---
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"
generated_at: "2026-05-16T08:20:33.215506+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-006268
- JSON: https://secwatch.observer/filing/0001104659-26-006268.json
- Plain text: https://secwatch.observer/filing/0001104659-26-006268.txt

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