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First Capital FCAP Provision for Credit Losses

Provision for Credit Losses at other companies

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Other financials

Income statement

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Revenue$13.5M+17.8%
Operating income$5.5M+61.4%
Net income$4.3M+33.8%
EPS (diluted)$1.30+34.0%

Balance sheet

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Cash & equivalents$149.6M+475%
Total debt$23.0K
Total equity$138.0M+15.0%
Total assets$1.3B+5.7%

Cash flow

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Operating cash flow$6.3M+44.5%
CapEx$489.0K+122%
Free cash flow$5.9M+40.4%

Valuation

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Market cap$216.42M+62.9%
P/E12.4×+2.3×
P/S4.1×+1.2×

Profitability

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Operating margin40.9%+5.2pp
Net margin33.2%+5.6pp
FCF margin41.1%-1.2pp

Returns & leverage

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Return on equity13.5%+2.7pp
Debt / equity

Where this comes from

Reported directly by First Capital in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

The official record: First Capital’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Capital's provision for credit losses?
First Capital (FCAP) reported provision for credit losses of $350K in Q1 2026.
How has First Capital's provision for credit losses changed year-over-year?
First Capital's provision for credit losses increased by 3.6% year-over-year, from $338K to $350K.
What is the long-term trend for First Capital's provision for credit losses?
Over 3 years (2022 to 2025), First Capital's provision for credit losses has grown at a 6.4% compound annual growth rate (CAGR), from $950K to $1.14M.
What does provision for credit losses mean?
This represents the provision for credit losses or the reversal of previously recorded provisions related to the bank's loan and lease portfolio. It reflects management's assessment of the credit quality of the loan book and the adequacy of the allowance for credit losses. A reversal indicates an improvement in expected credit performance or a reduction in portfolio risk.