---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-002518"
form_type: "8-K"
ticker: "FCAP"
cik: "0001070296"
company_name: "FIRST CAPITAL INC"
filed_at: "2025-04-25T23:59:59+00:00"
generated_at: "2026-05-23T05:38:42.688278+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# First Capital Q1 net income $3.2M ($0.97/sh), up 6.7% YoY; NIM expands to 3.34%

## Summary
- Net income rose to $3.2M ($0.97 diluted EPS) from $3.0M ($0.88) YoY, up 6.7%.
- Net interest margin (tax-equivalent) reached 3.34%, up from 3.14%, driven by higher asset yield.
- Total assets $1.21B, deposits increased $17.5M to $1.08B; nonperforming assets fell to $4.1M.
- Provision for credit losses rose to $338K from $280K; net charge-offs $84K.
- Noninterest expenses up $424K, primarily compensation and snow removal costs.

## SEC filing metadata
- accession: 0001171843-25-002518
- form_type: 8-K
- ticker: FCAP
- cik: 0001070296
- company_name: FIRST CAPITAL INC
- filed_at: 2025-04-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1070296/000117184325002518/0001171843-25-002518-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070296/000117184325002518/f8k_042525.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-002518
- JSON: https://secwatch.observer/filing/0001171843-25-002518.json
- Plain text: https://secwatch.observer/filing/0001171843-25-002518.txt

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