)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
First Capital
First Capital (FCAP) investor relations material
First Capital Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Achieved record annual net income of $16.4 million ($4.89 per diluted share) for 2025, up from $11.9 million ($3.57 per diluted share) in 2024, and quarterly net income of $4.9 million ($1.46 per diluted share) for Q4 2025, up from $3.3 million ($0.97 per diluted share) in Q4 2024.
Growth driven by higher net interest income, improved yields on interest-earning assets, and increased noninterest income.
Financial highlights
Net interest income after provision for credit losses rose $6.7 million year-over-year to $41.0 million for 2025; Q4 net interest income after provision increased $1.8 million year-over-year to $10.9 million.
Noninterest income increased $809,000 year-over-year, with gains on equity securities and loan sales offsetting a loss on sale of available-for-sale securities.
Noninterest expenses rose $1.7 million year-over-year, mainly due to higher compensation, benefits, and occupancy costs.
Total assets grew to $1.27 billion at year-end 2025 from $1.19 billion at year-end 2024; deposits increased by $56.6 million to $1.12 billion.
Outlook and guidance
Management notes forward-looking statements are subject to risks including economic conditions, interest rates, competition, and regulatory changes.
How was cost of liabilities reduced despite growth?
Explain rising charge-offs vs. lower ACL provision.
Impact of one-off items on noninterest expense?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next First Capital earnings date
Q1 202624 Apr, 2026
First Capital
Next First Capital earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage