---
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"
generated_at: "2026-05-23T09:23:28.140570+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/1675644/000167564425000088/0001675644-25-000088-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1675644/000167564425000088/fvcb-20250422.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001675644-25-000088
- JSON: https://secwatch.observer/filing/0001675644-25-000088.json
- Plain text: https://secwatch.observer/filing/0001675644-25-000088.txt

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