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First Capital, Inc.: Business Overview, Financials & Competitive Analysis

First Capital, Inc. scores 6/10 on the AskCyborg Cyborg Score (Solid). Established regional bank offering stable dividend yield and reliable mortgage origination, but limited growth prospects in a competitive, consolidating market. First Capital is a stable, profitable community bank with consistent dividend payments as of (February 2026) and steady earnings. However, as a small regional lender dependent on interest rates.

What is First Capital, Inc.'s industry? First Capital, Inc. (firstharrison.com) operates in Banking. AskCyborg classifies First Capital, Inc. under Banking in its company registry.

First Capital, Inc. is the holding company for First Harrison Bank, a chartered commercial bank that provides a variety of banking services to individuals and business customers. The bank's primary source of revenue i...

6/ 10Solid

Cyborg Score thesis

Established regional bank offering stable dividend yield and reliable mortgage origination, but limited growth prospects in a...

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Industry Banking
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 5, 2026
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What's in This Report
First Capital, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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First Capital, Inc. Overview

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First Capital, Inc. is the holding company for First Harrison Bank, a chartered commercial bank that provides a variety of banking services to individuals and business customers. The bank's primary source of revenue is real estate mortgage loans, which it originates for sale in the secondary market, while also originating consumer loans and residential construction loans for the loan portfolio.

Strategic Profile

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The bank provides retail and business banking, residential mortgage lending, real estate finance, and asset-based lending, with real estate mortgage loans as its primary revenue source. As a regional community bank headquartered in Indiana with approximately 18 branch locations, First Capital operates a traditional banking model focused on mortgages and consumer lending across its operating area.

Competitive Landscape

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First Capital competes with larger regional and national banks (Wells Fargo, JPMorgan Chase), as well as local community banks and non-bank mortgage lenders. Its competitive advantage lies in local market presence and relationship-based banking, but scale disadvantages limit pricing power and product breadth.

Industry Context

First Capital, Inc. operates in Banking.

Key facts

Founded: 1891 · Headquarters: Corydon, Indiana

What the analysts stress-tested

The top findings that survived the multi-agent debate for First Capital, Inc..

  • (January 2026) Reported net income of $16.4 million for full-year results
  • (February 2026) Declared quarterly cash dividend of $0.31 per share ($1.24 annualized)
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Recent developments

Material events tracked by the AskCyborg corpus.

  • January 2026Full-year net income of $16.4 million
  • February 2026Board declared $0.31 quarterly cash dividend per share
  • +1 moreTrack every material event for First Capital, Inc. as it happens. Explore monitoring →
Get alerted when First Capital, Inc. has a new material development →

Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Wells FargoDiversified financial services with major mortgage origination→JPMorgan ChaseLargest US bank by assets with comprehensive lending services→Community Banks (Regional Competitors)Local Indiana and regional lenders competing on relationship banking→

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Industry context

First Capital, Inc. operates in Banking. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does First Capital, Inc. do?+
First Capital, Inc. is the holding company for First Harrison Bank, a chartered commercial bank that provides a variety of banking services to individuals and business customers. The bank's primary source of revenue i...
What is First Capital, Inc.'s Cyborg Score?+
First Capital, Inc. has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are First Capital, Inc.'s main competitors?+
Named competitors include Wells Fargo, JPMorgan Chase, Community Banks (Regional Competitors). The full competitive landscape is in the AskCyborg report.
How can I get the full First Capital, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the First Capital, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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