First Capital EPS Jumps 33% in Q2

First Capital (NASDAQ:FCAP), a community bank with a sizable presence in southern Indiana and Kentucky, reported its second quarter 2025 earnings on July 25, 2025. The release detailed robust growth in profitability, including a 32.9% year-over-year jump in GAAP earnings per share to $1.13 and a 16.2% increase in revenue to $12.4 million (GAAP) compared to Q2 2024. While there were no consensus analyst estimates available for direct comparison, the quarter showed advances in both asset yields and deposit management, despite noninterest expense growth and flat noninterest income. Overall, the quarter points to solid profitability, increased efficiency, and a reinforced capital base.First Capital is a regional community bank that operates 17 locations across Indiana and Kentucky. Its operations focus on offering personal, residential, and commercial banking services in the areas it serves. With a leading deposit market share in Harrison and Bullitt counties, the bank supports both consumer and business customers, emphasizing local relationships and steady growth.In recent years, the company's strategy has shifted from traditional thrift banking to a broader commercial focus. This means larger exposure to business and commercial real estate lending, where yields can be higher but risk management becomes more important. The main success drivers for the bank are strong deposit funding, disciplined lending standards, and compliance with regulatory requirements to protect against sector and credit risks.Continue readingWeiter zum vollständigen Artikel bei MotleyFool Weiter zum vollständigen Artikel bei MotleyFool