---
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"
generated_at: "2026-05-18T04:22:52.248245+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FVCBankcorp Q2 net income $5.7M, EPS $0.31, up 36% YoY; initiates $0.06 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001675644-25-000118
- JSON: https://secwatch.observer/filing/0001675644-25-000118.json
- Plain text: https://secwatch.observer/filing/0001675644-25-000118.txt

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