{"schema_version":"secwatch.filing_event.v1","accession":"0001675644-25-000004","form_type":"8-K","ticker":"FVCB","cik":"0001675644","company_name":"FVCBankcorp, Inc.","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.404229+00:00","generated_at":"2026-05-27T14:45:29.934817+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"FVCBankcorp Q4 2024 net income $4.9M ($0.26 EPS); NIM improves to 2.77%","bullets":["Net income $4.9M, up 5% from linked Q3 ($4.7M) vs net loss $5.1M in Q4 2023.","Diluted EPS $0.26 vs $0.25 linked quarter; adjusted operating EPS $0.26.","Net interest margin 2.77%, +40 bps YoY; fourth straight quarter of margin growth.","Noninterest expense $9.0M, down 2% linked quarter; efficiency ratio 58.6%.","Total risk-based capital ratio 14.73%, above well-capitalized thresholds."],"urls":{"canonical":"https://secwatch.observer/filing/0001675644-25-000004","json":"https://secwatch.observer/filing/0001675644-25-000004.json","markdown":"https://secwatch.observer/filing/0001675644-25-000004.md","text":"https://secwatch.observer/filing/0001675644-25-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1675644/000167564425000004/0001675644-25-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1675644/000167564425000004/fvcb-20250123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T14:45:29.934817+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"}