{"schema_version":"secwatch.filing_event.v1","accession":"0001675644-25-000118","form_type":"8-K","ticker":"FVCB","cik":"0001675644","company_name":"FVCBankcorp, Inc.","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.613703+00:00","generated_at":"2026-05-18T04:22:52.248245+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"FVCBankcorp Q2 net income $5.7M, EPS $0.31, up 36% YoY; initiates $0.06 dividend","bullets":["Net income $5.7M ($0.31 diluted EPS) for Q2 2025, up 36% from Q2 2024 ($4.2M, $0.23).","Net interest margin improved to 2.90% from 2.59% a year ago; net interest income $15.8M, up 15% YoY.","Strong credit quality: loans past due 30+ days down 67% to $2.8M; nonperforming loans down to $10.5M.","Initiated quarterly cash dividend of $0.06 per share, payable Aug 18, 2025; also repurchased 415K shares for $4.6M in Q2.","Capital ratios well above well-capitalized thresholds; total risk-based capital 15.28% vs 14.73% at Dec 31, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001675644-25-000118","json":"https://secwatch.observer/filing/0001675644-25-000118.json","markdown":"https://secwatch.observer/filing/0001675644-25-000118.md","text":"https://secwatch.observer/filing/0001675644-25-000118.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1675644/000167564425000118/0001675644-25-000118-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1675644/000167564425000118/fvcb-20250722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:22:52.248245+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"}