earnings
confidence high
sentiment positive
materiality 0.65
First Capital Q2 net income rises to $4.8M ($1.43/share) from $3.8M YoY
FIRST CAPITAL INC
- Net income $4.8M ($1.43 diluted EPS) vs $3.8M ($1.13) in Q2 2025, up 26%.
- Net interest margin (tax-equivalent) expanded to 3.98% from 3.59% YoY.
- Provision for credit losses increased to $425K from $306K; net charge-offs $58K.
- Noninterest income up $187K driven by $92K gain on equity securities.
- Total assets $1.29B at June 30, 2026 vs $1.27B at Dec 31, 2025; deposits up $13.7M.