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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
First Capital
First Capital (FCAP) investor relations material
First Capital Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary23 Oct, 2026
Executive summary
Q3 2026 net income was $5.1 million, or $1.53 per diluted share, versus $4.5 million and $1.34 a year earlier.
Nine-month net income reached $14.2 million, or $4.25 per diluted share, versus $11.5 million and $3.43 in 2025.
Financial highlights
Q3 net interest income after provision rose $1.3 million YoY to $12.2 million; nine-month results rose $4.7 million to $34.9 million.
Q3 noninterest income was $2.3 million, down $14,000 YoY; nine-month noninterest income increased $373,000 to $6.5 million.
Q3 noninterest expense rose $545,000 YoY to $8.1 million; nine-month expense increased $1.5 million to $23.7 million.
Nine-month provision for credit losses increased to $1.1 million from $794,000; net charge-offs were $292,000 versus $214,000.
Total assets were $1.275 billion at Sept. 30, 2026, versus $1.272 billion at Dec. 31, 2025; deposits rose $6.4 million to $1.129 billion.
Segment performance
Banking operations serve 17 offices across Indiana and Kentucky communities.
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Latest events from First Capital
- Q2 net income rose 26% with strong loan and deposit growth and improved margins.FCAP
Q2 2026 - Net income and margins rose year-over-year, with strong loan, deposit, and asset growth.FCAPQ1 2026
- Director elections, auditor ratification, and executive pay vote set for May 18, 2026.FCAPProxy filing
- Annual meeting to vote on directors, auditor, and executive pay, with strong governance focus.FCAPProxy filing
- Record net income and margin growth highlight strong annual and quarterly performance.FCAPQ4 2025
- Annual meeting to elect directors, ratify auditor, and hold a say-on-pay vote.FCAPProxy Filing
- Votes will be cast on director elections, auditor ratification, and executive pay at the May 2025 meeting.FCAPProxy Filing
- Q3 2025 saw record earnings, margin growth, and improved asset quality.FCAPQ3 2025
- Net income and margins improved year-over-year, supported by asset growth and higher interest income.FCAPQ2 2025
Next First Capital earnings date
Q4 202622 Jan, 2027
First Capital
Next First Capital earnings date
Q4 202622 Jan, 2027
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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.