FIRST CAPITAL INC

General First Capital, Inc. is a financial holding company incorporated in Indiana on September 11, 1998. Its primary business is owning the outstanding common stock of First Harrison Bank. The company became the holding company for First Federal Bank, A Federal Savings Bank, on December 31, 1998, following a reorganization. On January 12, 2000, the company merged with HCB Bancorp, and the Bank changed its name to First Harrison Bank. General First Capital, Inc. expanded through acquisitions, including Hometown Bancshares, Inc. on March 20, 2003, and Peoples Bancorp, Inc. of Bullitt County and its subsidiary, Peoples Bank of Bullitt County, on December 4, 2015. On September 20, 2017, the Bank applied to convert from a federal savings association to an Indiana chartered commercial bank, a change that became effective on June 30, 2018. As a result, the Indiana Department of Financial Institutions (IDFI) became the Bank's primary regulator, and the Federal Deposit Insurance Corporation (FDIC) became its primary federal regulator. The Bank's deposits remain federally insured by the FDIC, and it is a member of the Federal Home Loan Bank (FHLB) System. Concurrently with the conversion, General First Capital, Inc. transitioned from a savings and loan holding company to a financial holding company.