Welcome to our dedicated page for First Cap SEC filings (Ticker: FCAP), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Community bank financials tell a straightforward story once you know where to look. First Capital Inc. (FCAP) files standard banking disclosures that reveal how its subsidiary, First Harrison Bank, generates income from loans, manages credit risk, and allocates capital between growth and shareholder returns.
For a regional bank of this size, the key filings to watch include:
- 10-K annual reports detailing loan portfolio composition, deposit trends, and net interest margin performance across fiscal years
- 10-Q quarterly filings showing seasonal patterns in lending activity and interim financial results
- 8-K material events announcing dividend declarations, stock repurchase authorizations, and other significant corporate actions
- Form 4 insider transactions tracking when directors and officers buy or sell company shares
- DEF 14A proxy statements disclosing executive compensation and board governance practices
Our AI-powered summaries translate banking terminology into clear explanations. Rather than parsing footnotes about allowance for loan losses or regulatory capital ratios yourself, get instant insights into what drives First Capital's profitability and risk profile.
Insider trading activity at small-cap banks often signals management confidence. Track Form 4 filings to see when First Capital executives add to their personal holdings following board meetings or earnings releases. Combined with dividend announcement patterns in 8-K filings, this data helps paint a picture of capital allocation philosophy.
Access First Capital Inc. SEC filings with explanations designed for investors who want substance without spending hours decoding regulatory documents.
First Capital, Inc. reported stronger Q3 results. Net income attributable to the company was $4,478 thousand with EPS $1.34, up from $0.87 a year ago. Net interest income rose to $10,956 thousand as interest income reached $14,658 thousand while interest expense was $3,702 thousand. Provision for credit losses was $150 thousand. Noninterest income was $2,306 thousand and noninterest expense totaled $7,564 thousand. Dividends per share were $0.31.
For the nine months, net income attributable to the company was $11,488 thousand (EPS $3.43). At September 30, 2025, total assets were $1,235,477 thousand, deposits were $1,094,733 thousand, and loans, net, were $642,332 thousand. Securities available for sale had a fair value of $421,627 thousand, and accumulated other comprehensive loss improved to $(13,669) thousand. Shares outstanding were 3,347,627 as of October 31, 2025.
Kathy Ernstberger, a director of First Capital Inc (FCAP), reported two insider purchases on Form 4. On 03/11/2025 she acquired 75 shares at $37.9, bringing her beneficial ownership to 2,526.79 shares (direct). On 08/29/2025 she acquired 971.93 shares at $41.1, increasing her direct holdings to 3,498.72 shares. The form was filed by one reporting person and signed by an attorney-in-fact on 09/03/2025.
Joshua P. Stevens, who is listed as Chief Financial Officer and a director of First Capital Inc (FCAP), reported an amended Form 4 showing he purchased 200 shares of First Capital common stock on 08/15/2025 at a price of $37.50 per share. After the transaction he beneficially owned 2,195 shares on a direct basis. The filing is an amendment dated 08/18/2025 and is signed by Mr. Stevens. No derivative transactions or additional explanations are disclosed in the form.
Chris Frederick, who serves as Chief Executive Officer and a director of First Capital Inc (FCAP), reported a purchase of common stock on 08/15/2025. The filing shows a purchase of 200 shares at a price of $38.25 per share. The report lists direct beneficial ownership positions of 1,200 shares (noted as jointly owned with spouse) and an additional 3,225 shares held directly. It also discloses 1,442 shares held indirectly via an IRA and 3,670 shares held indirectly via an ESOP, as stated in the form.
The document is an amended Form 4 reporting insider changes in beneficial ownership and provides explicit ownership breakdowns by form and the nature of indirect holdings. No earnings, contract terms, or other corporate actions are disclosed in this filing.
Insider purchase reported: Joshua P. Stevens, identified as Chief Financial Officer and a director of First Capital Inc (FCAP), acquired 200 shares of common stock at $37.50 per share. After the transaction, he directly beneficially owned 2,195 shares. The filing shows the acquisition was executed under transaction code A and reports direct ownership only.
Michael C. Frederick, Director and Chief Executive Officer of First Capital Inc (FCAP), purchased shares on 08/15/2025. The Form 4 reports an acquisition of 200 shares of common stock at a price of $38.25 per share. The filing lists beneficial ownership following the reported transactions as: 1,200 shares direct (noted as joint ownership with spouse), 3,225 shares direct, 1,442 shares indirect (by IRA), and 3,670 shares indirect (by ESOP). The form is signed by Michael C. Frederick on 08/18/2025. The document is a standard Section 16 Form 4 disclosing an insider purchase; no derivative transactions or other changes are reported.
First Capital Inc. (FCAP) reported interim disclosures covering the six months ended June 30, 2025. The company adopted new Income Taxes disclosure requirements but said the ASU is not expected to have a material impact. Shares outstanding were 3,355,118 as of July 20, 2025. Management identified unrealized losses in debt securities driven by interest-rate movements; certain corporate notes classified as held-to-maturity had depreciated approximately 25.1% from amortized cost. The company stated no credit loss provision was required for the period and no borrower modifications were made in 2025. An equity investment of 90,000 shares (≈5% ownership) cost $1.9 million and had a fair value of $864,000 at June 30, 2025. Unfunded commitments include limited partnership, qualified affordable housing, and solar energy tax credit investments, with expected capital calls through 2026–2029. The company had no outstanding borrowings at period end, noted prior BTFP borrowings were repaid, and had a $28.1 million FHLB borrowing capacity based on pledged collateral.
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