Form 8-K

8-K — FIRST CAPITAL INC

Accession: 0001104659-26-118501

Filed: 2026-10-23

Period: 2026-10-23

CIK: 0001070296

SIC: 6035 (SAVINGS INSTITUTION, FEDERALLY CHARTERED)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — fcap-20261023x8k.htm (Primary)

EX-99.1 (fcap-ex99d1.htm)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: fcap-20261023x8k.htm · Sequence: 1

FIRST CAPITAL, INC._October 23, 2026

0001070296false00010702962026-10-232026-10-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 23, 2026

FIRST CAPITAL, INC.

(Exact name of registrant as specified in its charter)

Indiana

0-25023

35-2056949

(State or Other Jurisdiction of Incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

220 Federal Drive N.W.

Corydon, Indiana 47112

(Address of Principal Executive Offices) (Zip Code)

(812) 738-2198

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, par value $0.01 per share

FCAP

The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On October 23, 2026, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference, announcing its results of operations and financial condition for the three and nine months ended September 30, 2026.

Item 9.01. Financial Statements and Exhibits.

Exhibit 99.1

Press Release dated October 23, 2026

Exhibit 104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FIRST CAPITAL, INC.

Date: October 23, 2026

By:

/s/ Joshua P. Stevens

Joshua P. Stevens

Executive Vice President and Chief Financial Officer

EX-99.1

Filename: fcap-ex99d1.htm · Sequence: 2

Exhibit 99.1

FIRST CAPITAL, INC. REPORTS QUARTERLY EARNINGS

Corydon, Indiana — (BUSINESS WIRE) — October 23, 2026. First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported net income of $5.1 million, or $1.53 per diluted share, for the quarter ended September 30, 2026, compared to net income of $4.5 million, or $1.34 per diluted share, for the quarter ended September 30, 2025.

Results of Operations for the Three Months Ended September 30, 2026 and 2025

Net interest income after provision for credit losses increased $1.3 million for the quarter ended September 30, 2026 compared to the same period in 2025. Interest income increased $1.4 million when comparing the two periods due to an increase in the average tax-equivalent yield(1) on interest-earning assets from 4.94% for the third quarter of 2025 to 5.23% for the same period in 2026, in addition to an increase in the average balance of interest-earning assets from $1.20 billion for the third quarter of 2025 to $1.25 billion for the same period in 2026. Interest expense decreased $119,000 when comparing the periods as the average cost of interest-bearing liabilities decreased from 1.66% for the quarter ended September 30, 2025 to 1.57% for the same period in 2026 while the average balance of interest-bearing liabilities increased from $891.3 million for the quarter ended September 30, 2025 to $911.5 million for the same period in 2026. As a result of the changes in interest-earning assets and interest-bearing liabilities, the tax-equivalent net interest margin(1) increased from 3.71% for the quarter ended September 30, 2025 to 4.08% for the same period in 2026. Refer to the accompanying average balance sheet for more information regarding changes in the composition of the Company’s balance sheet and resulting yields and costs from the quarter ended September 30, 2025 to the quarter ended September 30, 2026.

Based on management’s analysis of the Allowance for Credit Losses (“ACL”) on loans and unfunded loan commitments, the provision for credit losses increased from $150,000 for the quarter ended September 30, 2025 to $355,000 for the quarter ended September 30, 2026. The Bank recognized net charge-offs of $123,000 and $17,000 for the quarters ended September 30, 2026 and 2025, respectively.

Noninterest income decreased $14,000 for the quarter ended September 30, 2026 as compared to the quarter ended September 30, 2025. The decrease is primarily due to the Company recognizing a $9,000 loss on equity securities during the quarter ended September 30, 2026 compared to a gain of $150,000 during the same period in 2025. That decrease was partially offset by the Company recognizing increases of $92,000 and $57,000 in other income and service charges on deposit accounts, respectively, when comparing the two periods. The increase in other income was primarily due to the Company recognizing $48,000 and $45,000 in income from its technology investment fund and its renewable energy tax credit investment, respectively, during the quarter.

Noninterest expenses increased $545,000 for the quarter ended September 30, 2026 as compared to the same period in 2025. This was primarily due to increases in compensation and benefits and other expenses of $585,000 and $75,000, respectively, when comparing the two periods. The increase in compensation and benefits is due to increases in salary and wages associated with annual cost of living and performance related adjustments as well as increases in the cost of Company-provided health insurance benefits. The increase in other expenses was primarily due to general inflationary pressures and routine pricing increases rather than any specific item. These increases were partially offset by a $148,000 decrease in occupancy and equipment expenses when comparing the two periods. Occupancy and equipment expenses were elevated during the third quarter of 2025 due to disposal losses associated with two of the Bank’s branches, the upgrade of the Company’s call center system, and the demolition of one of the Bank’s branches. None of these were present during the third quarter of 2026.

Income tax expense increased $164,000 for the quarter ended September 30, 2026 as compared to the same period in 2025 resulting in an effective tax rate of 19.4% for the quarter ended September 30, 2026, compared to 19.2% for the same period in 2025.

Results of Operations for the Nine Months Ended September 30, 2026 and 2025

For the nine months ended September 30, 2026, the Company reported net income of $14.2 million, or $4.25 per diluted share, compared to net income of $11.5 million, or $3.43 per diluted share, for the same period in 2025.

Net interest income after provision for credit losses increased $4.7 million for the nine months ended September 30, 2026 compared to the same period in 2025. Interest income increased $4.6 million when comparing the two periods due to an increase in the average tax-equivalent yield(1) on interest-earning assets from 4.80% for the nine months ended September 30, 2025 to 5.10% for the same period in 2026, in addition to an increase in the average balance of interest-earning assets from $1.19 billion for the nine months ended September 30, 2025 to $1.24 billion for the same period in 2026. Interest expense decreased $471,000 when comparing the periods as the average cost of interest-bearing liabilities decreased from 1.67% for the nine months ended September 30, 2025 to 1.56% for the same period in 2026 while the average balance of interest-bearing liabilities increased from $886.0 million for the nine months ended September 30, 2025 to $906.8 million for the same period in 2026. As a result of the changes in interest-earning assets and interest-bearing liabilities, the tax-equivalent net interest margin(1) increased from 3.55% for the nine months ended September 30, 2025 to 3.96% for the same period in 2026. Refer to the accompanying average balance sheet for more information regarding changes in the composition of the Company’s balance sheet and resulting yields and costs from the nine months ended September 30, 2025 to the nine months ended September 30, 2026.

(1) Reconciliations of the non–U.S. Generally Accepted Accounting Principles (“GAAP”) measures are set forth at the end of this press release.

Based on management’s analysis of the ACL on loans and unfunded loan commitments, the provision for credit losses increased from $794,000 for the nine months ended September 30, 2025 to $1.1 million for the nine months ended September 30, 2026. The Bank recognized net charge-offs of $292,000 and $214,000 for the nine months ended September 30, 2026 and 2025, respectively.

Noninterest income increased $373,000 for the nine months ended September 30, 2026 as compared to the nine months ended September 30, 2025. The increase is primarily due to the Company recognizing a $261,000 gain on equity securities during the nine months ended September 30, 2026 compared to a gain of $127,000 during the same period in 2025. In addition, the Company recognized increases of $110,000, $70,000 and $50,000 in service charges on deposit accounts, other income and ATM and debit card fee income, respectively, when comparing the two periods. The increase in other income was primarily due to the Company recognizing a $47,000 increase in income from its renewable energy tax credit investment during the nine months ended September 30, 2026, in addition to $48,000 of income from its technology investment fund during the nine months ended September 30, 2026 that the Company did not receive during the same period in 2025. These were partially offset by the Company recognizing a $47,000 gain on the redemption of a bank-owned life insurance policy during the nine months ended September 30, 2025, and no such redemption occurred during the same period in 2026.

Noninterest expenses increased $1.5 million for the nine months ended September 30, 2026 as compared to the same period in 2025. This was primarily due to increases in compensation and benefits, other expenses, professional services, and advertising expenses of $1.1 million, $253,000, $132,000 and $92,000, respectively, when comparing the two periods. The increase in compensation and benefits is due to increases in salary and wages associated with annual cost of living and performance related adjustments as well as increases in the cost of Company-provided health insurance benefits. The increase in other expenses is primarily due to a $70,000 increase in consumer fraud losses and general inflationary pressures and routine pricing increases during the nine months ended September 30, 2026 as compared to the same period in 2025. The increase in professional services is due to increased consulting fees. The increase in advertising expenses is related to various new marketing campaigns undertaken during the nine months ended September 30, 2026 as compared to the same period in 2025. These increases were partially offset by a decrease in occupancy and equipment expenses of $110,000 due to a reduction in building maintenance expenses.

Income tax expense increased $919,000 for the nine months ended September 30, 2026 as compared to the same period in 2025 resulting in an effective tax rate of 19.8% for the nine months ended September 30, 2026, compared to 18.4% for the same period in 2025. The increase in the Company’s effective tax rate for the nine months ended September 30, 2026 reflects a higher proportion of net income being subject to taxation compared to the same period last year.

Comparison of Financial Condition at September 30, 2026 and December 31, 2025

Total assets were $1.27 billion at September 30, 2026 and December 31, 2025. Net loans receivable and other assets increased $20.9 million and $2.2 million, respectively, from December 31, 2025 to September 30, 2026. These increases were partially offset by a decrease of $22.5 million in available for sale securities when comparing the two periods. Deposits increased $6.4 million from $1.12 billion at December 31, 2025 to $1.13 billion at September 30, 2026. Nonperforming assets (consisting of nonaccrual loans, accruing loans 90 days or more past due, and foreclosed real estate) increased from $4.4 million at December 31, 2025 to $5.5 million at September 30, 2026. The increase was primarily due to the nonaccrual classification of a non-owner occupied commercial real estate loan.

The Bank currently has 17 offices in the Indiana communities of Corydon, Edwardsville, Greenville, Floyds Knobs, Palmyra, New Albany, New Salisbury, Jeffersonville, Salem, Lanesville and Charlestown and the Kentucky communities of Shepherdsville, Mt. Washington and Lebanon Junction.

Access to First Harrison Bank accounts, including online banking and electronic bill payments, is available through the Bank’s website at www.firstharrison.com. For more information and financial data about the Company, please visit Investor Relations at the Bank’s aforementioned website. The Bank can also be followed on Facebook.

Cautionary Note Regarding Forward-Looking Statements

This press release may contain certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the use of the words “anticipate,” “believe,” “expect,” “intend,” “could” and “should,” and other words of similar meaning. Forward-looking statements are not historical facts nor guarantees of future performance; rather, they are statements based on the Company’s current beliefs, assumptions, and expectations regarding its business strategies and their intended results and its future performance.

Numerous risks and uncertainties could cause or contribute to the Company’s actual results, performance and achievements to be materially different from those expressed or implied by these forward-looking statements. Factors that may cause or contribute to these differences include, without limitation, general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal government; competition; the ability of the Company to execute its business plan; legislative and regulatory changes; the quality and composition of the loan and investment portfolios; loan demand; deposit flows; changes in accounting principles and guidelines; and other factors disclosed periodically in the Company’s filings with the Securities and Exchange Commission.

Because of the risks and uncertainties inherent in forward-looking statements, readers are cautioned not to place undue reliance on them, whether included in this press release, the Company’s reports, or made elsewhere from time to time by the Company or on its behalf. These forward-looking statements are made only as of the date of this press release, and the Company assumes no obligation to update any forward-looking statements after the date of this press release.

Contact:

Joshua P. Stevens

Chief Financial Officer

812-738-1570

FIRST CAPITAL, INC. AND SUBSIDIARIES

Consolidated Financial Highlights (Unaudited)

Three Months Ended

Nine Months Ended

September 30,

OPERATING DATA

2026

2025

2026

2025

(Dollars in thousands, except per share data)

Total interest income

16,093

14,658

46,639

42,044

Total interest expense

3,583

3,702

10,624

11,095

Net interest income

12,510

10,956

36,015

30,949

Provision for credit losses

355

150

1,130

794

Net interest income after provision for credit losses

12,155

10,806

34,885

30,155

Total non-interest income

2,292

2,306

6,545

6,172

Total non-interest expense

8,109

7,564

23,715

22,239

Income before income taxes

6,338

5,548

17,715

14,088

Income tax expense

1,231

1,067

3,510

2,591

Net income

5,107

4,481

14,205

11,497

Less net income attributable to the noncontrolling interest

Net income attributable to First Capital, Inc.

5,104

4,478

14,196

11,488

Net income per share attributable to

First Capital, Inc. common shareholders:

Basic

1.53

1.34

4.25

3.43

Diluted

1.53

1.34

4.25

3.43

Weighted average common shares outstanding:

Basic

3,337,650

3,348,618

3,336,644

3,347,380

Diluted

3,340,438

3,350,008

3,339,574

3,349,321

OTHER FINANCIAL DATA

Cash dividends per share

0.32

0.31

0.94

0.89

Return on average assets (annualized)

1.59%

1.45%

1.48%

1.26%

Return on average equity (annualized)

14.40%

14.29%

13.45%

12.70%

Net interest margin

4.01%

3.64%

3.89%

3.48%

Net interest margin (tax-equivalent basis) (1)

4.08%

3.71%

3.96%

3.55%

Interest rate spread

3.59%

3.21%

3.47%

3.06%

Interest rate spread (tax-equivalent basis) (1)

3.66%

3.28%

3.54%

3.13%

Net overhead expense as a percentage of average assets (annualized)

2.52%

2.44%

2.47%

2.44%

September 30,

December 31,

BALANCE SHEET INFORMATION

2026

2025

Cash and cash equivalents

139,019

137,288

Interest-bearing time deposits

1,225

1,470

Investment securities

401,694

424,190

Gross loans

685,897

664,208

Allowance for credit losses

10,946

10,108

Earning assets

1,196,895

1,193,475

Total assets

1,274,835

1,271,995

Deposits

1,129,397

1,122,990

Stockholders' equity, net of noncontrolling interest

135,712

137,797

Allowance for credit losses as a percentage of gross loans

1.60%

1.52%

Non-performing assets:

Nonaccrual loans

5,434

4,268

Accruing loans past due 90 days

Foreclosed real estate

—

Regulatory capital ratios (Bank only):

Community Bank Leverage Ratio (2)

11.47%

11.01%

(1) See reconciliation of GAAP and non-GAAP financial measures for additional information relating to the calculation of this item.

(2) Effective March 31, 2020, the Bank opted in to the Community Bank Leverage Ratio (CBLR) framework. As such, the other regulatory ratios are no longer provided.

FIRST CAPITAL, INC. AND SUBSIDIARIES

Consolidated Average Balance Sheets (Unaudited)

For the Three Months ended September 30,

2026

2025

Average

Yield/

Average

Yield/

Balance

Interest

Cost

Balance

Interest

Cost

(Dollars in thousands)

Interest earning assets:

Loans (1) (2):

Taxable

667,206

10,888

6.53%

640,178

10,323

6.45%

Tax-exempt (3)

13,570

201

5.92%

10,328

109

4.22%

Total loans

680,776

11,089

6.52%

650,506

10,432

6.41%

Investment securities:

Taxable (4)

320,001

3,119

3.90%

318,628

2,282

2.86%

Tax-exempt (3)

119,596

918

3.07%

118,840

866

2.91%

Total investment securities

439,597

4,037

3.67%

437,468

3,148

2.88%

Interest bearing deposits with banks (5)

128,032

1,202

3.76%

115,623

1,283

4.44%

Total interest earning assets

1,248,405

16,328

5.23%

1,203,597

14,863

4.94%

Non-interest earning assets

37,841

33,930

Total assets

1,286,246

1,237,527

Interest bearing liabilities:

Interest-bearing demand deposits

447,010

1,231

1.10%

437,040

1,318

1.21%

Savings accounts

221,400

100

0.18%

227,997

154

0.27%

Time deposits

243,061

2,252

3.71%

226,309

2,230

3.94%

Total deposits

911,471

3,583

1.57%

891,346

3,702

1.66%

Total interest bearing liabilities

911,471

3,583

1.57%

891,346

3,702

1.66%

Non-interest bearing liabilities

Non-interest bearing deposits

221,376

211,573

Other liabilities

11,599

9,236

Total liabilities

1,144,446

1,112,155

Stockholders' equity (6)

141,800

125,372

Total liabilities and stockholders' equity

1,286,246

1,237,527

Net interest income (tax-equivalent basis)

12,745

11,161

Less: tax equivalent adjustment

(235)

(205)

Net interest income

12,510

10,956

Interest rate spread

3.59%

3.21%

Interest rate spread (tax-equivalent basis) (7)

3.66%

3.28%

Net interest margin

4.01%

3.64%

Net interest margin (tax-equivalent basis) (7)

4.08%

3.71%

Ratio of average interest earning assets to average interest bearing liabilities

136.97%

135.03%

(1) Interest income on loans includes fee income of $249,000 and $202,000 for the three months ended September 30, 2026 and 2025, respectively.

(2) Average loan balances include loans held for sale and nonperforming loans.

(3) Tax-exempt income has been adjusted to a tax-equivalent basis using the federal marginal tax rate of 21%.

(4) Includes taxable debt and equity securities and FHLB Stock.

(5) Includes interest-bearing deposits with banks and interest-bearing time deposits.

(6) Stockholders' equity attributable to First Capital, Inc.

(7) Reconciliations of the non–U.S. GAAP measures are set forth at the end of this press release.

FIRST CAPITAL, INC. AND SUBSIDIARIES

Consolidated Average Balance Sheets (Unaudited)

For the Nine Months ended September 30,

2026

2025

Average

Yield/

Average

Yield/

Balance

Interest

Cost

Balance

Interest

Cost

(Dollars in thousands)

Interest earning assets:

Loans (1) (2):

Taxable

662,999

31,918

6.42%

638,950

30,172

6.30%

Tax-exempt (3)

12,209

486

5.31%

10,632

337

4.23%

Total loans

675,208

32,404

6.40%

649,582

30,509

6.26%

Investment securities:

Taxable (4)

316,818

8,745

3.68%

312,409

6,146

2.62%

Tax-exempt (3)

119,262

2,710

3.03%

118,714

2,529

2.84%

Total investment securities

436,080

11,455

3.50%

431,123

8,675

2.68%

Interest bearing deposits with banks (5)

124,446

3,451

3.70%

104,396

3,462

4.42%

Total interest earning assets

1,235,734

47,310

5.10%

1,185,101

42,646

4.80%

Non-interest earning assets

41,886

32,472

Total assets

1,277,620

1,217,573

Interest bearing liabilities:

Interest-bearing demand deposits

442,237

3,598

1.08%

438,971

4,061

1.23%

Savings accounts

222,794

299

0.18%

227,231

482

0.28%

Time deposits

241,734

6,727

3.71%

219,751

6,552

3.98%

Total deposits

906,765

10,624

1.56%

885,953

11,095

1.67%

Total interest bearing liabilities

906,765

10,624

1.56%

885,953

11,095

1.67%

Non-interest bearing liabilities

Non-interest bearing deposits

217,893

202,719

Other liabilities

12,266

8,287

Total liabilities

1,136,924

1,096,959

Stockholders' equity (6)

140,696

120,614

Total liabilities and stockholders' equity

1,277,620

1,217,573

Net interest income (tax-equivalent basis)

36,686

31,551

Less: tax equivalent adjustment

(671)

(602)

Net interest income

36,015

30,949

Interest rate spread

3.47%

3.06%

Interest rate spread (tax-equivalent basis) (7)

3.54%

3.13%

Net interest margin

3.89%

3.48%

Net interest margin (tax-equivalent basis) (7)

3.96%

3.55%

Ratio of average interest earning assets to average interest bearing liabilities

136.28%

133.77%

(1) Interest income on loans includes fee income of $668,000 and $599,000 for the nine months ended September 30, 2026 and 2025, respectively.

(2) Average loan balances include loans held for sale and nonperforming loans.

(3) Tax-exempt income has been adjusted to a tax-equivalent basis using the federal marginal tax rate of 21%.

(4) Includes taxable debt and equity securities and FHLB Stock.

(5) Includes interest-bearing deposits with banks and interest-bearing time deposits.

(6) Stockholders' equity attributable to First Capital, Inc.

(7) Reconciliations of the non–U.S. GAAP measures are set forth at the end of this press release.

RECONCILIATION OF GAAP AND NON-GAAP FINANCIAL MEASURES (UNAUDITED):

This presentation contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America (“GAAP”). Management uses these “non-GAAP” measures in its analysis of the Company's performance. Management believes that these non-GAAP financial measures allow for better comparability with prior periods, as well as with peers in the industry who provide a similar presentation, and provide a further understanding of the Company's ongoing operations. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. The following table summarizes the non-GAAP financial measures derived from amounts reported in the Company's consolidated financial statements and reconciles those non-GAAP financial measures with the comparable GAAP financial measures.

Three Months Ended

Nine Months Ended

September 30,

2026

2025

2026

2025

(Dollars in thousands)

Net interest income (A)

12,510

10,956

36,015

30,949

Add: Tax-equivalent adjustment

235

205

671

602

Tax-equivalent net interest income (B)

12,745

11,161

36,686

31,551

Average interest earning assets (C)

1,248,405

1,203,597

1,235,734

1,185,101

Net interest margin (A)/(C)

4.01%

3.64%

3.89%

3.48%

Net interest margin (tax-equivalent basis) (B)/(C)

4.08%

3.71%

3.96%

3.55%

Total interest income (D)

16,093

14,658

46,639

42,044

Add: Tax-equivalent adjustment

235

205

671

602

Total interest income tax-equivalent basis (E)

16,328

14,863

47,310

42,646

Average interest earning assets (F)

1,248,405

1,203,597

1,235,734

1,185,101

Average yield on interest earning assets (D)/(F); (G)

5.16%

4.87%

5.03%

4.73%

Average yield on interest earning assets tax-equivalent (E)/(F); (H)

5.23%

4.94%

5.10%

4.80%

Average cost of interest bearing liabilities (I)

1.57%

1.66%

1.56%

1.67%

Interest rate spread (G)-(I)

3.59%

3.21%

3.47%

3.06%

Interest rate spread tax-equivalent (H)-(I)

3.66%

3.28%

3.54%

3.13%

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 7

v3.26.3

Document and Entity Information

Oct. 23, 2026

Document and Entity Information [Abstract]

Document Type

8-K

Document Period End Date

Oct. 23, 2026

Entity File Number

0-25023

Entity Registrant Name

FIRST CAPITAL, INC.

Entity Incorporation, State or Country Code

Entity Tax Identification Number

35-2056949

Entity Address State Or Province

Entity Address, Address Line One

220 Federal Drive N.W.

Entity Address, City or Town

Corydon

Entity Address, Postal Zip Code

47112

City Area Code

812

Local Phone Number

738-2198

Title of 12(b) Security

Common stock, par value $0.01 per share

Trading Symbol

FCAP

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

Entity Central Index Key

0001070296

Amendment Flag

false

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

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Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

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Area code of city

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Cover page.

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For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

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The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

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No definition available.

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Address Line 1 such as Attn, Building Name, Street Name

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Name of the City or Town

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Code for the postal or zip code

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Name of the state or province.

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- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Indicate if registrant meets the emerging growth company criteria.

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- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

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No definition available.

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Two-character EDGAR code representing the state or country of incorporation.

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The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

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The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

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Local phone number for entity.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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-Section 13e

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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-Section 14d

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Title of a 12(b) registered security.

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Name of the Exchange on which a security is registered.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

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Trading symbol of an instrument as listed on an exchange.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

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