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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 91st largest bank in the state of California. It is also the 1,340th largest bank in the nation. It was established in 2007 and as of September of 2016, it had grown to 73 employees at 5 locations. 1st Capital Bank has an A health rating.

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Health
A

Health Grade Components

Overall
FDIC Certificate #58485
Year Established2007
Employees73
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.93%
Annual Interest Income$13.0MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$523.7MM$502.3MM
LoansQ3 2016vs Q3 2015$406.2MM$380.8MM
DepositsQ3 2016vs Q3 2015$475.3MM$438.3MM
Equity CapitalQ3 2016vs Q3 2015$47.0MM$43.7MM
Loan Loss AllowanceQ3 2016vs Q3 2015$6.3MM$5.9MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$1.6MM$1.8MM
Real Estate OwnedQ3 2016vs Q3 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