FCAP First Capital, Inc.

Margins & Returns

First Capital, Inc. (FCAP) functions as the parent holding company for First Harrison Bank, delivering a comprehensive range of financial services to both individual consumers and corporate entities. The institution provides a diverse selection of deposit accounts, including standard checking (non-interest-bearing), interest-bearing checking (NOW accounts), money market accounts, conventional savings options, certificates of deposit, and specialized retirement savings programs. In its lending operations, First Capital extends various real estate mortgage offerings such as fixed-rate and adjustable-rate home loans, construction financing for both residential and commercial projects, and commercial property loans. It also supplies direct financing solutions for commercial businesses. Additionally, the company originates mortgage loans for subsequent sale in the secondary market and offers a variety of non-deposit investment opportunities. For individual borrowers, the bank provides a broad spectrum of secured and guaranteed consumer loans, covering everything from vehicle purchases (automobiles and trucks), home equity lines, and property improvement loans, to boat and mobile home financing, and loans collateralized by savings deposits. Unsecured personal loans are also available. Customers can access these products and services through a network of eighteen branches spread across Indiana and Kentucky. First Capital, Inc., established in 1891, has its corporate headquarters in Corydon, Indiana.