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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
INTEREST INCOME        
Loans, including fees $ 10,254 $ 9,472 $ 20,028 $ 18,710
Taxable 1,979 1,757 3,813 3,386
Tax-exempt 665 636 1,314 1,340
Dividends 25 24 51 36
Interest bearing deposits with banks 1,117 329 2,180 583
Total interest income 14,040 12,218 27,386 24,055
INTEREST EXPENSE        
Deposits 3,628 3,103 7,393 5,909
Advances - FHLB 0 51 0 99
Borrowed funds - Bank Term Funding Program ("BTFP") 0 407 0 790
Total interest expense 3,628 3,561 7,393 6,798
Net interest income 10,412 8,657 19,993 17,257
Provision for credit losses 306 360 644 640
Net interest income after provision for credit losses 10,106 8,297 19,349 16,617
NONINTEREST INCOME        
Noninterest income, financial services 1,781 1,759 3,458 3,460
(Loss) gain on sale of securities 0 0 (55) 32
Unrealized loss on equity securities (41) (6) (23) (74)
Gain on sale of loans 152 169 241 270
Increase in cash surrender value of life insurance 49 66 121 114
Other income 123 80 218 213
Total noninterest income 2,018 2,023 3,866 3,922
NONINTEREST EXPENSE        
Compensation and benefits 4,270 3,962 8,372 7,805
Occupancy and equipment 549 480 1,172 943
Data processing 1,156 1,115 2,264 2,191
Professional fees 327 303 613 562
Advertising 120 79 194 167
Other expenses 1,072 1,061 2,060 2,089
Total noninterest expense 7,494 7,000 14,675 13,757
Income before income taxes 4,630 3,320 8,540 6,782
Income tax expense 852 488 1,524 995
Net Income 3,778 2,832 7,016 5,787
Less: net income attributable to noncontrolling interest in subsidiary 3 4 6 7
Net Income Attributable to First Capital, Inc. $ 3,775 $ 2,828 $ 7,010 $ 5,780
Earnings per common share attributable to First Capital, Inc.:        
Basic (in dollars per share) $ 1.13 $ 0.85 $ 2.09 $ 1.73
Diluted (in dollars per share) 1.13 0.85 2.09 1.73
Dividends per share $ 0.29 $ 0.27 $ 0.58 $ 0.54
Service charges on deposit accounts        
NONINTEREST INCOME        
Noninterest income, financial services $ 588 $ 564 $ 1,181 $ 1,157
ATM and debit card fees        
NONINTEREST INCOME        
Noninterest income, financial services $ 1,147 $ 1,150 $ 2,183 $ 2,210