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CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
ASSETS    
Cash and due from banks $ 20,569 $ 18,418
Interest bearing deposits with banks 91,608 87,499
Total cash and cash equivalents 112,177 105,917
Interest-bearing time deposits 2,205 2,695
Securities available for sale, at fair value (amortized cost $439,219 and $418,935, respectively) 421,627 389,243
Securities held to maturity, at amortized cost (fair value $5,332 and $4,591, respectively) 7,000 7,000
Loans held for sale 1,026 472
Loans, net of allowance for credit losses of $9,861 ($9,281 in 2024) 642,332 631,199
Federal Home Loan Bank and other stock, at cost 1,836 1,836
Premises and equipment 13,932 14,179
Accrued interest receivable 4,789 4,575
Cash value of life insurance 8,942 9,329
Goodwill 6,472 6,472
Core deposit intangible 0 86
Other assets 13,139 14,520
Total Assets 1,235,477 1,187,523
LIABILITIES    
Noninterest-bearing 213,495 197,993
Interest-bearing 881,238 868,446
Total deposits 1,094,733 1,066,439
Accrued interest payable 2,118 1,922
Accrued expenses and other liabilities 6,077 4,451
Total liabilities 1,102,928 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 3,353,910 (3,351,703 in 2024) 38 38
Additional paid-in capital 41,823 41,676
Retained earnings-substantially restricted 113,793 105,290
Unearned stock compensation (192) (135)
Accumulated other comprehensive loss (13,669) (22,990)
Less treasury stock, at cost - 456,973 shares (455,280 in 2024) (9,352) (9,280)
Total First Capital, Inc. stockholders' equity 132,441 114,599
Noncontrolling interest in subsidiary 108 112
Total equity 132,549 114,711
Total Liabilities and Equity $ 1,235,477 $ 1,187,523