---
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"
generated_at: "2026-05-27T14:45:29.934817+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# FVCBankcorp Q4 2024 net income $4.9M ($0.26 EPS); NIM improves to 2.77%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001675644-25-000004
- JSON: https://secwatch.observer/filing/0001675644-25-000004.json
- Plain text: https://secwatch.observer/filing/0001675644-25-000004.txt

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