First Capital Q3 Net Income Rises 14% to $5.104 Million

For the quarter ended Sept. 30, 2026, First Capital, Inc. (NASDAQ: FCAP) recorded net income attributable to First Capital of $5.104 million, up 14% year over year, while diluted earnings per share rose to $1.53.

Net income attributable to First Capital was $4.478 million in the year-earlier quarter, and diluted earnings per share were $1.34. Net interest income was $12.510 million, while noninterest income was $2.292 million. The two categories totaled $14.802 million.

Net interest income after the provision for credit losses was $12.155 million, compared with $10.806 million a year earlier. The provision was $355,000, up from $150,000. Net interest margin rose to 4.01% from 3.64%.

First Capital is the holding company for First Harrison Bank, which offers retail and business banking and mortgage lending. For the first nine months of 2026, net income attributable to First Capital totaled $14.196 million, or $4.25 per diluted share, compared with $11.488 million and $3.43 per share in the same period of 2025.