---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-048657"
form_type: "8-K"
ticker: "FCAP"
cik: "0001070296"
company_name: "FIRST CAPITAL INC"
filed_at: "2026-04-24T23:59:59+00:00"
generated_at: "2026-05-15T04:09:52.006018+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Capital Q1 2026 net income $4.3M, EPS $1.30 vs $0.97 year ago

## Summary
- Net income $4.3M ($1.30 diluted EPS) vs $3.2M ($0.97) in Q1 2025, up 34%.
- Net interest margin expanded to 3.81% from 3.34% as interest income rose $1.6M.
- Nonperforming assets decreased to $4.0M from $4.4M at Dec 31, 2025.
- Deposits increased $13.6M to $1.14B; total assets $1.28B at March 31, 2026.

## SEC filing metadata
- accession: 0001104659-26-048657
- form_type: 8-K
- ticker: FCAP
- cik: 0001070296
- company_name: FIRST CAPITAL INC
- filed_at: 2026-04-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070296/000110465926048657/0001104659-26-048657-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070296/000110465926048657/fcap-20260424x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-048657
- JSON: https://secwatch.observer/filing/0001104659-26-048657.json
- Plain text: https://secwatch.observer/filing/0001104659-26-048657.txt

## Key facts
- Earnings Releases
  FIRST CAPITAL INC reported the quarter ended March 31, 2026 results: net income $4.3 million, EPS $1.30 per diluted share.
  - Period: the quarter ended March 31, 2026
  - Net income: $4.3 million
  - EPS: $1.30 per diluted share
  - Result: reported results
  source text: First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported net income of $4.3 million, or $1.30 per diluted share, for the quarter ended March 31, 2026, compared to net income of $3.2 million, or $0.97 per diluted share, for the quarter ended March 31, 2025.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1070296/000110465926048657/0001104659-26-048657-index.htm

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