First Capital is the holding company for First Harrison Bank, a community bank serving a five-county market in southern Indiana and northern Kentucky — Harrison, Floyd, Clark, and Washington counties in Indiana, and Bullitt County in Kentucky. The bank is headquartered in Corydon, Indiana, roughly 35 miles west of Louisville, and holds the top deposit market share in Harrison County and Bullitt County. First Harrison Bank operates a traditional community banking model: it takes in deposits from local individuals and businesses and lends that money back out, primarily in the form of real estate loans. The loan book is about 82% mortgage-based, with commercial real estate as the single largest category, followed by 1-4 family residential mortgages, home equity loans, and multifamily residential. The bank earns most of its revenue through net interest income — the spread between loan and investment yields and deposit funding costs. The bank is fully deposit-funded with no wholesale borrowings, and about 20% of deposits are non-interest-bearing demand accounts, providing a zero-cost funding base. About 57% of the loan portfolio carries floating or adjustable rates. The bank also originates residential mortgages for sale in the secondary market, generating fee income, though this is a secondary revenue stream. First Harrison Bank serves individuals, families, and small-to-medium-sized businesses, with most loan originations coming through existing customer relationships and referrals.