First Capital (FCAP) investor relations material

First Capital Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Q2 2025 earnings summary25 Jul, 2025

Executive summary

  • Net income for Q2 2025 was $3.8 million ($1.13 per diluted share), up from $2.8 million ($0.85 per diluted share) in Q2 2024; six-month net income was $7.0 million ($2.09 per diluted share), up from $5.8 million ($1.73 per diluted share) year-over-year.

  • Growth was driven by higher net interest income and improved net interest margin.

  • Total assets grew to $1.24 billion at June 30, 2025, from $1.19 billion at December 31, 2024.

  • Total deposits increased by $44.2 million to $1.11 billion during the first half of 2025.

  • Stockholders' equity rose to $123.2 million, reflecting higher retained earnings and unrealized gains on securities.

Financial highlights

  • Net interest income after provision for credit losses rose $1.8 million year-over-year for Q2 and $2.7 million for the six months ended June 30, 2025.

  • Net interest margin improved to 3.59% in Q2 2025 from 3.15% in Q2 2024; six-month margin rose to 3.47% from 3.15%.

  • Noninterest income was stable in Q2 but decreased $56,000 for the six months, mainly due to losses on securities sales.

  • Noninterest expense increased $494,000 in Q2 and $918,000 for the six months, mainly from higher compensation, benefits, and occupancy costs.

  • Effective tax rate increased to 18.4% for Q2 and 17.9% for the six months, up from 14.7% in the prior year periods.

Outlook and guidance

  • Management expects continued loan growth and is monitoring macroeconomic uncertainty for potential impacts on credit quality.

  • The company remains well-capitalized with a CBLR of 10.80% at June 30, 2025, and maintains strong liquidity.

  • Forward-looking statements highlight risks from economic conditions, interest rates, and regulatory changes.

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Frequently asked questions

First Capital Inc., operating under the ticker FCAP, is a financial services company serving as the holding entity for First Harrison Bank. Established in 1891, it provides a wide range of banking services to both individual and business customers. Its offerings include various deposit instruments such as non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. Additionally, First Capital Inc. extends residential mortgage loans, construction loans for residential and commercial properties, and commercial real estate loans, alongside commercial business loans. The company also engages in originating mortgage loans for secondary market sales, selling non-deposit investment products, and offering secured or guaranteed consumer loans, including automobile and truck loans, home equity loans, home improvement loans, and unsecured consumer loans, among others. The company is headquartered in Corydon, Indiana, and its shares are listed on the Nasdaq.

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