First Capital, Inc. filings document the public-company disclosures of an Indiana bank holding company for First Harrison Bank. Form 8-K reports cover quarterly and annual operating results, including net interest income, interest-earning assets, funding costs, net interest margin, allowance for credit losses, loan charge-offs, and other earnings drivers tied to the bank’s balance sheet.
The company’s SEC record also includes proxy materials for annual meeting governance, shareholder voting matters, director and officer disclosures, and independent auditor matters. Other event filings document capital actions such as common-stock repurchase plans structured under Rule 10b5-1 and Rule 10b-18, along with corporate identification, capital structure, and Nasdaq-listed common stock disclosures.
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.
The Vanguard Group filed an amended Schedule 13G disclosing its reporting position in First Capital Inc common stock. The filing states amount beneficially owned: 0 shares representing 0% of the class. It explains an internal realignment effective January 12, 2026 under SEC Release No. 34-39538 that caused certain Vanguard subsidiaries and business divisions to report separately.
The form lists the issuer address as 220 Federal Drive NW, Corydon, IN, and is signed by Ashley Grim, Head of Global Fund Administration, dated 03/26/2026.
FIRST CAPITAL INC reported that Chief Financial Officer Joshua Paul Stevens acquired 300 shares of common stock as a grant or award on February 27, 2026 at a price of $50.80 per share. Following this award, his directly held common stock ownership increased to 2,495 shares.
FREDERICK CHRIS reported acquisition or exercise transactions in this Form 4 filing.
First Capital Inc. chief executive officer Frederick Chris reported receiving a grant of 300 shares of common stock on February 27, 2026 at $50.80 per share. After this award, one directly held account shows 3,525 shares of common stock. He also reports additional indirect holdings through an IRA and an ESOP, and a separate direct holding account, with some shares noted as owned jointly with his spouse.
First Capital, Inc., the holding company for First Harrison Bank, has scheduled its annual meeting of stockholders for Monday, May 18, 2026. The company noted that additional information and financial data are available through the Investor Relations section of First Harrison Bank’s website.
The Vanguard Group reported a passive ownership stake in First Capital Inc common stock. Vanguard beneficially owns 188,307 shares, representing 5.62% of the outstanding common stock. It has shared voting power over 21,908 shares and shared dispositive power over all 188,307 shares, with no sole voting or dispositive power.
Vanguard states the shares are held in the ordinary course of business and not to change or influence control of First Capital Inc. The filing notes an internal realignment effective January 12, 2026, after which certain Vanguard subsidiaries or business divisions may report beneficial ownership separately while pursuing the same investment strategies.
First Capital, Inc. filed a current report to notify investors that it has released an update on its results of operations and financial condition. The company states that on January 23, 2026, it issued a press release, which is attached as Exhibit 99.1 and incorporated by reference. This press release is intended to provide more detailed financial and operating information than what appears in the brief filing itself.
The filing also notes that First Capital’s common stock, with a par value of $0.01 per share, trades on The NASDAQ Stock Market LLC under the symbol FCAP. The report is signed on behalf of the company by Joshua P. Stevens, Executive Vice President and Chief Financial Officer.
BlackRock, Inc. has filed a Schedule 13G reporting beneficial ownership of 172,421 shares of FIRST CAPITAL INC common stock, representing 5.2% of the class as of 12/31/2025. BlackRock reports sole voting power over 169,620 shares and sole dispositive power over 172,421 shares, with no shared voting or dispositive power.
The filing explains that these holdings reflect securities beneficially owned by certain BlackRock business units, and that various underlying persons have rights to dividends or sale proceeds, but no single person has more than five percent of the outstanding common shares. BlackRock certifies that the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of FIRST CAPITAL INC.
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.
First Capital, Inc. filed a Form 8-K to report that on October 24, 2025 it issued a press release regarding its results of operations and financial condition. The press release is furnished as Exhibit 99.1 and incorporated by reference, while the filing also includes the cover page interactive data file as Exhibit 104.