---
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"
generated_at: "2026-10-22T20:09:06.505538+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# FVCB Q3 net income rises 19% YoY to $6.6M, EPS $0.37; NIM 3.32%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001675644-26-000089
- JSON: https://secwatch.observer/filing/0001675644-26-000089.json
- Plain text: https://secwatch.observer/filing/0001675644-26-000089.txt

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