---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-24-005834"
form_type: "8-K"
ticker: "FCAP"
cik: "0001070296"
company_name: "FIRST CAPITAL INC"
filed_at: "2024-10-25T23:59:59+00:00"
generated_at: "2026-05-30T09:56:54.321126+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Capital Q3 net income falls to $2.9M ($0.87 EPS) from $3.1M year ago

## Summary
- Net income $2.9M ($0.87 diluted EPS) vs $3.1M ($0.94) in Q3 2023.
- Net interest margin improved to 3.12% from 3.02% YoY; provision for credit losses rose to $463K.
- Nonperforming assets surged to $4.5M from $1.8M at Dec 31, 2023, driven by two commercial loan relationships.
- Total assets $1.19B; deposits flat at $1.03B; borrowings under BTFP increased to $33.6M.

## SEC filing metadata
- accession: 0001171843-24-005834
- form_type: 8-K
- ticker: FCAP
- cik: 0001070296
- company_name: FIRST CAPITAL INC
- filed_at: 2024-10-25T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070296/000117184324005834/0001171843-24-005834-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070296/000117184324005834/f8k_102524.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-24-005834
- JSON: https://secwatch.observer/filing/0001171843-24-005834.json
- Plain text: https://secwatch.observer/filing/0001171843-24-005834.txt

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