secwatch.observer — SEC 8-K summary
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Issuer:     FVCBankcorp, Inc. (FVCB)
CIK:        0001675644
Form:       8-K
Filed at:   2026-07-21T20:12:28+00:00
Accession:  0001675644-26-000077
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1675644/000167564426000077/0001675644-26-000077-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1675644/000167564426000077/fvcb-20260721.htm
  HTML page:      https://secwatch.observer/filing/0001675644-26-000077

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