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AI brief of an SEC Form 8-K · FIRST CAPITAL INC (FCAP)

First Capital Q3 net income rises to $5.1 million, or $1.53 per diluted share

Positive Impact 3 of 5 earnings Written later

First Capital, Inc. (NASDAQ: FCAP) reported third-quarter 2026 net income of $5.1 million, or $1.53 per diluted share, up from $4.5 million, or $1.34, a year earlier. The tax-equivalent net interest margin rose to 4.08% from 3.71%, while the provision for credit losses increased to $355,000 from $150,000. For shareholders, quarterly and nine-month earnings per share both increased compared with 2025.

Key points

  • Q3 2026 net income was $5.1 million, or $1.53 per diluted share, versus $4.5 million, or $1.34, in Q3 2025.
  • Nine-month 2026 net income was $14.2 million, or $4.25 per diluted share, versus $11.5 million, or $3.43, a year earlier.
  • Tax-equivalent net interest margin was 4.08% for the quarter versus 3.71%; nonperforming assets rose to $5.5 million from $4.4 million at December 31, 2025.

The filing

CompanyFIRST CAPITAL INC (FCAP)
Form8-K, current report
Filed with the SECOct 23, 2026, 4:45 PM ET
Accession number0001104659-26-118501

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:29 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 23, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.