---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-009618"
form_type: "8-K"
ticker: "FCAP"
cik: "0001070296"
company_name: "FIRST CAPITAL INC"
filed_at: "2025-07-25T23:59:59+00:00"
generated_at: "2026-05-18T00:48:24.989742+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Capital Q2 net income $3.8M ($1.13/sh) vs $2.8M ($0.85/sh) YoY

## Summary
- Net income $3.8M vs $2.8M in Q2 2024; diluted EPS $1.13 vs $0.85.
- Net interest margin (tax-equiv) improved to 3.59% from 3.15% YoY.
- Total assets $1.24B, up from $1.19B at Dec 2024; deposits grew $44.2M.
- Nonperforming assets fell to $4.0M from $4.5M; net charge-offs $113K in Q2.
- Provision for credit losses decreased to $306K from $360K; loan growth continued.

## SEC filing metadata
- accession: 0001558370-25-009618
- form_type: 8-K
- ticker: FCAP
- cik: 0001070296
- company_name: FIRST CAPITAL INC
- filed_at: 2025-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1070296/000155837025009618/0001558370-25-009618-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070296/000155837025009618/fcap-20250725x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-009618
- JSON: https://secwatch.observer/filing/0001558370-25-009618.json
- Plain text: https://secwatch.observer/filing/0001558370-25-009618.txt

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