Risk factors
First Capital (FCAP) risk factors
Item 1A of every First Capital Inc. 10-K on file, and what changed from one year to the next.
- FY2025 10-K risk factors
32 risks, 2 reworded since the prior year. Commercial real estate loan exposure grew to $207.1 million or 31.2% of total loans.
Filed Mar 31, 2026 - FY2024 10-K risk factors
32 risks. Credit risk from commercial and residential lending portfolios heavily dominates the risk profile. Interest rate risk from significant fixed-rate loan holdings impacts financial performance. Heavy reliance on outsourced technology vendors and information systems exposes operations to potential cyber incidents. Extensive regulation by federal and state banking authorities shapes operations and restricts capital distributions.
Filed Mar 31, 2025