---
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"
generated_at: "2026-05-16T09:33:52.742819+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FVCBankcorp Q4 net income $5.6M, $0.31 EPS; full-year net income up 46% to $22.1M

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1675644/000167564426000002/0001675644-26-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1675644/000167564426000002/fvcb-20260120.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001675644-26-000002
- JSON: https://secwatch.observer/filing/0001675644-26-000002.json
- Plain text: https://secwatch.observer/filing/0001675644-26-000002.txt

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