v3.26.1
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
ASSETS    
Cash and due from banks $ 26,873 $ 18,418
Interest bearing deposits with banks 110,415 87,499
Total cash and cash equivalents 137,288 105,917
Interest-bearing time deposits 1,470 2,695
Securities available for sale, at fair value (amortized cost $432,167 and $418,935, respectively) 417,190 389,243
Securities held to maturity, at amortized cost (fair value $5,243 and $4,591, respectively) 7,000 7,000
Loans held for sale 1,464 472
Loans, net of allowance for credit losses of $10,108 ($9,281 in 2024) 654,100 631,199
Federal Home Loan Bank and other stock, at cost 1,836 1,836
Premises and equipment 14,357 14,179
Accrued interest receivable 5,100 4,575
Cash value of life insurance 8,993 9,329
Goodwill 6,472 6,472
Core deposit intangible 0 86
Other assets 16,725 14,520
Total Assets 1,271,995 1,187,523
LIABILITIES    
Noninterest-bearing 220,053 197,993
Interest-bearing 902,937 868,446
Total deposits 1,122,990 1,066,439
Accrued interest payable 2,195 1,922
Accrued expenses and other liabilities 8,901 4,451
Total liabilities 1,134,086 1,072,812
EQUITY    
Preferred stock of $.01 par value per share Authorized 1,000,000 shares; none issued 0 0
Common stock of $.01 par value per share Authorized 7,500,000 shares; issued 3,810,883 shares (3,806,983 in 2024); outstanding 3,341,871 (3,351,703 in 2024) 38 38
Additional paid-in capital 41,823 41,676
Retained earnings-substantially restricted 117,635 105,290
Unearned stock compensation (178) (135)
Accumulated other comprehensive loss (11,646) (22,990)
Less treasury stock, at cost - 469,012 shares (455,280 in 2024) (9,875) (9,280)
Total First Capital, Inc. stockholders' equity 137,797 114,599
Noncontrolling interest in subsidiary 112 112
Total equity 137,909 114,711
Total Liabilities and Equity $ 1,271,995 $ 1,187,523