secwatch.observer — SEC 8-K summary
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Issuer:     FVCBankcorp, Inc. (FVCB)
CIK:        0001675644
Form:       8-K
Filed at:   2026-10-22T20:07:50+00:00
Accession:  0001675644-26-000089
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1675644/000167564426000089/0001675644-26-000089-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1675644/000167564426000089/fvcb-20261022.htm
  HTML page:      https://secwatch.observer/filing/0001675644-26-000089

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