First Capital, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2026, with the SEC on November 12, 2026, reporting nine-month net income attributable to the company of $14,196 thousand, up from $11,488 thousand in the same period of 2025.

Key Highlights

  • Third-quarter net income: Net income attributable to First Capital, Inc. was $5,104 thousand for the three months ended September 30, 2026, compared to $4,478 thousand in Q3 2025.
  • Nine-month earnings per share: Basic and diluted earnings per share attributable to First Capital, Inc. were $4.25 for the nine months ended September 30, 2026, versus $3.43 for the same period in 2025.
  • Net interest income growth: Net interest income was $36,015 thousand for the nine months ended September 30, 2026, compared to $30,949 thousand for the nine months ended September 30, 2025.
  • Total assets: Total assets were $1,274,835 thousand as of September 30, 2026, compared to $1,271,995 thousand as of December 31, 2025.
  • Allowance for credit losses: The allowance for credit losses on loans stood at $10,946 thousand as of September 30, 2026, up from $10,108 thousand at December 31, 2025.
  • Dividends per share: Dividends per share were $0.32 for the third quarter of 2026, compared to $0.31 in the third quarter of 2025.
  • Shares outstanding: 3,344,625 shares of common stock were outstanding as of November 2, 2026.

First Capital Reports Higher Net Interest Income and Earnings Through September 2026

According to the filing, First Capital, Inc. (NASDAQ:FCAP), based in Corydon, Indiana, reported net income attributable to the company of $5,104 thousand for the third quarter of 2026, an increase from $4,478 thousand in the third quarter of 2025. For the nine months ended September 30, 2026, net income attributable to First Capital, Inc. was $14,196 thousand, compared to $11,488 thousand for the corresponding period in 2025. The company disclosed total interest income of $46,639 thousand for the nine-month period, up from $42,044 thousand a year earlier, while total interest expense fell to $10,624 thousand from $11,095 thousand, resulting in net interest income of $36,015 thousand versus $30,949 thousand in the prior-year period.

The filing disclosed that the provision for credit losses was $1,130 thousand for the nine months ended September 30, 2026, compared to $794 thousand in the same period of 2025. Total noninterest income was $6,545 thousand for the nine-month period, up from $6,172 thousand, while total noninterest expense increased to $23,715 thousand from $22,239 thousand, primarily reflecting higher compensation and benefits costs of $13,520 thousand versus $12,465 thousand in the prior-year period.

As of September 30, 2026, the registrant reported total assets of $1,274,835 thousand and total deposits of $1,129,397 thousand. Loans, net of allowance for credit losses, were $674,951 thousand, up from $654,100 thousand at December 31, 2025. Total stockholders' equity attributable to First Capital, Inc. was $135,712 thousand at September 30, 2026, compared to $137,797 thousand at December 31, 2025. Accumulated other comprehensive loss widened to $(24,813) thousand from $(11,646) thousand, reflecting unrealized losses on securities available for sale of $(13,240) thousand, net of tax, for the nine-month period.

What Was Disclosed

First Capital, Inc. filed its unaudited quarterly report covering the period ended September 30, 2026, disclosing consolidated balance sheets, income statements, statements of comprehensive income, and changes in stockholders' equity, along with related notes and management's discussion.