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First Capital, Inc. reported solid mid‑year performance for the six months ended June 30, 2026. Total assets were $1.29 billion, up from $1.27 billion at December 31, 2025, driven mainly by loan growth and a larger securities portfolio. Net loans increased to $677.8 million in principal balance, while total deposits rose to $1.14 billion.
For the six-month period, net interest income was $23.5 million versus $20.0 million in 2025, and net income attributable to First Capital, Inc. was $9.1 million compared with $7.0 million, with diluted EPS of $2.72. The allowance for credit losses on loans increased to $10.7 million, and nonperforming loans were $4.9 million. Cash and cash equivalents ended at $149.8 million after positive operating and financing cash flows.
Vanguard Capital Management LLC filed an amended Schedule 13G reporting its beneficial ownership in First Capital Inc common stock. Vanguard reports beneficial ownership of 164,895 shares, representing 4.92% of the class as of June 30, 2026.
Vanguard has sole voting power over 22,037 shares and sole dispositive power over 164,895 shares, with no shared voting or dispositive power. The filing aggregates holdings across Vanguard Capital Management and specified affiliated entities and funds, while excluding other disaggregated Vanguard affiliates.
First Capital, Inc., holding company for First Harrison Bank, reported stronger profitability for the quarter ended June 30, 2026. Net income was $4.8 million, or $1.43 per diluted share, compared with $3.8 million, or $1.13 per diluted share, a year earlier. For the first six months of 2026, net income was $9.1 million, or $2.72 per diluted share, versus $7.0 million, or $2.09 per diluted share, in 2025.
Net interest income after provision for credit losses increased $1.6 million year over year for the quarter, driven by higher yields on interest-earning assets and a lower average cost of interest-bearing liabilities. On a tax-equivalent basis, the net interest margin rose to 3.98% from 3.59%. Noninterest income improved, helped by gains on equity securities, while noninterest expenses rose due to higher compensation, advertising and other operating costs. The provision for credit losses increased to $425,000, and nonperforming assets rose to $4.9 million from $4.4 million. Total assets were $1.29 billion and deposits $1.14 billion at June 30, 2026, and the Bank’s Community Bank Leverage Ratio was 11.34%.
First Capital, Inc. reported results of its Annual Meeting of Shareholders held on May 18, 2026. Shareholders elected five directors to three-year terms. William W. Harrod received 1,370,035 votes for and 245,699 against, with 17,275 abstentions and 853,346 broker non-votes; the other four nominees received similar majority support.
Shareholders also ratified the appointment of Crowe LLP as independent registered public accounting firm for the year ending December 31, 2026, with 2,452,864 votes for, 11,634 against and 21,857 abstentions. In addition, they approved a non-binding advisory vote on executive compensation, which received 1,470,396 votes for, 120,764 against, 41,849 abstentions and 853,346 broker non-votes.
First Capital, Inc. reported solid growth for the quarter ended March 31, 2026. Net income attributable to the company rose to $4.33 million from $3.24 million a year earlier, and basic and diluted earnings per share increased to $1.30 from $0.97. Total assets reached $1.28 billion, with loans, net of the allowance for credit losses, at $664.4 million and deposits at $1.14 billion. Net interest income improved to $11.42 million, while the provision for credit losses was $350,000. Credit quality remained controlled, with nonperforming loans at $4.03 million and an allowance for credit losses on loans of $10.35 million. However, higher unrealized losses on the securities portfolio drove an other comprehensive loss of $3.07 million, reducing comprehensive income to $1.26 million. The company had no outstanding borrowings and maintained access to Federal Home Loan Bank and Federal Reserve funding facilities.
Vanguard Capital Management reports beneficial ownership of 170,065 shares of First Capital Inc. The filing states Vanguard holds 170,065 shares, representing 5.08% of the class as of 03/31/2026. The report lists sole voting power 20,642 and sole dispositive power 170,065.
This Schedule 13G discloses passive institutional ownership by Vanguard and affiliated investment vehicles, with holdings held across funds and managed accounts as described in the filing.
First Capital, Inc. reported stronger quarterly results for the three months ended March 31, 2026. Net income attributable to the company rose to $4.33 million, or $1.30 per diluted share, up from $3.24 million, or $0.97 per diluted share a year earlier.
Net interest income after provision for credit losses increased to $11.07 million, helped by higher interest income and a wider tax-equivalent net interest margin of 3.81% versus 3.34%. The average yield on interest-earning assets improved while the average cost of interest-bearing liabilities declined.
Noninterest income grew to $2.05 million, supported by higher gains on equity securities, ATM and debit card fees, and loan sale gains, partly offset by a $92,000 loss on sale of $18.7 million of available-for-sale securities. Noninterest expenses rose to $7.75 million, driven by higher consulting, compensation, benefits and consumer fraud losses.
Total assets reached $1.28 billion at March 31, 2026, with deposits increasing to $1.14 billion. Nonperforming assets declined to $4.0 million. Return on average assets improved to 1.37% and return on average equity to 12.36%, while the Bank’s Community Bank Leverage Ratio stood at 11.13%.
First Capital, Inc. is asking shareholders to vote at its May 18, 2026 annual meeting on four items: electing five directors for three-year terms, ratifying Crowe LLP as auditor for 2026, approving an advisory "say-on-pay" for named executive officers, and other routine business.
Shareholders of record as of March 26, 2026, when 3,345,531 common shares were outstanding, are eligible to vote. The proxy details board independence, committee structures, director and executive pay, change-in-control protections, and a pay-versus-performance table showing 2025 net income of $16.4 million and cumulative TSR value of $251.41 on a $100 investment.
First Capital, Inc. provides a detailed look at its loan book, funding and capital as of December 31, 2025. Total gross loans were $663.1 million, with 82.25% in mortgage loans, led by commercial real estate at $207.1 million and 1‑4 family residential at $140.7 million.
The Allowance for Credit Losses on loans was $10.1 million, or 1.52% of total loans, with nonperforming loans of $4.4 million and ACL coverage of 232% of nonperformers. Net charge‑offs were low at 0.05% of average loans in 2025, helped by recoveries in consumer loans.
Total deposits reached $1.123 billion, heavily weighted to core transaction and savings accounts, and uninsured deposits were estimated at $263.8 million. Available‑for‑sale debt securities had a fair value of $417.2 million, primarily municipal and mortgage‑backed securities. The bank had no FHLB or FRB borrowings outstanding and reported a Community Bank Leverage Ratio of 11.01%, above the 9% “well capitalized” threshold under the CBLR framework.