First Capital reports Q2 net income up 26% to $4.8M on margin expansion and loan growth

Filed July 24, 2026 · Period ending July 24, 2026 · ~1 min read

Key Changes

• high

  Q2 2026 net income rose 26% YoY to $4.8M ($1.43/share) from $3.8M ($1.13/share), driven by higher net interest margin and loan growth.

  Exhibit 99.1 view on EDGAR →
• high

  Tax-equivalent net interest margin expanded 39 basis points YoY to 3.98% in Q2 2026, reflecting higher asset yields (5.12% vs. 4.82%) and lower funding costs (1.56% vs. 1.64%).

  Exhibit 99.1 view on EDGAR →
• medium

  Net loans grew $14.0M and deposits increased $13.7M in H1 2026, indicating balanced balance-sheet expansion.

  Exhibit 99.1 view on EDGAR →