1st Capital Bank

About Us

1st Capital Bank is a locally owned and managed bank headquartered in Monterey, California. We provide professional banking, credit and cash management services to businesses, professionals and residents throughout the Central Coast. 1st Capital Bank is recognized by BauerFinancial Inc, as a “five-star” superior rated bank and by the Findley Company as a Premier Performing Bank. 1st Capital Bank is an SBA Preferred Lender.

Mission Statement - Maximizing the client experience by delivering extraordinary professional banking through talented and knowledgeable relationship bankers, thereby increasing shareholder value.

Personal Banking - 1st Capital Bank offers a variety of checking account options designed to fit a wide range of banking needs. Whether you prefer to write checks or manage your accounts through our convenient online banking products, we want to help you chose the account that will best suite your banking needs. To get started, stop by one of our branch locations and speak with a Client Services Representative

Business Banking - At 1st Capital Bank, we believe providing concierge customer service is about providing the right combination of products and services to make banking more convenient and more efficient for your company. We offer a wide variety of business products and cash management services that allow us to tailor your relationship with us to fit your business banking needs.

Business Lending Solutions
At 1st Capital Bank, we couple concierge service with local decision-making to provide you with the support you need.