---
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"
generated_at: "2026-06-23T02:20:09.617768+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# FVCBankcorp Q3 net income record $7.0M, EPS $0.48, up 50% YoY; NIM expands 41 bps to 3.38%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1675644/000167564422000063/0001675644-22-000063-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1675644/000167564422000063/fvcb-20221020.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001675644-22-000063
- JSON: https://secwatch.observer/filing/0001675644-22-000063.json
- Plain text: https://secwatch.observer/filing/0001675644-22-000063.txt

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