1st Capital Bancorp operates as the parent company for 1st Capital Bank, which... 1st Capital Bancorp operates as the parent company for 1st Capital Bank, which delivers a comprehensive array of financial products and services. The bank caters to a diverse clientele including businesses, professionals, real estate investors, family-owned commercial entities, and individuals across California's Central Coast. Its deposit offerings encompass various account types such as checking, savings, money market, and individual retirement accounts, in addition to certificates of deposit. Clients can also readily access debit cards and order checks. On the lending side, the institution provides a broad spectrum of solutions: consumer loans, specialized financing for businesses (including the agriculture and wine industries), commercial real estate credit, personal loans tailored for entrepreneurs, and government-backed programs like those from the Small Business Administration (SBA). Beyond traditional banking, 1st Capital Bancorp invests in securities and offers modern digital banking options accessible through online, mobile, and telephone platforms. To further enhance convenience, it provides advanced remote capabilities, including check scanning, remote branch deposit, electronic bill payment, ACH origination, and wire transfer requests, alongside comprehensive cash management services. The company serves its customer base through full-service branch locations in Monterey, Salinas, King City, San Luis Obispo, and Santa Cruz. Established in 2007, the corporation maintains its headquarters in Salinas, California.
