First Capital, Inc. (NASDAQ: FCAP) is a financial holding company headquartered in Corydon, Indiana, established in 1891. Through its subsidiary, First Harrison Bank, it provides a comprehensive range of banking and financial services to retail and commercial customers across Indiana and Kentucky. The bank's deposit products include non-interest-bearing checking accounts, ...First Capital, Inc. (NASDAQ: FCAP) is a financial holding company headquartered in Corydon, Indiana, established in 1891. Through its subsidiary, First Harrison Bank, it provides a comprehensive range of banking and financial services to retail and commercial customers across Indiana and Kentucky. The bank's deposit products include non-interest-bearing checking accounts, negotiable order of withdrawal (NOW) accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. On the lending side, it offers residential mortgage loans, construction loans for residential and commercial properties, commercial real estate and business loans, as well as consumer loans such as automobile, home equity, home improvement, boat, and mobile home loans, along with unsecured personal loans and loans secured by savings deposits. The institution also invests in mortgage-backed securities and collateralized mortgage obligations to manage its asset portfolio. With a focus on community banking, the company emphasizes personalized service and long-term customer relationships, contributing to its stability and growth. Financially, First Capital has demonstrated consistent profitability, with a return on equity of approximately 13.4% and a net profit margin of 26.8% as of the trailing twelve months. It maintains a strong capital position with a book value per share of around $42.7 and pays a regular dividend, with a payout ratio of about 16.9%. The company's employee base of around 176 full-time staff supports its operations, which are concentrated in the regional markets it serves. Key executives include CEO Michael Chris Frederick, who leads the company's strategic direction. Future prospects are tied to regional economic conditions and interest rate movements, but the firm's long-standing history and prudent management position it well for continued community banking success.