- CEO
- Michael Chris Frederick
- Full Time Employees
- 173
- Sector
- Financial Services
- Industry
- Banks - Regional
- Address
- 220 Federal Drive, NW Corydon IN United States of America 47112
- IPO Date
- Jan 4, 1999
- Business
- First Capital, Inc. operates as the bank holding company for First Harrison Bank, a federally chartered savings bank headquartered in Corydon, Indiana. Founded in 1891, it provides a comprehensive range of banking services primarily to individual and business customers in Indiana and Kentucky, United States. The company offers deposit instruments including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. Its lending products encompass residential mortgage loans, residential construction loans, commercial real estate and business loans, multi-family residential loans, and consumer loans. Consumer loan offerings include secured or guaranteed loans such as automobile, truck, home equity, home improvement, boat, and mobile home loans, as well as unsecured consumer loans and loans secured by savings deposits. Additionally, First Capital invests in mortgage-backed securities and collateralized mortgage obligations.
Recent company developments include strong financial performance with asset growth to $1.21 billion and a boost in net interest income due to an increased average yield on interest-earning assets. Deposits have also increased notably in the latest fiscal periods. The company reported record quarterly earnings as of September 2025, reflecting operational improvements and an expanding portfolio of interest-earning assets. First Capital, Inc. continues to focus on enhancing its banking services and supporting local markets through its subsidiary First Harrison Bank.
Separately, there is no indication that First Capital, Inc. (ticker: FCAP) is connected to other entities sharing similar names, such as New Zealand-based First Capital Financial Services, which was acquired by Arthur J. Gallagher & Co. in April 2025 and operates in the financial advisory sector. First Capital, Inc. remains focused on its core banking activities within the United States financial services industry.
The company is listed on NASDAQ under the ticker FCAP and maintains a regional banking focus, serving retail and commercial clients with an emphasis on mortgage and consumer lending products supported by diverse deposit offerings. It employs approximately 212 people and continues to adapt to prevailing market conditions, focusing on asset growth and credit quality enhancements.
This description comprehensively covers First Capital, Inc.'s business operations, principal products and services, geographic focus, and the latest significant financial and operational developments.