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Overview / Commentary
831-264-4000
5 Harris Court, Building N, Suite #3
Monterey, CA 93940

1st Capital Bank is headquartered in Monterey and is the 90th largest bank in the state of California. It is also the 1,293rd largest bank in the nation. It was established in 2007 and as of December of 2016, it had grown to 77 employees at 5 locations. 1st Capital Bank has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #58485
Year Established2007
Employees77
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD6.65%
Annual Interest Income$17.7MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$549.9MM$514.0MM
LoansQ4 2016vs Q4 2015$399.0MM$370.8MM
DepositsQ4 2016vs Q4 2015$500.6MM$468.4MM
Equity CapitalQ4 2016vs Q4 2015$47.6MM$44.5MM
Loan Loss AllowanceQ4 2016vs Q4 2015$6.3MM$5.9MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$121.00K$1.7MM
Real Estate OwnedQ4 2016vs Q4 2015$0$0
Rates

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Locations


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 Bank5 Harris Court, Building N, Suite #3Monterey, CA 93940
San Luis Obispo Branch142 Cross Street, Suite 130San Luis Obispo, CA 93401