Corydon, IN · Cert 31223 · First Capital Inc.
State charter, non-member · FDIC · 17 branches
Q2 2026
Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 2.4% share · #9 of 43 inst. · $1.1B of $48.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.08% | 1.10% | 1.19% | 1.28% | 1.35% | 1.34% | 1.42% | +23 bps | |
| Return on Equity | 11.82% | 12.03% | 11.75% | 12.62% | 13.22% | 13.72% | 12.82% | 13.47% | +84 bps | |
| Net Interest Margin | 2.90% | 2.99% | 3.16% | 3.28% | 3.31% | 3.37% | 3.59% | 3.67% | +39 bps | |
| Efficiency Ratio | 62.55% | 61.90% | 61.19% | 59.76% | 58.60% | 57.28% | 57.03% | 55.54% | -422 bps | |
| Non-Interest Burden | 1.57% | 1.60% | 1.70% | 1.70% | 1.67% | 1.64% | 1.78% | 1.75% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.29% | 2.59% | 5.05% | 6.83% | 3.89% | 7.13% | 5.74% | 3.81% | -302 bps | |
| Loan Growth (YoY) | 4.71% | 2.85% | 3.56% | 3.08% | 2.03% | 3.86% | 3.48% | 2.98% | -10 bps | |
| Deposit Growth (YoY) | 1.24% | 3.92% | 7.28% | 9.48% | 6.25% | 5.24% | 4.80% | 2.31% | -716 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.70% | 0.69% | 0.63% | 0.61% | 0.59% | 0.65% | 0.60% | 0.72% | +12 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.05% | 0.06% | 0.04% | 0.05% | 0.07% | 0.05% | -1 bps | |
| Allowance / Loans | 1.40% | 1.45% | 1.46% | 1.47% | 1.51% | 1.52% | 1.53% | 1.58% | +10 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.1x | 2.3x | 2.4x | 2.6x | 2.3x | 2.6x | 2.2x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.24% | 10.57% | 10.61% | 10.80% | 10.82% | 11.01% | 11.13% | 11.33% | +53 bps | |
| Total Risk-Based Capital | 10.24% | 10.57% | 10.61% | 10.80% | 10.82% | 11.01% | 11.13% | 11.33% | +53 bps | |
| Equity / Assets | 9.44% | 9.28% | 9.52% | 9.56% | 10.35% | 10.51% | 10.41% | 10.70% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.93% | 59.91% | 60.02% | 59.28% | 59.46% | 59.12% | 59.26% | 59.67% | +38 bps | |
| Liquid Assets / Assets | 6.53% | 8.16% | 8.21% | 9.41% | 8.08% | 9.32% | 10.57% | 10.55% | +114 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 227% | 237% | 236% | n/a | n/a | |