FIRST CAPITAL INC Q1 FY26 Results

Summary

First Capital, Inc. reported a net income of $4.3 million, or $1.30 per diluted share, for the quarter ended March 31, 2026, compared to $3.2 million, or $0.97 per diluted share, for the same quarter in 2025. Net interest income after provision for credit losses increased by $1.8 million. The increase in interest income was driven by a rise in the average tax-equivalent yield on interest-earning assets. Noninterest income also saw an increase of $200,000. Total assets reached $1.28 billion, and deposits increased to $1.14 billion.

Key Highlights

1. 1

   First Capital, Inc. reported net income of $4.3 million, or $1.30 per diluted share, for the quarter ended March 31, 2026.

2. 2

   Net interest income after provision for credit losses increased by $1.8 million for the quarter ended March 31, 2026, compared to the same period in 2025.

3. 3

   Interest income increased by $1.6 million due to an increase in the average tax-equivalent yield on interest-earning assets to 4.96% for Q1 2026.

4. 4

   Noninterest income increased by $200,000 for the quarter ended March 31, 2026, compared to the same period in 2025.

5. 5

   Total assets were $1.28 billion at March 31, 2026, compared to $1.27 billion at December 31, 2025.

6. 6

   Deposits increased $13.6 million from $1.12 billion at December 31, 2025, to $1.14 billion at March 31, 2026.