First Capital Inc
firstharrison.comWhat Do They Do?
Takes deposits and makes residential, commercial-property and consumer loans for individuals and businesses in its Indiana and Kentucky markets.
10-K for FY2025, filed Mar 31, 2026The Bank considers Harrison, Floyd, Clark and Washington counties in Indiana and Bullitt County in Kentucky its primary market area. All of…View ↗
General. The Bank has transformed the composition of its balance sheet from that of a traditional thrift institution to that of a…View ↗
Commercial Business Loans. Commercial business loans are generally secured by inventory, accounts receivable, and business equipment such…View ↗
Consumer and Other Loans. The Bank offers a variety of secured or guaranteed consumer loans, including automobile and truck loans, home…View ↗
The Bank’s primary business strategy is attracting deposits from the general public and using those funds to originate residential mortgage…View ↗
How Do They Make Money?
Deposit customers pay transaction and overdraft fees when those services occur, and monthly account-maintenance fees over the month; cardholders generate ATM and debit-card fees as transactions occur. The Bank also earns fees from safe-deposit boxes, investment advice and electronic payment processing.
10-K for FY2025, filed Mar 31, 2026Service Charges on Deposit Accounts: The Company earns fees from its deposit customers for transaction-based, account maintenance, and…View ↗
ATM and Debit Card Fees: The Company earns ATM usage fees and interchange fees from debit cardholder transactions conducted through a…View ↗
Other Income: Other income from contracts with customers includes safe deposit box fees, investment advisory income, and ACH origination…View ↗
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10-K for FY2025, filed Mar 31, 2026
FY2025 revenue by product or service ↗
$7.2M
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10-K for FY2025, filed Mar 31, 2026
$7.2M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Service charges on deposit accounts
|
34% |
Service charges on deposit accounts, FY2025
$2.5M Sources
|
|
|
ATM and debit card fees
Usage-based
10-K for FY2025, filed Mar 31, 2026 |
63%
FY2022: 61%
|
ATM and debit card fees, FY2025
$4.5M Sources
|
Usage-based |
|
Other
|
2.5%
FY2022: 1.4%
|
Other, FY2025
$180K Sources
|
Who Are Their Customers?
The Bank serves depositors, individual borrowers and businesses in its five-county Indiana and Kentucky market. Most loan originations are for existing customers, with walk-ins and customer referrals also bringing borrowers.
10-K for FY2025, filed Mar 31, 2026The Bank considers Harrison, Floyd, Clark and Washington counties in Indiana and Bullitt County in Kentucky its primary market area. All of…View ↗
Loan Solicitation and Processing. A majority of the Bank’s loan originations are made to existing customers. Walk-ins and customer…View ↗
Service Charges on Deposit Accounts: The Company earns fees from its deposit customers for transaction-based, account maintenance, and…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue and turned 278 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 12, 2026
Open tableView ↗
Growing. Revenue grew 11% in 4 years, from $6.4M in FY2021 to $7.2M in FY2025, about 3% a year.
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