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First Capital (FCAP) investor relations material
First Capital Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Net income for Q3 2025 was $4.5 million ($1.34 per diluted share), up from $2.9 million ($0.87 per share) in Q3 2024, with nine-month net income rising to $11.5 million ($3.43 per share) from $8.7 million ($2.59 per share) year-over-year.
Total assets grew by $48.0 million to $1.24 billion as of September 30, 2025, driven by increases in loans and securities available for sale.
Net interest income after provision for credit losses rose $2.1 million year-over-year for Q3 2025 and $4.9 million for the nine months ended September 30, 2025.
Financial highlights
Net loans receivable increased $11.1 million to $642.3 million since year-end 2024.
Securities available for sale rose $32.4 million to $421.6 million, with $108.0 million in purchases and $17.9 million in sales.
Total deposits increased $28.3 million to $1.09 billion, with time deposits up $28.9 million.
Net interest margin improved to 3.71% in Q3 2025 from 3.19% in Q3 2024, and to 3.55% for the nine months from 3.16%.
Provision for credit losses decreased to $150,000 from $463,000 year-over-year for the quarter.
Noninterest income increased $506,000 in Q3, mainly due to gains on equity securities and loan sales.
Noninterest expense rose $540,000 in Q3, mainly due to higher occupancy and compensation costs.
Effective tax rate for Q3 2025 was 19.2%, up from 15.6% in Q3 2024.
Outlook and guidance
Management expects continued focus on loan and deposit growth, with attention to interest rate risk and competitive deposit environment.
Forward-looking statements are subject to risks including economic conditions, interest rates, competition, and regulatory changes.
No material changes to risk factors or critical accounting policies were reported.
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Next First Capital earnings date
Q4 202526 Jan, 2026
Next First Capital earnings date
Q4 202526 Jan, 2026
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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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