v3.26.1
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
INTEREST INCOME        
Loans, including fees $ 10,813 $ 10,254 $ 21,255 $ 20,028
Taxable 2,866 1,979 5,579 3,813
Tax-exempt 713 665 1,416 1,314
Dividends 23 25 47 51
Interest bearing deposits with banks 1,207 1,117 2,249 2,180
Total interest income 15,622 14,040 30,546 27,386
INTEREST EXPENSE        
Deposits 3,535 3,628 7,041 7,393
Total interest expense 3,535 3,628 7,041 7,393
Net interest income 12,087 10,412 23,505 19,993
Provision for credit losses 425 306 775 644
Net interest income after provision for credit losses 11,662 10,106 22,730 19,349
NONINTEREST INCOME        
Noninterest income, financial services 1,863 1,781 3,585 3,458
Loss on sale of securities     (92) (55)
Unrealized gain (loss) on equity securities 92 (41) 270 (23)
Gain on sale of loans 151 152 284 241
Increase in cash surrender value of life insurance 51 49 108 121
Other income 97 123 196 218
Total noninterest income 2,205 2,018 4,253 3,866
NONINTEREST EXPENSE        
Compensation and benefits 4,505 4,270 8,842 8,372
Occupancy and equipment 576 549 1,210 1,172
Data processing 1,165 1,156 2,261 2,264
Professional fees 252 327 779 613
Advertising 204 120 276 194
Other expenses 1,151 1,072 2,238 2,060
Total noninterest expense 7,853 7,494 15,606 14,675
Income before income taxes 6,014 4,630 11,377 8,540
Income tax expense 1,249 852 2,279 1,524
Net Income 4,765 3,778 9,098 7,016
Less: net income attributable to noncontrolling interest in subsidiary 3 3 6 6
Net Income Attributable to First Capital, Inc. $ 4,762 $ 3,775 $ 9,092 $ 7,010
Earnings per common share attributable to First Capital, Inc.:        
Basic (in dollars per share) $ 1.43 $ 1.13 $ 2.73 $ 2.09
Diluted (in dollars per share) 1.43 1.13 2.72 2.09
Dividends per share $ 0.31 $ 0.29 $ 0.62 $ 0.58
Service charges on deposit accounts        
NONINTEREST INCOME        
Noninterest income, financial services $ 642 $ 588 $ 1,234 $ 1,181
ATM and debit card fees        
NONINTEREST INCOME        
Noninterest income, financial services $ 1,172 $ 1,147 $ 2,253 $ 2,183