---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-102178"
form_type: "8-K"
ticker: "FCAP"
cik: "0001070296"
company_name: "FIRST CAPITAL INC"
filed_at: "2025-10-24T23:59:59+00:00"
generated_at: "2026-05-17T02:18:07.788084+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# First Capital posts record Q3 net income $4.5M, EPS $1.34 vs $0.87 YoY

## Summary
- Net income $4.5M ($1.34 diluted EPS) for Q3 2025, up from $2.9M ($0.87) in Q3 2024.
- Net interest margin (tax-equivalent) expanded to 3.71% from 3.19% YoY.
- Nonperforming assets decreased to $3.9M from $4.4M at Dec 2024.
- Total assets grew to $1.24B from $1.19B at Dec 2024; deposits increased $28.3M.
- Nine-month net income $11.5M ($3.43 EPS) vs $8.7M ($2.59) prior year period.

## SEC filing metadata
- accession: 0001104659-25-102178
- form_type: 8-K
- ticker: FCAP
- cik: 0001070296
- company_name: FIRST CAPITAL INC
- filed_at: 2025-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070296/000110465925102178/0001104659-25-102178-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070296/000110465925102178/fcap-20251024x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-102178
- JSON: https://secwatch.observer/filing/0001104659-25-102178.json
- Plain text: https://secwatch.observer/filing/0001104659-25-102178.txt

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