---
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"
generated_at: "2026-05-30T11:41:05.895599+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# FVCBankcorp Q3 net income $4.7M, up 16% YoY; NIM expands 25bps to 2.64%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001675644-24-000184
- JSON: https://secwatch.observer/filing/0001675644-24-000184.json
- Plain text: https://secwatch.observer/filing/0001675644-24-000184.txt

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