secwatch.observer — SEC 8-K summary
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Issuer:     FIRST CAPITAL INC (FCAP)
CIK:        0001070296
Form:       8-K
Filed at:   2026-01-23T23:59:59+00:00
Accession:  0001104659-26-006268
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1070296/000110465926006268/0001104659-26-006268-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1070296/000110465926006268/fcap-20260123x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-006268

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