v3.26.1
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
INTEREST INCOME      
Loans, including fees $ 40,918 $ 38,272 $ 33,350
Taxable 8,608 6,830 5,577
Tax-exempt 2,716 2,630 3,346
Dividends 103 88 58
Interest bearing deposits with banks 4,502 2,651 1,274
Total interest income 56,847 50,471 43,605
INTEREST EXPENSE      
Deposits 14,697 13,227 8,241
Advances - FHLB   99 340
Borrowed funds - Bank Term Funding Program ("BTFP")   1,355 436
Total interest expense 14,697 14,681 9,017
Net interest income 42,150 35,790 34,588
Provision for credit losses 1,144 1,449 1,141
Net interest income after provision for credit losses 41,006 34,341 33,447
NONINTEREST INCOME      
Noninterest income, financial services 7,170 7,059 7,009
(Loss) gain on sale of securities (94) 32 40
Unrealized gain (loss) on equity securities 149 (374) (207)
Gain on sale of loans 792 554 421
Increase in cash surrender value of life insurance 222 224 206
Other income 406 351 340
Total noninterest income 8,465 7,656 7,632
NONINTEREST EXPENSE      
Compensation and benefits 16,809 15,538 15,002
Occupancy and equipment 2,391 1,919 1,762
Data processing 4,622 4,522 4,366
Professional fees 1,171 1,356 693
Advertising 482 357 329
Other expenses 4,087 4,136 3,876
Total noninterest expense 29,562 27,828 26,028
Income before income taxes 19,909 14,169 15,051
Income tax expense 3,529 2,216 2,248
Net Income 16,380 11,953 12,803
Less: net income attributable to noncontrolling interest in subsidiary 13 13 13
Net Income Attributable to First Capital, Inc. $ 16,367 $ 11,940 $ 12,790
Earnings per common share attributable to First Capital, Inc.:      
Basic (in dollars per share) $ 4.89 $ 3.57 $ 3.82
Diluted (in dollars per share) 4.89 3.57 3.82
Dividends per share $ 1.2 $ 1.12 $ 1.08
Service charges on deposit accounts      
NONINTEREST INCOME      
Noninterest income, financial services $ 2,450 $ 2,402 $ 2,343
ATM and debit card fees      
NONINTEREST INCOME      
Noninterest income, financial services $ 4,540 $ 4,467 $ 4,489