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Overview / Commentary
150 Main Street Suite 150
Salinas, CA 93901

1st Capital Bank is headquartered in Salinas and is the 89th largest bank in the state of California. It is also the 1,248th largest bank in the nation. It was established in 2007 and as of December of 2017, it had grown to 80 employees at 6 locations. 1st Capital Bank has an A health rating.


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Health Grade Components

FDIC Certificate #58485
Year Established2007
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.68%
Annual Interest Income$19.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$580.2MM$549.9MM
LoansQ4 2017vs Q4 2016$421.6MM$399.0MM
DepositsQ4 2017vs Q4 2016$526.1MM$500.6MM
Equity CapitalQ4 2017vs Q4 2016$52.0MM$47.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$6.4MM$6.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$255.00K$121.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0

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1st Capital Bank Locations
South Main Street Branch1097 South Main StreetSalinas, CA 93901
Tyler Street Branch300 Bonifacio PlaceMonterey, CA 93940
King City Branch432 BroadwayKing City, CA 93930
1st Capital Bank150 Main Street, Suite 150, Salinas, Monterey County, Ca 93901Salinas, CA 93901
San Luis Obispo Branch142 Cross Street, Suite 130San Luis Obispo, CA 93401