First Capital INC: insider trades · United States · SEC (Form 4)

About First Capital INC

First Capital, Inc. (ticker: FCAP) is a U.S.-listed banking holding company quoted on the NASDAQ market in the United States. For French, Belgian, and Swiss investors, it is best understood as a regional banking small cap: a traditional deposit-and-lending franchise with local market depth, modest scale, and a business model that is generally more defensive than that of diversified money-center banks. First Capital is the parent company of First Harrison Bank, a commercial bank headquartered in Corydon, Indiana, United States. Its operating footprint is concentrated in the Midwest, with branch locations across Indiana and Kentucky. The company’s most recent annual filing indicates a network of 17 locations across those two states.([firstharrison.com](https://www.firstharrison.com/assets/files/CNc8wdUx)) The group’s history reflects a community-banking consolidation strategy rather than national expansion. The SEC filings describe a lineage that includes Harrison County Bank, later renamed First Harrison Bank, followed by acquisitions such as Hometown Bancshares in 2003 and Peoples Bancorp of Bullitt County in 2015. That history is important for understanding the company’s positioning: First Capital is built around local relationships, regional deposit gathering, and mortgage-oriented lending, not around broad product diversification or cross-border activity.([firstharrison.com](https://www.firstharrison.com/assets/files/CNc8wdUx)) Operationally, First Capital offers a conventional community-bank product set: checking and savings accounts, money market accounts, certificates of deposit, retirement savings plans, consumer lending, commercial lending, and residential mortgage loans. According to the company’s SEC disclosures, residential mortgage lending is its primary source of revenue. The bank also originates mortgage loans for sale into the secondary market, which helps manage balance-sheet capacity and interest-rate exposure. In addition, it holds mortgage-backed securities and other fixed-income assets as part of its investment portfolio.([firstharrison.com](https://www.firstharrison.com/assets/files/CNc8wdUx)) Competitively, the company occupies a niche regional position. It competes primarily with local banks and larger regional institutions in its core markets. Management states that First Harrison Bank is the leader among FDIC-insured institutions in deposit market share in Harrison County, Indiana, where its main office is located, and in Bullitt County, Kentucky, where Peoples was headquartered. That market leadership supports the quality of the deposit franchise, although the business remains geographically concentrated and therefore exposed to local economic conditions.([firstharrison.com](https://www.firstharrison.com/assets/files/CNc8wdUx)) Recent developments have been favorable on the operating front. On January 23, 2026, the company reported record annual net income of $16.4 million for 2025, compared with $11.9 million in 2024, supported by stronger net interest income and a wider net interest margin. The release also discussed branch-network costs, equipment-related expenses, and a storm-related insurance recovery on one branch during the quarter. In parallel, insider Form 4 activity continued to be filed in 2025, which is relevant for investors monitoring management and director ownership behavior.([firstharrison.com](https://www.firstharrison.com/assets/files/S3ft9Q7z))