FVCBankcorp Q1 net income $5.2M ($0.28 EPS); NIM improves 15% YoY

FVCBankcorp, Inc.

2025-Q1 EPS reported $0.28 revenue$382,000

Net income $5.2M ($0.28 diluted EPS) vs $4.9M ($0.26) in Q4 2024, up 5% sequentially.
Net interest margin 2.83%, up 36 bps YoY; net interest income $15.1M, up 18% YoY.
Loans past due 30+ days fell 84% to $1.3M; nonperforming loans down 16% to $10.7M.
Total risk-based capital ratio 15.07% (well capitalized); TCE/TA 10.98%.
Excluding BOLI tax charge, operating EPS $0.28 vs $0.20 in Q1 2024, up 39%.

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