First Capital, Inc. FCAP

Company Overview

First Capital, Inc. (NASDAQ: FCAP) is a U.S. bank holding company headquartered in Corydon, Indiana, and is the parent company of First Harrison Bank, a community-focused financial institution serving retail and commercial customers primarily in southern Indiana and the Louisville, Kentucky metropolitan area. The company operates within the regional banking and financial services industry, providing traditional banking products such as residential mortgage lending, commercial real estate lending, consumer loans, deposit products, and treasury-related services. Its primary revenue drivers are net interest income generated from lending activities and income derived from banking service fees.

The company traces its origins to 1891 through the establishment of First Federal Savings Bank in Indiana and later reorganized into a mutual holding structure before becoming a publicly traded stock holding company. Over time, FCAP evolved from a traditional thrift institution into a diversified community banking organization with expanded commercial lending and broader retail banking capabilities. The company’s competitive positioning is tied to its long-standing local market presence, relationship-based banking model, conservative underwriting practices, and concentration in growing regional markets near Louisville and southern Indiana communities.