{"schema_version":"secwatch.filing_event.v1","accession":"0001675644-26-000089","form_type":"8-K","ticker":"FVCB","cik":"0001675644","company_name":"FVCBankcorp, Inc.","filed_at":"2026-10-22T20:07:50+00:00","discovered_at":"2026-10-22T20:09:00.235022+00:00","generated_at":"2026-10-22T20:09:06.505538+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"FVCB Q3 net income rises 19% YoY to $6.6M, EPS $0.37; NIM 3.32%","bullets":["Q3 net income $6.6M, up 19% YoY from $5.6M; diluted EPS $0.37 vs $0.31 (+20%). Nine-month net income $21.2M (+29%) and EPS $1.17 (+30%).","Net interest margin 3.32%, up 41 bp YoY but down 21 bp from Q2's 3.53%; Q2 included $1.0M loan prepayment fees. Cost of funds fell to 2.42% from 2.78%.","Loans net of fees $1.91B, up 3% YoY and $14.6M QoQ; noninterest-bearing deposits $427.3M, up 14% YoY and 21% of total deposits. Watchlist loans fell 56% to $25.5M.","Net income fell 19% from Q2's $8.2M; noninterest income was $303K vs $1.0M a year ago, including a $403K loss on the Atlantic Coast Mortgage minority investment.","Board declared $0.07/share quarterly dividend payable Nov. 16, 2026 to holders of record Oct. 26; aggregate payout about $1.3M."],"urls":{"canonical":"https://secwatch.observer/filing/0001675644-26-000089","json":"https://secwatch.observer/filing/0001675644-26-000089.json","markdown":"https://secwatch.observer/filing/0001675644-26-000089.md","text":"https://secwatch.observer/filing/0001675644-26-000089.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1675644/000167564426000089/0001675644-26-000089-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1675644/000167564426000089/fvcb-20261022.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T20:09:06.505538+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"}