{"schema_version":"secwatch.filing_event.v1","accession":"0001675644-26-000002","form_type":"8-K","ticker":"FVCB","cik":"0001675644","company_name":"FVCBankcorp, Inc.","filed_at":"2026-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.860467+00:00","generated_at":"2026-05-16T09:33:52.742819+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 Q4 net income $5.6M, $0.31 EPS; full-year net income up 46% to $22.1M","bullets":["Q4 net income $5.6M ($0.31 diluted EPS) vs $4.9M ($0.26) in Q4 2024; full-year net income $22.1M ($1.21 EPS) up 46%.","Net interest margin reached 3.05% in Q4 2025, eighth consecutive quarterly improvement, up 28 bps YoY.","Deposits grew 7% to $2.00B; loans up 4% to $1.94B; nonperforming loans fell 15% to $10.9M.","Declared Q1 2026 cash dividend of $0.06/share, payable Feb 17, 2026 to holders of record Jan 26, 2026.","Pre-tax pre-provision operating income (non-GAAP) rose 32% YoY to $8.4M in Q4 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001675644-26-000002","json":"https://secwatch.observer/filing/0001675644-26-000002.json","markdown":"https://secwatch.observer/filing/0001675644-26-000002.md","text":"https://secwatch.observer/filing/0001675644-26-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1675644/000167564426000002/0001675644-26-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1675644/000167564426000002/fvcb-20260120.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:33:52.742819+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"}