{"schema_version":"secwatch.filing_event.v1","accession":"0001675644-24-000184","form_type":"8-K","ticker":"FVCB","cik":"0001675644","company_name":"FVCBankcorp, Inc.","filed_at":"2024-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.193628+00:00","generated_at":"2026-05-30T11:41:05.895599+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"FVCBankcorp Q3 net income $4.7M, up 16% YoY; NIM expands 25bps to 2.64%","bullets":["Net income $4.7M ($0.25 diluted EPS) vs $4.0M ($0.22) in Q3 2023, up $630K.","Net interest margin improved to 2.64% from 2.39% YoY; up 5bps linked quarter to 2.59%.","Classified loans decreased 86% to $3.2M from prior quarter; nonaccrual loans at 0.16% of assets.","Bank well capitalized: total risk-based capital ratio 14.52% vs 13.83% at Dec 2023.","Nine-month 2024 net income $10.2M ($0.55) vs $8.9M ($0.49) YoY, up 14%."],"urls":{"canonical":"https://secwatch.observer/filing/0001675644-24-000184","json":"https://secwatch.observer/filing/0001675644-24-000184.json","markdown":"https://secwatch.observer/filing/0001675644-24-000184.md","text":"https://secwatch.observer/filing/0001675644-24-000184.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1675644/000167564424000184/0001675644-24-000184-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1675644/000167564424000184/fvcb-20241022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:41:05.895599+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"}