FIRST CAPITAL INC (FCAP) Form 8-K — Oct 23, 2026
First Capital, Inc. (NASDAQ: FCAP), holding company for First Harrison Bank, reported Q3 2026 net income of $5.1 million, or $1.53 per diluted share, up from $4.5 million, or $1.34, a year earlier. The improvement was driven by net interest income growth: the tax-equivalent net interest margin expanded to 4.08% from 3.71%, as earning-asset yields rose while funding costs declined. For the nine months, net income reached $14.2 million ($4.25 per diluted share) versus $11.5 million ($3.43) in 2025.
Key figures
- Eps
- 1.53
- Revenue
- 0
- Net Income
- 5107000
- Total Assets
- 1274835000
- Cash Position
- 139019000
- Deposits
- 1129397000
- Gross loans
- 685897000
- Q3 2025 eps
- 1.34
- Provision q3
- 355000
- Nine month eps
- 4.25
- Roa annualized q3
- 1.59% vs 1.45%
- Roe annualized q3
- 14.40% vs 14.29%
- Q3 2025 net income
- 4481000
- Nonperforming assets
- 5.5M vs 4.4M at YE2025
- Nine month net income
- 14205000
- Net interest margin q3
- 4.01% vs 3.64%
- Nine month 2025 net income
- 11497000
- Net interest margin tax equiv q3
- 4.08% vs 3.71%
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