{"schema_version":"secwatch.filing_event.v1","accession":"0001675644-25-000141","form_type":"8-K","ticker":"FVCB","cik":"0001675644","company_name":"FVCBankcorp, Inc.","filed_at":"2025-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.119064+00:00","generated_at":"2026-05-17T03:02:37.584959+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"FVCBankcorp Q3 net income up 19% YoY to $5.6M; EPS $0.31, up 24%","bullets":["Net interest margin improved to 2.91%, 7th consecutive quarterly increase; net interest income up 13% vs Q3 2024.","Core deposits grew 10% annualized to $1.74B; past due loans dropped 68% to $880K.","YTD net income $16.4M, up 61% from $10.2M in prior year; core operating earnings up 19%.","Declared $0.06/share cash dividend payable Nov 17 to holders of record Oct 27.","Bank well-capitalized with total risk-based capital ratio of 15.77%."],"urls":{"canonical":"https://secwatch.observer/filing/0001675644-25-000141","json":"https://secwatch.observer/filing/0001675644-25-000141.json","markdown":"https://secwatch.observer/filing/0001675644-25-000141.md","text":"https://secwatch.observer/filing/0001675644-25-000141.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1675644/000167564425000141/0001675644-25-000141-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1675644/000167564425000141/fvcb-20251021.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:02:37.584959+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"}