---
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"
generated_at: "2026-05-31T15:59:28.052630+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# First Capital Q2 net income up to $0.85/share; nonperforming assets more than double

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-24-004182
- JSON: https://secwatch.observer/filing/0001171843-24-004182.json
- Plain text: https://secwatch.observer/filing/0001171843-24-004182.txt

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