---
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"
generated_at: "2026-05-17T03:02:37.584959+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FVCBankcorp Q3 net income up 19% YoY to $5.6M; EPS $0.31, up 24%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001675644-25-000141
- JSON: https://secwatch.observer/filing/0001675644-25-000141.json
- Plain text: https://secwatch.observer/filing/0001675644-25-000141.txt

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