FCAP Q2 2026: Net income +26% to $4.8M as net interest margin expands 39bp to 3.98%

Filed August 12, 2026 · Period ending June 30, 2026 · Compared to 10-Q Aug 14, 2025 · ~2 min read

Key Changes

• high

  Net income rose 26% YoY to $4.8M ($1.43/share) in Q2 2026, driven by net interest margin expansion to 3.98% (up 39bp from 3.59% in Q2 2025). Total revenue grew 4.6% YoY to $1.9M.

  MD&A: Net Income and Net Interest Margin verify on EDGAR →
• medium

  Loan portfolio shifted away from multifamily (down $12.3M in H1 2026) toward construction/land (+$9.0M), CRE (+$5.4M), home equity (+$4.7M), and commercial business (+$4.2M), reflecting active rebalancing.

  MD&A: Loan Portfolio Composition verify on EDGAR →
• medium

  Provision for credit losses increased to $425K in Q2 2026 from $306K in Q2 2025, reversing the prior year's declining trend. Allowance for credit losses rose 10.1% YoY to $10.7M (1.58% of total loans).

  MD&A: Credit Provisioning; Notes: ACL verify on EDGAR →