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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
INTEREST INCOME        
Loans, including fees $ 10,411 $ 9,716 $ 30,439 $ 28,426
Taxable 2,257 1,730 6,070 5,116
Tax-exempt 684 628 1,998 1,968
Dividends 25 27 76 63
Interest bearing deposits with banks 1,281 1,123 3,461 1,706
Total interest income 14,658 13,224 42,044 37,279
INTEREST EXPENSE        
Deposits 3,702 3,688 11,095 9,597
Advances - FHLB 0 0 0 99
Borrowed funds - Bank Term Funding Program ("BTFP") 0 411 0 1,201
Total interest expense 3,702 4,099 11,095 10,897
Net interest income 10,956 9,125 30,949 26,382
Provision for credit losses 150 463 794 1,103
Net interest income after provision for credit losses 10,806 8,662 30,155 25,279
NONINTEREST INCOME        
Noninterest income, financial services 1,861 1,808 5,319 5,268
(Loss) gain on sale of securities (39) 0 (94) 32
Unrealized gain (loss) on equity securities 150 (196) 127 (270)
Gain on sale of loans 243 124 484 394
Increase in cash surrender value of life insurance 51 47 172 161
Other income 85 71 303 284
Total noninterest income 2,306 1,800 6,172 5,722
NONINTEREST EXPENSE        
Compensation and benefits 4,093 3,891 12,465 11,696
Occupancy and equipment 807 476 1,979 1,419
Data processing 1,182 1,164 3,446 3,355
Professional fees 290 334 903 896
Advertising 147 107 341 274
Other expenses 1,045 1,052 3,105 3,141
Total noninterest expense 7,564 7,024 22,239 20,781
Income before income taxes 5,548 3,438 14,088 10,220
Income tax expense 1,067 537 2,591 1,532
Net Income 4,481 2,901 11,497 8,688
Less: net income attributable to noncontrolling interest in subsidiary 3 3 9 10
Net Income Attributable to First Capital, Inc. $ 4,478 $ 2,898 $ 11,488 $ 8,678
Earnings per common share attributable to First Capital, Inc.:        
Basic (in dollars per share) $ 1.34 $ 0.87 $ 3.43 $ 2.59
Diluted (in dollars per share) 1.34 0.87 3.43 2.59
Dividends per share $ 0.31 $ 0.29 $ 0.89 $ 0.83
Service charges on deposit accounts        
NONINTEREST INCOME        
Noninterest income, financial services $ 625 $ 610 $ 1,806 $ 1,767
ATM and debit card fees        
NONINTEREST INCOME        
Noninterest income, financial services $ 1,191 $ 1,144 $ 3,374 $ 3,354