v3.26.1
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Jun. 30, 2026
Dec. 31, 2025
ASSETS    
Cash and due from banks $ 20,871 $ 26,873
Interest bearing deposits with banks 128,941 110,415
Total cash and cash equivalents 149,812 137,288
Interest-bearing time deposits 1,225 1,470
Securities available for sale, at fair value (amortized cost $424,888 and $432,167, respectively) 406,917 417,190
Securities held to maturity, at amortized cost (fair value $5,542 and $5,243, respectively) 7,000 7,000
Loans held for sale 1,326 1,464
Loans, net of allowance for credit losses of $10,714 ($10,108 in 2025) 668,124 654,100
Federal Home Loan Bank and other stock, at cost 1,836 1,836
Premises and equipment 14,980 14,357
Accrued interest receivable 5,057 5,100
Cash value of life insurance 9,101 8,993
Goodwill 6,472 6,472
Other assets 18,191 16,725
Total Assets 1,290,041 1,271,995
LIABILITIES    
Noninterest-bearing 218,727 220,053
Interest-bearing 918,004 902,937
Total deposits 1,136,731 1,122,990
Accrued interest payable 1,942 2,195
Accrued expenses and other liabilities 8,753 8,901
Total liabilities 1,147,426 1,134,086
EQUITY    
Preferred stock of $.01 par value per share Authorized 1,000,000 shares; none issued
Common stock of $.01 par value per share Authorized 7,500,000 shares; issued 3,814,543 shares (3,810,883 in 2025); outstanding 3,345,245 (3,341,871 in 2025) 38 38
Additional paid-in capital 42,015 41,823
Retained earnings-substantially restricted 124,653 117,635
Unearned stock compensation (335) (178)
Accumulated other comprehensive loss (13,970) (11,646)
Less treasury stock, at cost - 469,298 shares (469,012 in 2025) (9,891) (9,875)
Total First Capital, Inc. stockholders' equity 142,510 137,797
Noncontrolling interest in subsidiary 105 112
Total equity 142,615 137,909
Total Liabilities and Equity $ 1,290,041 $ 1,271,995