First Capital, Inc. · NASDAQ:FCAP

First Capital — Merger or Acquisition (November 2026)

6 slides from First Capital's merger presentation, Nov 5, 2026

  1. Slide 1: First Capital, Inc. Announcing the acquisition of First Bancorp of Indiana, Inc.

    1 First Capital, Inc. NOVEMBER 5, 2026 Announcing the acquisition of First Bancorp of Indiana, Inc.

  2. Slide 2: Forward-Looking Statements

    2 Forward - Looking Statements This presentation contains certain “forward - looking statements” within the meaning of the safe harbor provisions of the United S tates Private Securities Litigation Reform Act of 1995. Forward - looking statements may be identified by the use of words such as “antici

  3. Slide 3: First Bancorp of Indiana - Company Overview

    3 (1) Consolidated financial highlights as of September 30, 2026 (2) Deposit data as of June 30, 2026 per FDIC’s summary of deposits Source: S&P Capital IQ Pro First Bancorp of Indiana - Company Overview Daviess, IN Warrick, IN Pike, IN Posey, IN Henderson, KY FBPI Branch (10) First Bancorp of India

  4. Slide 4: Pro Forma Overview

    4 Non - interest Bearing 15.8% IB, MMDA & Savings 59.3% Retail CDs 11.5% Jumbo CDs 13.3% 1 - 4 Family 30.2% CRE & Multi - family 33.2% C&D 8.8% Home Equity 8.4% C&I 12.3% Farm & Ag. 1.4% Consumer & Other 5.5% 6.32% Yield on Loans (1) Pro forma financials and impacts are estimated at close and includ

  5. Slide 5: Transaction Highlights

    5 Financially Attractive • TBVPS earnback of 1.4 years • ~33% fully - phased EPS accretion • ~13% pro forma ownership for FBPI shareholders • Though not modeled, the transaction provides additional opportunities to restructure the FBPI balance sheet after closing, potentially including the sale of F

  6. Slide 6: Transaction Summary

    6 Transaction Summary (1) Based on 1,714,600 FBPI shares outstanding, inclusive of 2,542 of outstanding RSUs and 90,000 shares owned by FCAP (2) Based on FCAP’s 20 - day volume - weighted average closing price per share of $63.05 on November 4, 2026 (3) Valuation multiples shown on an aggregate basi

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