FIRST CAPITAL INC
For the period ended Dec 31, 2025. Filed Mar 31, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 31, 2026
FCAP$63.29+0.9%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consolidated Balance Sheets at December 31, 2025 and 2024
CONSOLIDATED BALANCE SHEETS****
**DECEMBER 31, 2025 AND 2024
| | | | | | | |
|---|---|---|---|---|---|---|
| · · · · | ||||||
| (In thousands, except share and per share data) · · 2025 · · 2024 | ||||||
| ASSETS · · · · · | ||||||
| Cash and due from banks | | $26,873 | | $18,418 | ||
| Interest bearing deposits with banks | | 110,415 | | 87,499 | ||
| Total cash and cash equivalents | | 137,288 | | 105,917 | ||
| | | | | | | |
| Interest-bearing time deposits | | 1,470 | | 2,695 | ||
| Securities available for sale, at fair value (amortized cost $432,167 and $418,935, respectively) | | 417,190 | | 389,243 | ||
| Securities held to maturity, at amortized cost (fair value $5,243 and $4,591, respectively) | | 7,000 | | 7,000 | ||
| Loans held for sale | | 1,464 | | 472 | ||
| Loans, net of allowance for credit losses of $10,108 ($9,281 in 2024) | | 654,100 | | 631,199 | ||
| Federal Home Loan Bank and other stock, at cost | | 1,836 | | 1,836 | ||
| Premises and equipment | | 14,357 | | 14,179 | ||
| Accrued interest receivable | | 5,100 | | 4,575 | ||
| Cash value of life insurance | | 8,993 | | 9,329 | ||
| Goodwill | | 6,472 | | 6,472 | ||
| Core deposit intangible | | — | | 86 | ||
| Other assets | | 16,725 | | 14,520 | ||
| | | | | | | |
| Total Assets | | $1,271,995 | | $1,187,523 | ||
| | | | | | | |
| LIABILITIES | | | | | ||
| Deposits: | | | | | ||
| Noninterest-bearing | | $220,053 | | $197,993 | ||
| Interest-bearing | | 902,937 | | 868,446 | ||
| Total deposits | | 1,122,990 | | 1,066,439 | ||
| | | | | | | |
| Accrued interest payable | | 2,195 | | 1,922 | ||
| Accrued expenses and other liabilities | | 8,901 | | 4,451 | ||
| Total liabilities | | 1,134,086 | | 1,072,812 | ||
| | | | | | | |
| EQUITY | | | | | ||
| Preferred stock of $.01 par value per share | | | | | ||
| Authorized 1,000,000 shares; none issued | | — | | — | ||
| Common stock of $.01 par value per share | | | | | ||
| Authorized 7,500,000 shares; issued 3,810,883 shares (3,806,983 in 2024); outstanding 3,341,871 (3,351,703 in 2024) | | 38 | | 38 | ||
| Additional paid-in capital | | 41,823 | | 41,676 | ||
| Retained earnings-substantially restricted | | 117,635 | | 105,290 | ||
| Unearned stock compensation | | (178) | | (135) | ||
| Accumulated other comprehensive loss | | (11,646) | | (22,990) | ||
| Less treasury stock, at cost - 469,012 shares (455,280 in 2024) | | (9,875) | | (9,280) | ||
| Total First Capital, Inc. stockholders' equity | | 137,797 | | 114,599 | ||
| | | | | | | |
| Noncontrolling interest in subsidiary | | 112 | | 112 | ||
| Total equity | | 137,909 | | 114,711 | ||
| | | | | | | |
| Total Liabilities and Equity | | $1,271,995 | | $1,187,523 | ||
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