Velarion · Company Intelligence
Compensation Brief
Fiscal year 2025 · Filings through 2026-05-22

First Capital (FCAP)

Fiscal year 2025 executive and director compensation, incentive-plan design, equity activity, and governance — every figure in this brief is traceable to its exact location in the company’s SEC filing — the document, the section, the page, and the table, linked directly.

$393,421
Michael Frederick total, FY2025
CEO pay percentile vs peers
CEO-to-median pay ratio
92.41%
Say-on-pay support, latest vote
Companies that benchmark against FCAP
No companies currently name FCAP as a compensation peer in their most recent disclosure.

This is the complete answer, not a partial one — the list is never padded.

01

Summary Compensation Table — fiscal year 2025

Named executive officerSalaryBonusStock awardsOption awardsNon-equity incentivePension / NQDCAll otherTotal
Michael Frederick$293,810$15,240$42,344$42,027$393,421
President, Chief Executive Officer
Joshua Stevens215,62715,24035,87527,420294,162
Chief Financial Officer
Joseph Mahuron151,56415,24028,11342,208237,125
Chief Credit Officer

A dash means the company reported no figure in that column; 0 means it reported zero. Figures are as printed in the filing, without adjustment.

Three-year trend — total compensation per named executive

Named executive officerFY2025 totalFY2024 totalFY2023 totalΔ FY20242025
Michael Frederick$393,421
Joshua Stevens294,162
Joseph Mahuron237,125

Prior-year totals as disclosed in the corresponding proxy; deltas are computed values with the derivation shown in the register.

02

Equity transactions since the proxy statement was filed

No insider equity transactions reported since the proxy statement.

04

Outstanding equity awards at fiscal year-end 2025

ExecutiveAwardShares unvestedExercise priceMarket value unvested
Joseph MahuronRSU540$31,968
Michael FrederickRSU54031,968
Joshua StevensRSU54031,968
05

Incentive-plan design — the Compensation Discussion & Analysis

Executive compensation should be structured in a way that aligns with long-term shareholder value.

CEO STI target (% of salary)
CEO LTI target (% of salary)
Independent consultant
Clawback policytrue
Anti-hedging
Anti-pledgingtrue
06

Say-on-pay — recent advisory votes

Meeting yearMeeting dateForAgainstAbstainSupportOutcome
20262026-05-181,470,396120,76441,84992.41%Passed
20252025-05-211,064,486120,13253,94589.86%Passed
20242024-05-221,226,01968,63878,58394.7%Passed
20232023-05-241,236,340194,13060,20386.43%Passed
20222022-05-251,257,131148,73230,01089.42%Passed
20212021-05-261,529,23690,78847,64494.4%Passed

Rows are labeled by annual-meeting year, with the meeting date beside each; the vote held in a given year acts on the prior fiscal year's compensation.

Say-on-pay — history, company's computation

Meeting yearMeeting dateApproval — company's computation
20262026-05-1892.41%a
20252025-05-2189.86%b
20242024-05-2294.7%c

a. Voting standard not stated in the filing.

b. Voting standard not stated in the filing.

c. Voting standard not stated in the filing.

Approval percentages are the company's own reported computations under its own stated standard, not recomputed by Velarion. Where a company does not state a standard, none is assumed.

07

CEO pay ratio

Ratio (CEO : median employee)
CEO total compensation
Median employee compensation
08

Director compensation — fiscal year 2025

DirectorCash feesStock awardsOption awardsNon-equity incentiveAll otherTotal
Mark D. ShiremanIndependent · Nominating$20,299$2,843$3,686$37,327
Christopher L. ByrdIndependent · Executive · Audit · Nominating20,2992,8433,68626,828
Kathryn W. ErnstbergerIndependent · Executive (Chair) · Compensation · Nominating20,2992,8433,68626,828
Dana L. HuberIndependent · Compensation20,2992,8433,68626,828
William W. HarrodIndependent · Executive20,2992,8433,68626,828
Carolyn E. WallaceIndependent · Executive · Audit (Chair)20,2992,8433,68626,828
Jill S. SaegesserIndependent · Executive · Compensation (Chair) · Nominating20,2992,8433,68626,828
Lou Ann MooreIndependent · Compensation20,2992,8433,68626,828
John M. ShiremanIndependent · Compensation20,2992,8433,68626,828
Robert C. GuilfoyleIndependent · Audit20,2992,8433,68626,828
Pamela G. KraftIndependent · Executive · Audit · Nominating (Chair) · Nominating/Governance (Chair)20,2992,8433,68626,828
William I. Orwick SrIndependent · Audit20,2992,8433,68626,828
Michael C. FrederickEmployee director · Executive0
09

Board fee structure and ownership guideline

Annual cash retainer$21,180
Annual equity retainer$2,843
Per board meeting fee
Committee chair fees (audit / comp / nom-gov)
Stock ownership guideline
09b

Total cost of the board

ComponentFY2025
Cash retainers and fees$243,588
Equity awards (grant-date value)$34,116
All other compensation$44,232
Total cost of the board$321,936

Computed as the sum of the director compensation table rows above; inputs and formula shown in the register.

10b

Chief executive pay against the peer group

Most recent fiscal-year chief executive compensation at each disclosed peer, taken from that company's own proxy statement.

RankCompanyFYChief executiveSalaryStock awardsOption awardsNon-equity incentiveTotal
1First Capital2025Michael Frederick$293,810$15,240$42,344$393,421

Each peer's compensation is from its most recently filed proxy; fiscal years differ by company. Each peer's figures come from its own filings; the subject company is highlighted. Peers whose chief executive compensation is outside our coverage universe are stated as such, never left blank.

11

Source register

Each figure's location is given both for the eye (section · page · table · row · column) and for a script (table/row/column index and exact character span in the filed document). Any figure can be independently confirmed against the source.

#SupportsDocumentFiledAccessionLocation in document
1Section 01, Michael FrederickDEF 14A2026-04-080001104659-26-040934Section “Executive Compensation”. As printed: 393,421. Filing ↗
2Section 01, Joshua StevensDEF 14A2026-04-080001104659-26-040934Section “Executive Compensation”. As printed: 294,162. Filing ↗
3Section 01, Joseph MahuronDEF 14A2026-04-080001104659-26-040934Section “Executive Compensation”. As printed: 237,125. Filing ↗
4Section 07, pay ratio10-K2026-03-310001104659-26-037802Section “CEO Pay Ratio”. As printed: —. Filing ↗
5Section 08, Mark D. ShiremanDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 37,327. Filing ↗machine: span 105961–105967
6Section 08, Christopher L. ByrdDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 26,828. Filing ↗machine: span 90245–90251
7Section 08, Kathryn W. ErnstbergerDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 26,828. Filing ↗machine: span 92000–92006
8Section 08, Dana L. HuberDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 26,828. Filing ↗machine: span 97237–97243
9Section 08, William W. HarrodDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 26,828. Filing ↗machine: span 95491–95497
10Section 08, Carolyn E. WallaceDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 26,828. Filing ↗machine: span 109450–109456
11Section 08, Jill S. SaegesserDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 26,828. Filing ↗machine: span 104218–104224
12Section 08, Lou Ann MooreDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 26,828. Filing ↗machine: span 100720–100726
13Section 08, John M. ShiremanDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 26,828. Filing ↗machine: span 107710–107716
14Section 08, Robert C. GuilfoyleDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 26,828. Filing ↗machine: span 93752–93758
15Section 08, Pamela G. KraftDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 26,828. Filing ↗machine: span 98974–98980
16Section 08, William I. Orwick SrDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 26,828. Filing ↗
17Section 08, Michael C. FrederickDEF 14A2026-04-080001104659-26-040934Section “Director Compensation”. As printed: 0. Filing ↗
18Section 06, 2026 voteForm 8-K2026-05-220001104659-26-065684Item 5.07 · say-on-pay result. As reported: 92.41% (votes for as printed: 1,470,396). Filing ↗
19Section 06, 2025 voteForm 8-K2025-05-280001104659-25-053555Item 5.07 · say-on-pay result. As reported: 89.86% (votes for as printed: 1,064,486). Filing ↗
20Section 06, 2024 voteForm 8-K2024-05-290001104659-24-066139Item 5.07 · say-on-pay result. As reported: 94.7% (votes for as printed: 1,226,019). Filing ↗
21Section 09b board cost (computed)ComputedcomputedCash 243,588 + equity 34,116 + all other 44,232 = 321,936, summed across the director compensation table rows.machine: formula: Σ = 321,936
22First Capital (subject), Section 10b CEO totalDEF 14A2026-04-080001104659-26-040934CEO total compensation as printed in First Capital's own proxy. As printed: 393,421. Filing ↗