{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-24-004182","form_type":"8-K","ticker":"FCAP","cik":"0001070296","company_name":"FIRST CAPITAL INC","filed_at":"2024-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.089984+00:00","generated_at":"2026-05-31T15:59:28.052630+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"First Capital Q2 net income up to $0.85/share; nonperforming assets more than double","bullets":["Net income $2.8M ($0.85/diluted) vs $2.7M ($0.82) YoY; six-month net income $5.8M ($1.73) vs $6.5M ($1.95).","Nonperforming assets rose to $4.1M from $1.8M, driven by $2.0M nonaccrual commercial borrowing relationship.","Deposits fell $11M to $1.01B; BTFP borrowings increased to $33.6M from $21.5M.","Tax-equivalent net interest margin improved to 3.15% for Q2 from 3.06% YoY.","Provision for credit losses increased to $360k from $350k; net charge-offs declined to $30k from $158k."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-24-004182","json":"https://secwatch.observer/filing/0001171843-24-004182.json","markdown":"https://secwatch.observer/filing/0001171843-24-004182.md","text":"https://secwatch.observer/filing/0001171843-24-004182.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070296/000117184324004182/0001171843-24-004182-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070296/000117184324004182/f8k_072624.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:59:28.052630+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}