secwatch.observer — SEC 8-K summary
======================================

Issuer:     FIRST CAPITAL INC (FCAP)
CIK:        0001070296
Form:       8-K
Filed at:   2026-07-24T20:45:29+00:00
Accession:  0001104659-26-086673
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1070296/000110465926086673/0001104659-26-086673-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1070296/000110465926086673/fcap-20260724x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-086673

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