Overview
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- TickerFCAP on Nasdaq1
- IndustrySavings Institution, Federally Chartered1
- HeadquartersCorydon, Indiana1
- Incorporated inIN2
- Business address220 Federal Drive N W, Corydon, In 471122
- Filer categoryNon-accelerated filer, Smaller reporting company2
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First Capital, Inc. (the “Company,” “First Capital,” “us,” or “we”) was incorporated under Indiana law on September 11, 1998. On December 31, 1998, the Company became the holding company for First Federal Bank, A Federal Savings Bank (the “Bank”) upon the Bank’s reorganization as a wholly owned subsidiary of the Company resulting from the conversion of First Capital, Inc., M.H.C. (the “MHC”), from a federal mutual holding company to a stock holding company. On January 12, 2000, the Company completed a merger of equals with HCB Bancorp, the former holding company for Harrison County Bank, and the Bank changed its name to First Harrison Bank. On March 20, 2003, the Company acquired Hometown Bancshares, Inc. (“Hometown”), a bank holding company located in New Albany, Indiana. On December 4, 2015, the Company acquired Peoples Bancorp, Inc. of Bullitt County and its wholly-owned bank subsidia…4 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
ATM and Debit Card Fees brought in 63% of the revenue FIRST CAPITAL INC broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2023 | 2024 | 2025 |
|---|---|---|---|
| ATM and Debit Card Fees | $4.5M | $4.5M | $4.5M |
| Service charges on deposit accounts | $2.3M | $2.4M | $2.5M |
| Product and Service, Other | $177.0K | $190.0K | $180.0K |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Income tax18¢$3.5M
- Profit82¢$16.4M
Out of $7.2M in revenue.5
Where each dollar of operating cash went, fiscal 2025
- Capital spending6¢$1.4M
- Dividends paid19¢$4.0M
- Share buybacks3¢$578.0K
- Kept or used elsewhere72¢$15.3M
Out of $21.3M of cash from operations.5
Financial statements
Every line of the income statement as filed: the last 3 fiscal years (annual) or 8 quarters (quarterly), latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans, including fees | $40.9M | $38.3M | $33.4M |
| Taxable | $8.6M | $6.8M | $5.6M |
| Tax-exempt | $2.7M | $2.6M | $3.3M |
| Dividends | $103.0K | $88.0K | $58.0K |
| Interest bearing deposits with banks | $4.5M | $2.7M | $1.3M |
| Total interest income | $56.8M | $50.5M | $43.6M |
| Deposits | $14.7M | $13.2M | $8.2M |
| Advances - FHLB | $99.0K | $340.0K | |
| "Borrowed funds - Bank Term Funding Program (""BTFP"")" | $1.4M | $436.0K | |
| Total interest expense | $14.7M | $14.7M | $9.0M |
| Net interest income | $42.1M | $35.8M | $34.6M |
| Provision for credit losses | $1.1M | $1.4M | $1.1M |
| Net interest income after provision for credit losses | $41.0M | $34.3M | $33.4M |
| Noninterest income, financial services | $7.2M | $7.1M | $7.0M |
| (Loss) gain on sale of securities | -$94.0K | $32.0K | $40.0K |
| Unrealized gain (loss) on equity securities | $149.0K | -$374.0K | -$207.0K |
| Gain on sale of loans | $792.0K | $554.0K | $421.0K |
| Increase in cash surrender value of life insurance | $222.0K | $224.0K | $206.0K |
| Other income | $406.0K | $351.0K | $340.0K |
| Total noninterest income | $8.5M | $7.7M | $7.6M |
| Compensation and benefits | $16.8M | $15.5M | $15.0M |
| Occupancy and equipment | $2.4M | $1.9M | $1.8M |
| Data processing | $4.6M | $4.5M | $4.4M |
| Professional fees | $1.2M | $1.4M | $693.0K |
| Advertising | $482.0K | $357.0K | $329.0K |
| Other expenses | $4.1M | $4.1M | $3.9M |
| Total noninterest expense | $29.6M | $27.8M | $26.0M |
| Income before income taxes | $19.9M | $14.2M | $15.1M |
| Income tax expense | $3.5M | $2.2M | $2.2M |
| Net Income | $16.4M | $12.0M | $12.8M |
| Less: net income attributable to noncontrolling interest in subsidiary | $13.0K | $13.0K | $13.0K |
| Net Income Attributable to First Capital, Inc. | $16.4M | $11.9M | $12.8M |
| Basic (in dollars per share) | $4.89 | $3.57 | $3.82 |
| Diluted (in dollars per share) | $4.89 | $3.57 | $3.82 |
| Dividends per share | $1.20 | $1.12 | $1.08 |
| Period ending | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|
| Total interest income | $14.8M | $14.7M | $14.0M | $13.3M | $13.2M | $13.2M | $12.2M | $11.8M |
| Net interest income | $11.2M | $11.0M | $10.4M | $9.6M | $9.4M | $9.1M | $8.7M | $8.6M |
| Net Income Attributable to First Capital, Inc. | $4.9M | $4.5M | $3.8M | $3.2M | $3.3M | $2.9M | $2.8M | $3.0M |
| Basic (in dollars per share) | $1.46 | $1.34 | $1.13 | $0.97 | $0.97 | $0.87 | $0.85 | $0.88 |
| Diluted (in dollars per share) | $1.46 | $1.34 | $1.13 | $0.97 | $0.97 | $0.87 | $0.85 | $0.88 |
Every line of the balance sheet as filed: the last 5 fiscal years (annual) or 5 quarters (quarterly), latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2024-07-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|---|
| Cash and due from banks | $26.9M | $18.4M | |||
| Interest bearing deposits with banks | $110.4M | $87.5M | |||
| Total cash and cash equivalents | $137.3M | $105.9M | |||
| Interest-bearing time deposits | $1.5M | $2.7M | |||
| Securities available for sale, at fair value (amortized cost $432,167 and $418,935, respectively) | $417.2M | $389.2M | |||
| Securities held to maturity, at amortized cost (fair value $5,243 and $4,591, respectively) | $7.0M | $7.0M | $2.0M | ||
| Loans held for sale | $1.5M | $472.0K | |||
| Loans, net of allowance for credit losses of $10,108 ($9,281 in 2024) | $654.1M | $631.2M | |||
| Federal Home Loan Bank and other stock, at cost | $1.8M | $1.8M | |||
| Premises and equipment | $14.4M | $14.2M | |||
| Accrued interest receivable | $5.1M | $4.6M | |||
| Cash value of life insurance | $9.0M | $9.3M | |||
| Goodwill | $6.5M | $6.5M | |||
| Core deposit intangible | $0 | $86.0K | |||
| Other assets | $16.7M | $14.5M | |||
| Total Assets | $1.3B | $1.2B | |||
| Noninterest-bearing | $220.1M | $198.0M | |||
| Interest-bearing | $902.9M | $868.4M | |||
| Total deposits | $1.1B | $1.1B | |||
| Accrued interest payable | $2.2M | $1.9M | |||
| Accrued expenses and other liabilities | $8.9M | $4.5M | |||
| Total liabilities | $1.1B | $1.1B | |||
| Preferred stock of $.01 par value per share Authorized 1,000,000 shares; none issued | $0 | $0 | |||
| 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) | $38.0K | $38.0K | |||
| Additional paid-in capital | $41.8M | $41.7M | |||
| Retained earnings-substantially restricted | $117.6M | $105.3M | |||
| Unearned stock compensation | -$178.0K | -$135.0K | |||
| Accumulated other comprehensive loss | -$11.6M | -$23.0M | |||
| Less treasury stock, at cost - 469,012 shares (455,280 in 2024) | -$9.9M | -$9.3M | |||
| Total First Capital, Inc. stockholders' equity | $137.8M | $114.6M | |||
| Noncontrolling interest in subsidiary | $112.0K | $112.0K | |||
| Total equity | $137.9M | $114.7M | $105.3M | $84.7M | |
| Total Liabilities and Equity | $1.3B | $1.2B | |||
| Securities available for sale at fair value, amortized cost | $432.2M | $418.9M | |||
| Securities held to maturity at amortized cost, fair value | $5.2M | $4.6M | |||
| Allowance for credit losses | $10.1M | $9.3M | $8.0M | ||
| Preferred stock, par value (in dollars per share) | $0.01 | $0.01 | |||
| Preferred stock, shares authorized (in shares) | 1.0M shares | 1.0M shares | |||
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |||
| Common stock, par value (in dollars per share) | $0.01 | $0.01 | |||
| Common stock, shares authorized (in shares) | 7.5M shares | 7.5M shares | |||
| Common stock, shares, issued (in shares) | 3.8M shares | 3.8M shares | |||
| Common stock, shares outstanding (in shares) | 3.3M shares | 3.4M shares | |||
| Treasury stock, cost (in shares) | 469.0K shares | 455.3K shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2024-07-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|---|
| Cash and due from banks | $26.9M | $18.4M | |||
| Interest bearing deposits with banks | $110.4M | $87.5M | |||
| Total cash and cash equivalents | $137.3M | $105.9M | |||
| Interest-bearing time deposits | $1.5M | $2.7M | |||
| Securities available for sale, at fair value (amortized cost $432,167 and $418,935, respectively) | $417.2M | $389.2M | |||
| Securities held to maturity, at amortized cost (fair value $5,243 and $4,591, respectively) | $7.0M | $7.0M | $2.0M | ||
| Loans held for sale | $1.5M | $472.0K | |||
| Loans, net of allowance for credit losses of $10,108 ($9,281 in 2024) | $654.1M | $631.2M | |||
| Federal Home Loan Bank and other stock, at cost | $1.8M | $1.8M | |||
| Premises and equipment | $14.4M | $14.2M | |||
| Accrued interest receivable | $5.1M | $4.6M | |||
| Cash value of life insurance | $9.0M | $9.3M | |||
| Goodwill | $6.5M | $6.5M | |||
| Core deposit intangible | $0 | $86.0K | |||
| Other assets | $16.7M | $14.5M | |||
| Total Assets | $1.3B | $1.2B | |||
| Noninterest-bearing | $220.1M | $198.0M | |||
| Interest-bearing | $902.9M | $868.4M | |||
| Total deposits | $1.1B | $1.1B | |||
| Accrued interest payable | $2.2M | $1.9M | |||
| Accrued expenses and other liabilities | $8.9M | $4.5M | |||
| Total liabilities | $1.1B | $1.1B | |||
| Preferred stock of $.01 par value per share Authorized 1,000,000 shares; none issued | $0 | $0 | |||
| 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) | $38.0K | $38.0K | |||
| Additional paid-in capital | $41.8M | $41.7M | |||
| Retained earnings-substantially restricted | $117.6M | $105.3M | |||
| Unearned stock compensation | -$178.0K | -$135.0K | |||
| Accumulated other comprehensive loss | -$11.6M | -$23.0M | |||
| Less treasury stock, at cost - 469,012 shares (455,280 in 2024) | -$9.9M | -$9.3M | |||
| Total First Capital, Inc. stockholders' equity | $137.8M | $114.6M | |||
| Noncontrolling interest in subsidiary | $112.0K | $112.0K | |||
| Total equity | $137.9M | $114.7M | $105.3M | $84.7M | |
| Total Liabilities and Equity | $1.3B | $1.2B | |||
| Securities available for sale at fair value, amortized cost | $432.2M | $418.9M | |||
| Securities held to maturity at amortized cost, fair value | $5.2M | $4.6M | |||
| Allowance for credit losses | $10.1M | $9.3M | $8.0M | ||
| Preferred stock, par value (in dollars per share) | $0.01 | $0.01 | |||
| Preferred stock, shares authorized (in shares) | 1.0M shares | 1.0M shares | |||
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |||
| Common stock, par value (in dollars per share) | $0.01 | $0.01 | |||
| Common stock, shares authorized (in shares) | 7.5M shares | 7.5M shares | |||
| Common stock, shares, issued (in shares) | 3.8M shares | 3.8M shares | |||
| Common stock, shares outstanding (in shares) | 3.3M shares | 3.4M shares | |||
| Treasury stock, cost (in shares) | 469.0K shares | 455.3K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $16.4M | $12.0M | $12.8M |
| Amortization of premiums and accretion of discounts on securities, net | $736.0K | $1.1M | $1.6M |
| Depreciation and amortization expense | $1.1M | $1.1M | $1.0M |
| Deferred income taxes | -$900.0K | -$551.0K | -$698.0K |
| Stock compensation expense | $104.0K | $202.0K | $252.0K |
| Increase in cash value of life insurance | -$222.0K | -$224.0K | -$206.0K |
| Gain on life insurance | -$47.0K | ||
| Loss (gain) on sale of securities | $94.0K | -$32.0K | -$40.0K |
| Provision for credit losses | $1.1M | $1.4M | $1.1M |
| Proceeds from sales of loans | $41.6M | $33.7M | $32.0M |
| Loans originated for sale | -$41.8M | -$32.8M | -$31.6M |
| Gain on sale of loans | -$792.0K | -$554.0K | -$421.0K |
| Amortization of tax credit investment | $3.2M | $2.2M | $2.0M |
| Unrealized (gain) loss on equity securities | -$149.0K | $374.0K | $207.0K |
| Loss (gain) on disposal of premises and equipment | $12.0K | -$7.0K | |
| (Increase) decrease in accrued interest receivable | -$525.0K | $213.0K | -$503.0K |
| Increase in accrued interest payable | $273.0K | $713.0K | $1.1M |
| Net change in other assets/liabilities | $1.1M | $3.6M | -$4.5M |
| Net Cash Provided By Operating Activities | $21.3M | $22.3M | $14.2M |
| Net decrease (increase) in interest-bearing time deposits | $1.2M | $1.2M | -$243.0K |
| Purchase of securities available for sale | -$137.9M | -$61.7M | -$37.2M |
| Proceeds from maturities of securities available for sale | $67.1M | $63.0M | $38.0M |
| Proceeds from sales of securities available for sale | $17.9M | $19.2M | $20.6M |
| Principal collected on mortgage-backed obligations | $38.8M | $28.1M | $15.8M |
| Proceeds from sale of equity securities | $156.0K | ||
| Net increase in loans receivable | -$24.0M | -$18.2M | -$58.2M |
| Investment in tax credit entities | -$4.3M | -$1.7M | -$2.0M |
| Investment in technology fund | -$89.0K | -$115.0K | -$250.0K |
| Proceeds from settlement of bank-owned life insurance policies | $605.0K | ||
| Proceeds from sale of foreclosed real estate | $64.0K | ||
| Proceeds from sale of premises and equipment | $7.0K | ||
| Proceeds from insurance claims | $159.0K | ||
| Purchase of premises and equipment | -$1.4M | -$717.0K | -$627.0K |
| Net Cash (Used In) Provided By Investing Activities | -$41.8M | $29.0M | -$23.9M |
| Net increase (decrease) in deposits | $56.6M | $41.2M | -$35.2M |
| Advances from FHLB and BTFP | $167.8M | $354.5M | |
| Repayment of advances from the FHLB and BTFP | -$189.3M | -$333.0M | |
| Purchase of treasury stock | -$578.0K | -$41.0K | -$502.0K |
| Taxes paid on stock award shares for employees | -$17.0K | -$23.0K | -$23.0K |
| Dividends paid | -$4.0M | -$3.8M | -$3.6M |
| Net Cash Provided By (Used In) Financing Activities | $51.9M | $15.9M | -$17.8M |
| Net Increase (Decrease) in Cash and Cash Equivalents | $31.4M | $67.2M | -$27.6M |
No quarter-by-quarter statement was filed.
Corporate structure
FIRST CAPITAL INC sits at the top of its group. 8 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of FIRST CAPITAL INC
- VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G/A on FIRST CAPITAL INC, latest Jul 31, 2026 (2 filings since Apr 29, 2026)
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on FIRST CAPITAL INC, latest Mar 26, 2026 (2 filings since Jan 30, 2026)
- BlackRock Filed SCHEDULE 13G on FIRST CAPITAL INC, latest Jan 21, 2026
- FIRST CAPITAL INC Corydon, Indiana
- FHB Risk Mitigation Services, Inc. Subsidiary · Nevada, United States
- First Harrison Bank Subsidiary · Indiana, United States
- First Harrison Holdings, Inc. Subsidiary · Nevada, United States
- First Harrison Investments, Inc. Subsidiary · Nevada, United States
- First Harrison REIT, Inc. Subsidiary · Maryland, United States
- First Harrison, LLC Subsidiary · Nevada, United States
- Heritage Hill, LLC Subsidiary · Kentucky, United States
Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What FIRST CAPITAL INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Land and buildings | $5.2M9 Dec 31, 2024 | $5.2M9 Dec 31, 2023 | 0% |
| Buildings and improvements | $17.2M9 Dec 31, 2024 | $17.0M9 Dec 31, 2023 | +1.1% |
| Furniture and fixtures | $6.1M9 Dec 31, 2024 | $6.9M9 Dec 31, 2023 | −11.6% |
| Leasehold improvements | $134.0K9 Dec 31, 2024 | $134.0K9 Dec 31, 2023 | 0% |
| Property and equipment, before depreciation | $28.1M5 Dec 31, 2025 | $28.7M5 Dec 31, 2024 | −2.0% |
| Accumulated depreciation | $13.7M5 Dec 31, 2025 | $14.5M5 Dec 31, 2024 | −5.2% |
| Property and equipment, net | $14.4M5 Dec 31, 2025 | $14.2M5 Dec 31, 2024 | +1.3% |
| Operating-lease assets (leased space) | $05 Dec 31, 2025 | $05 Dec 31, 2024 |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Debt securities available for sale | $417.2M5 Dec 31, 2025 | $389.2M5 Dec 31, 2024 | +7.2% |
| Equity securities at fair value | $887.0B9 Dec 31, 2024 | $1.3M9 Dec 31, 2023 | +68230669.2% |
| Loans, net of allowance | $654.1M5 Dec 31, 2025 | $631.2M5 Dec 31, 2024 | +3.6% |
| Deposits held (banks) | $1.1B5 Dec 31, 2025 | $1.1B5 Dec 31, 2024 | +5.3% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $6.5M5 Dec 31, 2025 | $6.5M5 Dec 31, 2024 | 0% |
| Finite-lived intangibles, net | $05 Dec 31, 2025 | $86.0K5 Dec 31, 2024 | −100.0% |
Properties, in its own words
The following table sets forth certain information regarding the Bank’s offices as of December 31, 2025.
Approximate
The rest of Item 2
Year · Net Book · Owned/ · Square
Location · Opened · Value (1) · Leased · Footage
Main Office:
220 Federal Drive, NW
Corydon, Indiana 47112 · 1997 · 1,450 · Owned · 12,000
Branch Offices:
8095 State Highway 135, NW
New Salisbury, Indiana 47161 · 1999 · 351 · Owned · 3,500
710 Main Street
Palmyra, Indiana 47164 · 1991 · 614 · Owned · 6,000
9849 Highway 150
Greenville, Indiana 47124 · 1986 · 474 · Owned · 2,484
5100 State Road 64
Georgetown, Indiana 47122 · 2008 · 904 · Owned · 4,988
4303 Charlestown Crossing
New Albany, Indiana 47150 · 1999 · 615 · Owned · 3,500
3131 Grant Line Road
New Albany, Indiana 47150 · 2003 · 1,152 · Owned · 12,200
5609 Williamsburg Station Road
Floyds Knobs, Indiana 47119 · 2003 · 488 · Owned · 4,160
2744 Allison Lane
Jeffersonville, Indiana 47130 · 2003 · 889 · Owned · 4,090
1312 S. Jackson Street
Salem, Indiana 47167 · 2007 · 687 · Owned · 3,400
2420 Barron Avenue, NW
Lanesville, Indiana 47136 · 2010 · 663 · Owned · 1,450
7735 Highway 62
Charlestown, Indiana 47111 · 2017 · 1,255 · Owned · 2,500
1612 Highway 44 East
Shepherdsville, Kentucky 40165 · 1980 · 1,963 · Owned · 11,892
130 S. Buckman Street
Shepherdsville, Kentucky 40165 · 1962 · 284 · Owned · 3,840
550 John Harper Highway
Shepherdsville, Kentucky 40165 · 1999 · 1,447 · Owned · 6,648
100 S. Bardstown Road
Mount Washington, Kentucky 40047 · 1991 · 953 · Owned · 5,169
140 S. Poplar Street
Lebanon Junction, Kentucky 40150 · 1973 · 168 · Owned · 2,795
(1) · Represents the net value of land, buildings, furniture, fixtures and equipment owned by the Bank.
Item 2 of the 10-K filed Mar 31, 2026.4
Leadership
Who has led FIRST CAPITAL INC, and when. Pick a name to see everywhere that person has worked.
Chief executive
President
Chief financial officer
Chief operating officer
- Chief executive officerChris Frederick May 5, 2023 to now13
- Chief executive officerWilliam W. Harrod Nov 16, 2007 to May 12, 202314
- PresidentWilliam W. Harrod Nov 16, 2007 to Aug 18, 201614
- Chief financial officerJoshua Paul Stevens May 5, 2023 to now15
- Chief financial officerChris Frederick Nov 3, 2008 to Feb 2, 202316
- Chief operating officerAngela Jett Apr 11, 2024 to Apr 11, 202417
- Chief operating officerSamuel E. Uhl Feb 10, 2006 to Jul 30, 201018
Board members and other officers (25)
- SecretaryTerri Vorbrink Sep 10, 2024 to now19
- Senior V.P.Jill R. Keinsley Feb 7, 2013 to Feb 14, 202320
- Senior Vice PresidentBradley Backherms Nov 3, 2008 to Nov 3, 200821
- Senior Vice PresidentJoel E. Voyles Jun 8, 2007 to Feb 16, 201022
- Board memberJohn Shireman Jun 4, 2024 to now23
- Board memberJill Saegesser Jun 8, 2021 to now24
- Board memberChris Frederick Aug 3, 2021 to now25
- Board memberLou Ann Moore Jul 26, 2018 to now26
- Board memberRobert C. Guilfoyle Jul 26, 2018 to now27
- Board memberKenneth R. Saulman Feb 19, 2015 to Feb 22, 201828
- Board memberDana L. Huber Feb 26, 2015 to now29
- Board memberCarolyn E. Wallace Jan 29, 2010 to now30
- Board memberWilliam I. Orwick Sr. Jan 29, 2010 to now31
- Board memberJames E. Nett Feb 1, 2010 to Feb 1, 201032
- Board memberChristopher L. Byrd Jun 11, 2010 to now33
- Board memberPamela G. Kraft Jun 14, 2010 to now34
- Board memberDennis L. Huber Jul 31, 2008 to Feb 19, 201535
- Board memberJames S. Burden Nov 16, 2007 to Nov 16, 200736
- Board memberWilliam W. Harrod Nov 16, 2007 to now14
- Board memberMichael L. Shireman Jan 26, 2006 to now37
- Board memberJames G. Pendleton Jan 31, 2006 to Feb 12, 200938
- Board memberKathy Ernstberger Jan 31, 2006 to now39
- Board memberSamuel E. Uhl Feb 10, 2006 to Aug 8, 201918
- Board memberGerald L. Uhl Apr 27, 2006 to Feb 19, 201540
- Board memberMark D. Shireman May 10, 2006 to now41
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- FHB Risk Mitigation Services, Inc. Nevada (dissolved)3
- First Harrison Bank Indiana3
- First Harrison Holdings, Inc. Nevada3
- First Harrison Investments, Inc. Nevada3
- First Harrison REIT, Inc. Maryland3
- First Harrison, LLC Nevada3
- Heritage Hill, LLC Kentucky3
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Timeline
- Jul 24, 20268-K Results of operations42
- May 22, 20268-K Shareholder vote43
- Apr 24, 20268-K Results of operations44
- Feb 19, 20268-K Other events45
- Jan 23, 20268-K Results of operations46
- Oct 24, 20258-K Results of operations47
- Aug 29, 20258-K Other events48
- Jul 25, 20258-K Results of operations49
- May 28, 20258-K Shareholder vote50
- Apr 25, 20258-K Results of operations51
- Feb 20, 20258-K Other events52
- Jan 24, 20258-K Results of operations53
- May 5, 2023New chief executive Chris Frederick becomes CEO13
- Nov 16, 2007New chief executive William W. Harrod becomes CEO14
Calendar
Coming up
- Oct 23, 2026Reports results for the quarter ending Sep/202654
When it reported results
- Jul 24, 2026Reported quarterly or annual results42
- Apr 24, 2026Reported quarterly or annual results44
- Jan 23, 2026Reported quarterly or annual results46
- Oct 24, 2025Reported quarterly or annual results47
- Jul 25, 2025Reported quarterly or annual results49
- Apr 25, 2025Reported quarterly or annual results51
- Jan 24, 2025Reported quarterly or annual results53
- Oct 25, 2024Reported quarterly or annual results55
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
152 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 36 major events, 76 insider forms, 5 large holders, 14 other. The latest 20:
- Aug 12, 202610-Q EDGAR
- Jul 31, 2026SCHEDULE 13G/A EDGAR
- Jul 24, 20268-K EDGAR
- May 22, 20268-K EDGAR
- May 12, 202610-Q EDGAR
- Apr 29, 2026SCHEDULE 13G EDGAR
- Apr 24, 20268-K EDGAR
- Apr 8, 2026ARS EDGAR
- Apr 8, 2026DEFA14A EDGAR
- Apr 8, 2026DEF 14A FORM- DEF 14A EDGAR
- Mar 31, 202610-K EDGAR
- Mar 26, 2026SCHEDULE 13G/A EDGAR
- Mar 2, 20264 EDGAR
- Mar 2, 20264 EDGAR
- Feb 19, 20268-K EDGAR
- Feb 17, 20265 EDGAR
- Feb 17, 20265 EDGAR
- Feb 17, 20265 EDGAR
- Feb 17, 20265 EDGAR
- Feb 17, 20265 EDGAR
The 152 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
27 open-market trades by officers, directors and large owners since October 2021: 26 buys and 1 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Aug 29, 2025 | ERNSTBERGER KATHYDirector | Buy | 972 | $41.10 | $39.9K | Form 4 |
| Aug 15, 2025 | Stevens Joshua PaulCHIEF FINANCIAL OFFICER | Buy | 200 | $37.50 | $7.5K | Form 4 |
| Aug 15, 2025 | FREDERICK CHRISCHIEF EXECUTIVE OFFICER | Buy | 200 | $38.25 | $7.7K | Form 4 |
| May 1, 2025 | Kraft Pamela GDirector | Buy | 200 | $44.78 | $9.0K | Form 4 |
| Aug 5, 2024 | Shireman JohnDirector | Buy | 500 | $31.69 | $15.8K | Form 4 |
| Aug 2, 2024 | Shireman JohnDirector | Buy | 1,000 | $31.93 | $31.9K | Form 4 |
| Feb 28, 2024 | Stevens Joshua PaulCHIEF FINANCIAL OFFICER | Buy | 180 | $27.85 | $5.0K | Form 4 |
| Nov 3, 2023 | Stevens Joshua PaulCHIEF FINANCIAL OFFICER | Buy | 305 | $24.27 | $7.4K | Form 4 |
| May 10, 2023 | HARROD WILLIAM WDirector | Buy | 300 | $23.59 | $7.1K | Form 4 |
| May 4, 2023 | FREDERICK CHRISCHIEF EXECUTIVE OFFICER | Buy | 220 | $23.19 | $5.1K | Form 4 |
| Feb 1, 2023 | Saegesser JillDirector | Buy | 892 | $26.52 | $23.7K | Form 4 |
| Jan 31, 2023 | FREDERICK CHRISCHIEF EXECUTIVE OFFICER | Buy | 115 | $26.50 | $3.0K | Form 4 |
| Nov 9, 2022 | SHIREMAN MICHAEL LDirector | Buy | 1,825 | $24.07 | $43.9K | Form 4 |
| Nov 7, 2022 | HARROD WILLIAM WDirector | Buy | 100 | $24.02 | $2.4K | Form 4 |
| Aug 26, 2022 | HUBER DANA L.Director | Buy | 706 | $27.25 | $19.2K | Form 4 |
| Aug 25, 2022 | HUBER DANA L.Director | Buy | 4,294 | $27.25 | $117.0K | Form 4 |
| Aug 9, 2022 | SHIREMAN MARK DDirector | Buy | 337 | $29.50 | $9.9K | Form 4 |
| Jul 29, 2022 | HARROD WILLIAM WDirector | Buy | 343 | $31.01 | $10.6K | Form 4 |
| Jul 28, 2022 | SHIREMAN MARK DDirector | Buy | 330 | $31.00 | $10.2K | Form 4 |
| Jul 27, 2022 | FREDERICK CHRISCHIEF EXECUTIVE OFFICER | Buy | 500 | $30.49 | $15.2K | Form 4 |
All 27 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- VANGUARD CAPITAL MANAGEMENT LLCSCHEDULE 13G/A, 2 filings Apr 29, 2026 to Jul 31, 202656
- VANGUARD GROUP INCSCHEDULE 13G/A, 2 filings Jan 30, 2026 to Mar 26, 202657
- BlackRockSCHEDULE 13G, 1 filing Jan 21, 202658
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 62. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How FIRST CAPITAL INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARFIRST CAPITAL INC1
- CIK0001070296
- Employer ID (EIN)35-20569494
- Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
- Incorporated inIndiana4
- Fiscal year endsDecember 311
- Industry code (SIC)6035 Savings Institution, Federally Chartered1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address220 Federal Drive N W, Corydon, IN 471121
- Phone81273821981
- Shares outstanding3,344,625 as of Jul 31, 202611
- Public float$132.4M as of Jun 30, 20254
- AuditorCrowe LLP, Louisville, Kentucky PCAOB ID 173; no auditor attestation of internal control over financial reporting4
- On EDGAR sinceSep 16, 19981
- Filings756 in all: 4 (277), 8-K (187), 10-Q (72), 5 (47), DEF 14A (27), 10-K (24), DEFA14A (21), 3 (13)1
All 35 form types
ARS (12), 10QSB (11), 4/A (9), 425 (7), CORRESP (4), S-8 (4), UPLOAD (4), 424B3 (3), S-4 (3), SC 13G (3), SC 13G/A (3), SCHEDULE 13G (3), 10KSB/A (2), 10KSB40 (2), 8-K/A (2), EFFECT (2), S-4/A (2), SB-2/A (2), SCHEDULE 13G/A (2), 10-K/A (1), 10KSB (1), 10KT405 (1), 8-A12G (1), PRE 14A (1), S-3 (1), S-4 POS (1), SB-2 (1)
- Latest filingsAnnual report (10-K) Mar 31, 2026
Quarterly report (10-Q) Aug 12, 2026
Proxy statement (DEF 14A) Apr 8, 2026
Latest 8-K (8-K) Jul 24, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, par value $0.01 per share | FCAP | NASDAQ |
From the cover page of the 10-K filed Mar 31, 2026 (Section 12(b) of the Exchange Act).4
Risk factors and legal proceedings
The risks FIRST CAPITAL INC names in Item 1A of its 10-K filed Mar 31, 2026: 31 risks under these headings, as written.4
- We may not be able to measure and limit our credit risk adequately, which could adversely affect our profitability.
- Higher loan losses could require the Company to increase its ACL on loans and unfunded commitments through a charge to earnings.
- Commercial business lending may expose the Company to increased lending risks.
- Commercial real estate lending may expose the Company to increased lending risks.
- Non-performing assets take significant time to resolve, adversely affect our results of operations and financial condition, and could result in losses.
- Liquidity and Interest Rate Risk
- Above average interest rate risk associated with fixed-rate loans may have an adverse effect on our financial position or results of operations.
- Liquidity risks could affect operations and jeopardize our business, financial condition, and results of operations.
- The Company is a bank holding company and its sources of funds necessary to meet its obligations are limited.
- Operational Risk
- Our information systems may experience an interruption or breach in security.
- We are subject to certain operational risks, including, but not limited to, customer or employee fraud and data processing system failures and errors.
The other 21 risks
- We depend on outside third parties for processing and handling of our records and data.
- Our framework for managing risks may not be effective in mitigating risk and loss to us.
- We are subject to changes in accounting principles, policies, or guidelines.
- Strategic and External Risk
- Our business may be adversely affected by conditions in the financial markets and economic conditions generally.
- Acquisitions and the addition of branch facilities may not produce revenue enhancements or cost savings at levels or within timeframes originally anticipated and may result in unforeseen integration difficulties and dilution to existing shareholder value.
- Turmoil in the financial markets could result in lower fair values for our investment securities.
- Strong competition within the Bank’s market area could hurt the Company’s profitability and growth.
- We continually encounter technological change.
- Regulatory, Compliance, Legal, and Other Risk
- We are subject to federal regulations that seek to protect the Deposit Insurance Fund and the depositors and borrowers of the Bank, and our federal regulators may impose restrictions on our operations that are detrimental to holders of the Company’s common stock.
- Financial regulatory reform may have a material impact on the Company’s operations.
- We face a risk of noncompliance and enforcement action with the BSA and other anti-money laundering statutes and regulations.
- We are periodically subject to examination and scrutiny by a number of banking agencies and, depending upon the findings and determinations of these agencies, we may be required to make adjustments to our business that could adversely affect us.
- Risks Related to the Company’s Stock
- The price of the Company’s common stock may be volatile, which may result in losses for investors.
- The trading volume in the Company’s common stock is less than that of other larger financial services institutions.
- The Company’s Articles of Incorporation, Indiana law, and certain banking laws may have an anti-takeover effect.
- The Company may issue additional securities, which could dilute the ownership percentage of holders of the Company’s common stock.
- We may not be able to pay dividends in the future in accordance with past practice.
- General Risk Factors
- We may not be able to attract and retain skilled people.
- Loss of key employees may disrupt relationships with certain customers.
- We rely heavily on our executive management team and other key personnel for our successful operation, and we could be adversely affected by the unexpected loss of their services.
- Our internal controls may be ineffective.
Legal proceedings
At December 31, 2025, neither the Company nor the Bank was involved in any pending legal proceedings believed by management to be material to the Company’s financial condition or results of operations. From time to time, the Bank is involved in legal proceedings occurring in the ordinary course of business. Such routine legal proceedings, in the aggregate, are believed by management to be immaterial to the Company’s financial condition, results of operations or cash flows.
The opening of Item 3, Legal Proceedings.4
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 17SEC EDGARAngela Jett, Chief operating officer
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- 19SEC EDGARTerri Vorbrink, Secretary
- 20SEC EDGARJill R. Keinsley, Senior V.P.
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- 23SEC EDGARJohn Shireman, Board member
- 24SEC EDGARJill Saegesser, Board member
- 25SEC EDGARChris Frederick, Board member
- 26SEC EDGARLou Ann Moore, Board member
- 27SEC EDGARRobert C. Guilfoyle, Board member
- 28SEC EDGARKenneth R. Saulman, Board member
- 29SEC EDGARDana L. Huber, Board member
- 30SEC EDGARCarolyn E. Wallace, Board member
- 31SEC EDGARWilliam I. Orwick Sr., Board member
- 32SEC EDGARJames E. Nett, Board member
- 33SEC EDGARChristopher L. Byrd, Board member
- 34SEC EDGARPamela G. Kraft, Board member
- 35SEC EDGARDennis L. Huber, Board member
- 36SEC EDGARJames S. Burden, Board member
- 37SEC EDGARMichael L. Shireman, Board member
- 38SEC EDGARJames G. Pendleton, Board member
- 39SEC EDGARKathy Ernstberger, Board member
- 40SEC EDGARGerald L. Uhl, Board member
- 41SEC EDGARMark D. Shireman, Board member
- 42SEC EDGARResults of operations
- 43SEC EDGARShareholder vote
- 44SEC EDGARResults of operations
- 45SEC EDGAROther events
- 46SEC EDGARResults of operations
- 47SEC EDGARResults of operations
- 48SEC EDGAROther events
- 49SEC EDGARResults of operations
- 50SEC EDGARShareholder vote
- 51SEC EDGARResults of operations
- 52SEC EDGAROther events
- 53SEC EDGARResults of operations
- 54NasdaqNasdaq calendar
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