---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-000406"
form_type: "8-K"
ticker: "FCAP"
cik: "0001070296"
company_name: "FIRST CAPITAL INC"
filed_at: "2025-01-24T23:59:59+00:00"
generated_at: "2026-05-27T10:17:40.509143+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Capital annual EPS falls to $3.57 from $3.82; Q4 EPS up to $0.97; NPAs surge to $4.5M

## Summary
- Net income of $11.9M ($3.57 diluted EPS) for 2024 vs $12.8M ($3.82) in 2023.
- Q4 net income of $3.3M ($0.97 diluted EPS) compared to $3.1M ($0.93) in Q4 2023.
- Nonperforming assets jumped to $4.5M from $1.8M, driven by $2.6M in two commercial loan relationships.
- Tax-equivalent net interest margin improved to 3.20% for 2024 vs 3.16% in 2023.
- Provision for credit losses increased to $1.4M from $1.1M; net charge-offs fell to $173K.

## SEC filing metadata
- accession: 0001171843-25-000406
- form_type: 8-K
- ticker: FCAP
- cik: 0001070296
- company_name: FIRST CAPITAL INC
- filed_at: 2025-01-24T23:59:59+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/1070296/000117184325000406/0001171843-25-000406-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070296/000117184325000406/f8k_012425.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-000406
- JSON: https://secwatch.observer/filing/0001171843-25-000406.json
- Plain text: https://secwatch.observer/filing/0001171843-25-000406.txt

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