---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-21-005088"
form_type: "8-K"
ticker: "FCAP"
cik: "0001070296"
company_name: "FIRST CAPITAL INC"
filed_at: "2021-07-26T23:59:59+00:00"
generated_at: "2026-06-30T02:27:33.426594+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# First Capital Q2 2021 net income rises to $2.7M, EPS $0.82 vs $0.73 year ago

## Summary
- Net income $2.7M ($0.82 diluted EPS) for Q2 2021, up from $2.4M ($0.73) in Q2 2020.
- No provision for loan losses in Q2 2021 vs $825k in Q2 2020; net recoveries of $9k.
- Total assets grew $61.1M to $1.08B; deposits increased $61.1M to $961.6M.
- Net interest income after provision increased $699k; tax-equivalent spread narrowed to 2.71% from 3.34%.
- Nonperforming assets essentially flat at $3.3M vs $3.2M at Dec 31, 2020.

## SEC filing metadata
- accession: 0001171843-21-005088
- form_type: 8-K
- ticker: FCAP
- cik: 0001070296
- company_name: FIRST CAPITAL INC
- filed_at: 2021-07-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070296/000117184321005088/0001171843-21-005088-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070296/000117184321005088/f8k_072621.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-21-005088
- JSON: https://secwatch.observer/filing/0001171843-21-005088.json
- Plain text: https://secwatch.observer/filing/0001171843-21-005088.txt

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