{"schema_version":"secwatch.filing_event.v1","accession":"0001675644-22-000063","form_type":"8-K","ticker":"FVCB","cik":"0001675644","company_name":"FVCBankcorp, Inc.","filed_at":"2022-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.671673+00:00","generated_at":"2026-06-23T02:20:09.617768+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"FVCBankcorp Q3 net income record $7.0M, EPS $0.48, up 50% YoY; NIM expands 41 bps to 3.38%","bullets":["Q3 net income $7.0M ($0.48 diluted EPS), up 50% from $4.7M ($0.32) in Q3 2021.","Net interest income $17.5M (+21% YoY); net interest margin 3.38% (+41 bps YoY).","Loans receivable grew $50.2M in Q3 to $1.71B, up 17% YoY; core deposits up $139.8M YoY.","Nonperforming assets remain low at 0.17% of total assets; net charge-offs $8K.","Efficiency ratio improved to 47.5% from 52.3% (excl merger costs) in prior year."],"urls":{"canonical":"https://secwatch.observer/filing/0001675644-22-000063","json":"https://secwatch.observer/filing/0001675644-22-000063.json","markdown":"https://secwatch.observer/filing/0001675644-22-000063.md","text":"https://secwatch.observer/filing/0001675644-22-000063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1675644/000167564422000063/0001675644-22-000063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1675644/000167564422000063/fvcb-20221020.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:20:09.617768+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}