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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 1,281st largest bank in the nation. It was established in 2007 and as of June of 2016, it had grown to 75 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 - YTD0.52%
Return on Equity - YTD6.14%
Annual Interest Income$8.6MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$546.0MM$480.7MM
LoansQ2 2016vs Q2 2015$378.4MM$341.7MM
DepositsQ2 2016vs Q2 2015$498.1MM$436.4MM
Equity CapitalQ2 2016vs Q2 2015$46.3MM$43.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$6.0MM$5.5MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.6MM$0
Real Estate OwnedQ2 2016vs Q2 2015$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