8-K current report · filed Apr 24, 2026

FIRST CAPITAL INC (FCAP) 8-K Current Report: April 24, 2026

Item 2.02Item EX-99.1FCAP overview

Short answer

FIRST CAPITAL INC (FCAP) filed an 8-K current report with the SEC on April 24, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). April 24, 2026 press release covers fiscal-year 2026 results.

FIRST CAPITAL INC 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • April 24, 2026 press release covers fiscal-year 2026 results
  • Exhibit 99.1 contains the substantive financial results and management commentary

Item EX-99.1 · Exhibit EX-99.1

  • Q1 2026 net income rose to $4.3M, or $1.30 diluted EPS, from $3.2M and $0.97, signaling stronger profitability
  • Tax-equivalent net interest margin expanded to 3.81% from 3.34%, driven by higher asset yields and lower funding costs
  • Deposits increased $13.6M to $1.14B, supporting loan growth of $10.3M and total assets of $1.28B
  • Credit quality improved as nonperforming assets declined to $4.0M from $4.4M, despite slightly higher provision expense
  • $18.7M securities sale repositioned the portfolio for potentially higher future yields, but contributed to a $92,000 realized loss

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