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Overview / Commentary
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 1,300th largest bank in the nation. It was established in 2007 and as of March of 2017, it had grown to 78 employees at 5 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 - YTD0.57%
Return on Equity - YTD6.53%
Annual Interest Income$4.6MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$553.5MM$554.4MM
LoansQ1 2017vs Q1 2016$402.3MM$373.9MM
DepositsQ1 2017vs Q1 2016$503.4MM$507.4MM
Equity CapitalQ1 2017vs Q1 2016$48.8MM$45.4MM
Loan Loss AllowanceQ1 2017vs Q1 2016$6.2MM$5.9MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$118.00K$1.6MM
Real Estate OwnedQ1 2017vs Q1 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 Bank5 Harris Court, Building N, Suite #3Monterey, CA 93940
San Luis Obispo Branch142 Cross Street, Suite 130San Luis Obispo, CA 93401
City Center Branch150 Main St, Suite 150Salinas, CA 93901