FVCBankcorp, Inc.
For the period ended Dec 31, 2025. Filed Mar 16, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 16, 2026
FVCB$16.32+0.2%Stored close · as of Nov 10, 2026
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Item 8. Consolidated statements of cash flows
Consolidated Statements of Cash Flows
| 2025 | 2024 | |
|---|---|---|
| Cash Flows From Operating Activities | ||
| Net income | $22,057 | $15,064 |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Depreciation | 212 | 280 |
| Provision for credit losses | 1,589 | 6 |
| Net amortization of premium of securities | 189 | 237 |
| Net accretion of deferred loan costs, fees, and other acquisition accounting adjustments | (487) | (1,384) |
| Gain on derivative termination | (91) | — |
| Income from minority membership interest | (1,247) | (376) |
| Amortization of subordinated debt issuance costs | 55 | 59 |
| Core deposits intangible amortization | 125 | 165 |
| Tax credits amortization | 126 | (150) |
| Equity-based compensation expense | 854 | 789 |
| BOLI income | (289) | (397) |
| Deferred income tax (benefit) expense | (29) | 1,308 |
| Changes in assets and liabilities: | ||
| Increase in accrued interest receivable, prepaid expenses and other assets | 1,352 | 2,510 |
| Increase (decrease) in accrued interest payable, accrued expenses and other liabilities | (558) | 121 |
| Net cash provided by operating activities | $23,859 | $18,232 |
| Cash Flows From Investing Activities | ||
| Decrease in interest-bearing deposits at other financial institutions | $(39,158) | $(30,309) |
| Purchases of available-for-sale securities | (2,941) | (1,884) |
| Proceeds from sales or maturity of securities available-for-sale | — | 1,000 |
| Proceeds from repayments, calls and maturities of securities available-for-sale | 16,143 | 14,466 |
| Net redemption of restricted stock | 2,740 | 1,302 |
| Net increase in loans | (71,393) | (41,127) |
| Proceeds from surrender of bank-owned life insurance | — | 47,774 |
| Purchases of premises and equipment, net | (47) | (141) |
| Net cash used in investing activities | $(94,656) | $(8,919) |
| Cash Flows From Financing Activities | ||
| Net increase in non-maturing deposits | $62,746 | $78,871 |
| Net increase (decrease) in time deposits | 63,926 | (53,558) |
| Redemption of subordinated debt, net | — | (984) |
| Net decrease in FHLB advances | (50,000) | (35,000) |
| Repurchase of shares to satisfy tax withholding for stock-based compensation | (53) | (179) |
| Repurchases of common stock | (6,677) | — |
| Cash dividends paid on common stock | (2,167) | — |
| Common stock issuance | 545 | 1,656 |
| Net cash provided by (used in) financing activities | $68,320 | $(9,194) |
| Net increase (decrease) in cash and cash equivalents | $(2,477) | $119 |
| Cash and cash equivalents, beginning of year | 8,161 | 8,042 |
| Cash and cash equivalents, end of period | $5,684 | $8,161 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.