secwatch.observer — SEC 8-K summary
======================================

Issuer:     FIRST CAPITAL INC (FCAP)
CIK:        0001070296
Form:       8-K
Filed at:   2025-10-24T23:59:59+00:00
Accession:  0001104659-25-102178
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1070296/000110465925102178/0001104659-25-102178-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1070296/000110465925102178/fcap-20251024x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-102178

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer