---
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"
generated_at: "2026-07-21T20:13:08.596534+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FVCBankcorp reports record Q2 net income of $8.2M, up 45% YoY; EPS $0.45

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1675644/000167564426000077/0001675644-26-000077-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1675644/000167564426000077/fvcb-20260721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001675644-26-000077
- JSON: https://secwatch.observer/filing/0001675644-26-000077.json
- Plain text: https://secwatch.observer/filing/0001675644-26-000077.txt

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