{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-006268","form_type":"8-K","ticker":"FCAP","cik":"0001070296","company_name":"FIRST CAPITAL INC","filed_at":"2026-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.497327+00:00","generated_at":"2026-05-16T08:20:33.215506+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"First Capital reports record annual net income of $16.4M; EPS $4.89","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-006268","json":"https://secwatch.observer/filing/0001104659-26-006268.json","markdown":"https://secwatch.observer/filing/0001104659-26-006268.md","text":"https://secwatch.observer/filing/0001104659-26-006268.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070296/000110465926006268/0001104659-26-006268-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070296/000110465926006268/fcap-20260123x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:20:33.215506+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}