---
schema_version: "secwatch.filing_event.v1"
accession: "0001675644-26-000006"
form_type: "8-K"
ticker: "FVCB"
cik: "0001675644"
company_name: "FVCBankcorp, Inc."
filed_at: "2026-02-12T23:59:59+00:00"
generated_at: "2026-05-16T03:03:29.702532+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# FVCBankcorp closes $25M senior notes at 6.75%, redeems $19M sub debt

## Summary
- Issued $25M 6.75% fixed-rate senior unsecured notes due March 2029; rated BBB (low) by Morningstar DBRS.
- Net proceeds for general corporate purposes, including supporting capital ratios at FVCbank.
- Offering oversubscribed; Piper Sandler & Co. served as sole placement agent.
- On Jan 15, 2026, redeemed $19M subordinated debt paying 3-month SOFR+471bps (8.59%).
- Notes rank pari passu with existing senior unsecured debt; not convertible; include customary covenants.

## SEC filing metadata
- accession: 0001675644-26-000006
- form_type: 8-K
- ticker: FVCB
- cik: 0001675644
- company_name: FVCBankcorp, Inc.
- filed_at: 2026-02-12T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 1.01, 2.03, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1675644/000167564426000006/0001675644-26-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1675644/000167564426000006/fvcb-20260211.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001675644-26-000006
- JSON: https://secwatch.observer/filing/0001675644-26-000006.json
- Plain text: https://secwatch.observer/filing/0001675644-26-000006.txt

## Source-grounded claims
- claim_id: c089c401571358dca231e0e608a0ffd609e22d5b
  claim: FVCBankcorp, Inc. incurred senior notes of $25.0 million at 6.75% maturing March 1, 2029.
  evidence_excerpt: On February 11, 2026, FVCBankcorp, Inc. (the “Company”) entered into a Senior Unsecured Note Purchase Agreement (the “Purchase Agreement”) with certain qualified institutional buyers and institutional accredited investors pursuant to which the Company sold and issued an aggregate of $25.0 million in aggregate principal amount of Fixed Rate Senior Unsecured Notes due March 1, 2029 (the “Notes”) in a private placement.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1675644/000167564426000006/0001675644-26-000006-index.htm
- claim_id: 3e52a6d65e24ceb35caad060c1797ca508ec8df3
  claim: FVCBankcorp, Inc. entered into Senior Unsecured Note Purchase Agreement with certain qualified institutional buyers and institutional accredited investors valued at $25.0 million aggregate principal amount of 6.75% Fixed Rate Senior Unsecured Notes due March 1, 202 (effective 2026-02-11).
  evidence_excerpt: On February 11, 2026, FVCBankcorp, Inc. (the “Company”) entered into a Senior Unsecured Note Purchase Agreement (the “Purchase Agreement”) with certain qualified institutional buyers and institutional accredited investors pursuant to which the Company sold and issued an aggregate of $25.0 million in aggregate principal amount of Fixed Rate Senior Unsecured Notes due March 1, 2029 (the “Notes”) in a private placement.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1675644/000167564426000006/0001675644-26-000006-index.htm

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