Quarterly ResultMay 12, 2026, 04:38 PM

First Capital Q1 Net Income +33.8% to $4.33M; EPS $1.30

AI Summary

First Capital, Inc. reported a strong first quarter for 2026, with net income attributable to the company increasing by 33.8% to $4.33 million, and basic earnings per share rising to $1.30. The improvement was driven by a significant 19.2% increase in net interest income, supported by higher interest income and lower interest expense. The company also saw growth in its asset base and deposits, alongside an increase in dividends per share.

Key Highlights

Net income attributable to First Capital, Inc. increased by 33.8% to $4.33 million for Q1 2026, up from $3.24 million in Q1 2025.
Basic earnings per common share rose 34.0% to $1.30 in Q1 2026, compared to $0.97 in Q1 2025.
Net interest income increased 19.2% to $11.42 million for Q1 2026, up from $9.58 million in Q1 2025.
Total interest income grew 11.8% to $14.92 million, while total interest expense decreased 6.9% to $3.51 million.
Total assets reached $1.28 billion as of March 31, 2026, a slight increase from $1.27 billion at December 31, 2025.
Total deposits increased to $1.14 billion at March 31, 2026, from $1.12 billion at December 31, 2025.
Loans, net of allowance for credit losses, increased to $664.40 million from $654.10 million.
Dividends per share increased to $0.31 in Q1 2026 from $0.29 in Q1 2025.

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FIRST CAPITAL INC

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