First Capital, Inc. Reports Quarterly Earnings
First Capital reported Q3 2026 net income of $5.1 million, or $1.53 per diluted share, up from $4.5 million and $1.34 a year earlier. Net interest margin expanded to 4.08% from 3.71% on higher earning-asset yields and lower funding costs, while the provision for credit losses rose to $355,000 from $150,000.
Key figures
- Eps
- 1.53
- Revenue
- 16093000
- Deposits
- 1129397000
- Total assets
- $1.27 billion
- Q3 net income
- 5107000
- Nine month eps
- 4.25
- Q3 prior year eps
- 1.34
- Effective tax rate
- 19.4%
- Net interest income
- 12510000
- Net interest margin
- 4.08%
- Nonperforming assets
- 5500000
- Nine month net income
- 14205000
- Q3 prior year net income
- 4481000
- Return on average assets
- 1.59%
- Provision for credit losses
- 355000
- Prior year net interest margin
- 3.71%
AI analysis
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