First Capital Bancshares, Inc. (FCPB)

First Capital Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	62.77	59.7	48.78	35.35	16.92	10.5
Interest Income on Investments	5.36	5.36	4.48	4.21	2.08	0.66
Total Interest Income	68.12	65.06	53.26	39.55	19	11.16
Interest Paid on Deposits	27.72	27.72	25.23	16.47	3.88	1.9
Interest Paid on Borrowings	5.16	4.05	3.16	2.96	0.82	0.22
Total Interest Expense	32.88	31.76	28.39	19.43	4.69	2.11
Net Interest Income	35.24	33.3	24.87	20.12	14.31	9.04
Net Interest Income Growth (YoY)	29.40%	33.89%	23.59%	40.64%	58.20%	37.55%
Gain (Loss) on Sale of Assets	0.99	0.99	-0.01	-	-	-
Gain (Loss) on Sale of Investments	0.25	0.25	0.03	0.04	-0.02	0.25
Other Non-Interest Income	2.26	1.82	1.33	0.78	0.41	0.34
Total Non-Interest Income	3.56	3.12	1.39	0.87	0.44	0.62
Non-Interest Income Growth (YoY)	132.93%	123.82%	59.86%	99.77%	-30.15%	-41.99%
Revenues Before Loan Losses	38.8	36.41	26.26	20.99	14.74	9.67
Provision for Loan Losses	2.22	2.29	1.9	1.4	0.97	0.78
Revenue	36.57	34.12	24.36	19.59	13.78	8.89
Revenue Growth (YoY)	37.77%	40.07%	24.34%	42.20%	55.02%	33.23%
Salaries and Employee Benefits	13.54	13.54	10.76	8.82	6.15	4.48
Federal Deposit Insurance	0.87	0.87	0.91	0.53	0.26	0.18
Selling, General & Administrative	4.65	4.65	3.94	3.42	2.54	2.11
Other Non-Interest Expense	3.77	2.9	2.15	1.98	1.28	1.12
Total Non-Interest Expense	22.83	21.96	17.76	14.76	10.23	7.89
EBT Excluding Unusual Items	13.74	12.16	6.6	4.84	3.55	1
Pretax Income	13.74	12.16	6.6	4.84	3.55	1
Income Tax Expense	2.93	2.59	1.57	1.03	0.85	0.24
Net Income	10.81	9.57	5.03	3.8	2.7	0.75
Net Income to Common	10.81	9.57	5.03	3.8	2.7	0.75
Net Income Growth	81.66%	90.09%	32.32%	40.98%	258.88%	-21.21%
Basic Shares Outstanding	10	10	9	8	6	5
Diluted Shares Outstanding	10	10	9	8	6	5
Shares Change (YoY)	7.16%	9.58%	15.99%	39.55%	13.36%	0.04%
EPS (Basic)	1.06	0.96	0.55	0.48	0.48	0.15
EPS (Diluted)	1.04	0.94	0.54	0.47	0.47	0.15
EPS Growth	70.17%	74.07%	14.89%	-	217.98%	-21.24%
Effective Tax Rate	21.34%	21.33%	23.80%	21.35%	23.99%	24.47%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.