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# FVCBankcorp reports Q2 2022 net income $6.4M, up 24% YoY; record 10% quarterly loan growth

## Summary
- Net income $6.4M ($0.43 diluted EPS) vs $5.2M ($0.36) in Q2 2021, up 24%.
- Loans receivable net of deferred fees $1.66B, up 10% quarterly ($151.8M increase) – record growth.
- Net interest margin expanded 23 bps to 3.30% from 3.07% a year ago.
- Nonperforming assets were 0.15% of total assets ($3.5M), down from 0.16% at Dec 2021.
- Efficiency ratio improved to 47.1% from 55.3% in prior-year quarter.

## SEC filing metadata
- accession: 0001675644-22-000046
- form_type: 8-K
- ticker: FVCB
- cik: 0001675644
- company_name: FVCBankcorp, Inc.
- filed_at: 2022-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1675644/000167564422000046/0001675644-22-000046-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1675644/000167564422000046/fvcb-20220721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001675644-22-000046
- JSON: https://secwatch.observer/filing/0001675644-22-000046.json
- Plain text: https://secwatch.observer/filing/0001675644-22-000046.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.