---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-086673"
form_type: "8-K"
ticker: "FCAP"
cik: "0001070296"
company_name: "FIRST CAPITAL INC"
filed_at: "2026-07-24T20:45:29+00:00"
generated_at: "2026-07-24T20:46:05.792332+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Capital Q2 net income rises to $4.8M ($1.43/share) from $3.8M YoY

## Summary
- 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.

## SEC filing metadata
- accession: 0001104659-26-086673
- form_type: 8-K
- ticker: FCAP
- cik: 0001070296
- company_name: FIRST CAPITAL INC
- filed_at: 2026-07-24T20:45:29+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/1070296/000110465926086673/0001104659-26-086673-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070296/000110465926086673/fcap-20260724x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-086673
- JSON: https://secwatch.observer/filing/0001104659-26-086673.json
- Plain text: https://secwatch.observer/filing/0001104659-26-086673.txt

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