{"schema_version":"secwatch.filing_event.v1","accession":"0001675644-25-000088","form_type":"8-K","ticker":"FVCB","cik":"0001675644","company_name":"FVCBankcorp, Inc.","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.302081+00:00","generated_at":"2026-05-23T09:23:28.140570+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 Q1 net income $5.2M ($0.28 EPS); NIM improves 15% YoY","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001675644-25-000088","json":"https://secwatch.observer/filing/0001675644-25-000088.json","markdown":"https://secwatch.observer/filing/0001675644-25-000088.md","text":"https://secwatch.observer/filing/0001675644-25-000088.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1675644/000167564425000088/0001675644-25-000088-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1675644/000167564425000088/fvcb-20250422.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:23:28.140570+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"}