First Capital reports record annual net income of $16.4M; EPS $4.89

FIRST CAPITAL INC

2025-FY EPS reported $4.89 revenue$7,170,000

Full-year net income $16.4M ($4.89 diluted EPS) vs $11.9M ($3.57) in 2024, a 38% increase.
Q4 2025 net income $4.9M ($1.46 diluted EPS) vs $3.3M ($0.97) in Q4 2024.
Net interest margin (tax-equivalent) expanded to 3.61% for FY2025 from 3.20% in FY2024.
Total assets grew to $1.27B at Dec 2025 from $1.19B a year earlier; deposits increased $56.6M to $1.12B.
Nonperforming assets remained low at $4.3M vs $4.4M year-over-year.

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