secwatch.observer — SEC 8-K summary
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Issuer:     FIRST CAPITAL INC (FCAP)
CIK:        0001070296
Form:       8-K
Filed at:   2025-07-25T23:59:59+00:00
Accession:  0001558370-25-009618
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1070296/000155837025009618/0001558370-25-009618-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1070296/000155837025009618/fcap-20250725x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-25-009618

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer