{"schema_version":"secwatch.filing_event.v1","accession":"0001675644-26-000077","form_type":"8-K","ticker":"FVCB","cik":"0001675644","company_name":"FVCBankcorp, Inc.","filed_at":"2026-07-21T20:12:28+00:00","discovered_at":"2026-07-21T20:13:00.294288+00:00","generated_at":"2026-07-21T20:13:08.596534+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 reports record Q2 net income of $8.2M, up 45% YoY; EPS $0.45","bullets":["Net income $8.2M vs $5.7M YoY (+45%); diluted EPS $0.45 vs $0.31 YoY.","Net interest margin 3.53%, up 63 bps YoY; cost of deposits down to 2.40%.","Core operating earnings (non-GAAP) $7.6M, up 36% YoY; efficiency ratio 49.71%.","Quarterly dividend of $0.07 declared, payable Aug 17 to holders of record Jul 27.","Nonperforming loans decreased to $11.4M from $12.2M; net recoveries of $2K."],"urls":{"canonical":"https://secwatch.observer/filing/0001675644-26-000077","json":"https://secwatch.observer/filing/0001675644-26-000077.json","markdown":"https://secwatch.observer/filing/0001675644-26-000077.md","text":"https://secwatch.observer/filing/0001675644-26-000077.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1675644/000167564426000077/0001675644-26-000077-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1675644/000167564426000077/fvcb-20260721.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-21T20:13:08.596534+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"}