---
schema_version: "secwatch.filing_event.v1"
accession: "0001675644-23-000114"
form_type: "8-K"
ticker: "FVCB"
cik: "0001675644"
company_name: "FVCBankcorp, Inc."
filed_at: "2023-10-24T23:59:59+00:00"
generated_at: "2026-06-09T14:17:57.201124+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FVCB Q3 net income falls to $4.0M ($0.22 EPS) from $7.0M ($0.38 EPS) YoY

## Summary
- Net income $4.0M vs $7.0M YoY; diluted EPS $0.22 vs $0.38.
- Net interest income $13.3M, down 24% YoY; NIM compressed to 2.39% from 3.38%.
- Total loans decreased $54.3M in Q3; core deposits increased $38.7M to $1.71B.
- Nonperforming loans improved to $1.5M (0.07% of assets) from $4.5M at Dec 2022.
- Book value per share $11.87; tangible book $11.44; bank well-capitalized.

## SEC filing metadata
- accession: 0001675644-23-000114
- form_type: 8-K
- ticker: FVCB
- cik: 0001675644
- company_name: FVCBankcorp, Inc.
- filed_at: 2023-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1675644/000167564423000114/0001675644-23-000114-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1675644/000167564423000114/fvcb-20231024.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001675644-23-000114
- JSON: https://secwatch.observer/filing/0001675644-23-000114.json
- Plain text: https://secwatch.observer/filing/0001675644-23-000114.txt

## Key facts
- Earnings Releases
  FVCBankcorp, Inc. reported third quarter of 2023 results: net income $4.0 million, EPS $0.22 diluted earnings per share.
  - Period: third quarter of 2023
  - Net income: $4.0 million
  - EPS: $0.22 diluted earnings per share
  - Result: reported results
  source text: Net income for the third quarter of 2023 was $4.0 million, or $0.22 diluted earnings per share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1675644/000167564423000114/0001675644-23-000114-index.htm
- Earnings Releases
  FVCBankcorp, Inc. reported nine months ended September 30, 2023 results: net income $8.9 million, EPS $0.49 diluted earnings per share.
  - Period: nine months ended September 30, 2023
  - Net income: $8.9 million
  - EPS: $0.49 diluted earnings per share
  - Result: reported results
  source text: For the nine months ended September 30, 2023, the Company reported net income of $8.9 million, or $0.49 diluted earnings per share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1675644/000167564423000114/0001675644-23-000114-index.htm

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