1st Capital Bancorp Profile
1st Capital Bank provides banking services, such as deposit, cash management, and credit products to small and mid market businesses, service professionals, commercial property owners, and residents throughout the California Central Coast and Salinas Valley areas of Monterey County. The Bank also offers courier service and electronic banking. It operates two branch offices in Monterey County.
Products and Services
The Bank offers personal banking, business banking, and wealth management services.
Depository Products and Services: The Bank offers ACH transactions; account analysis; attorney/client trust accounts; checking and savings accounts; time deposit accounts; merchant services; interest checking accounts; certificates of deposit; medical and educational savings accounts; retirement accounts; cash management services; electronic bill presentment and payment; check orders for customers; customer service inquiries; overdraft protection; point of sale check conversion; statement of account; stop payment; and telephone and wire transfers.
Credit Products and Services: The Bank provides credit to its primary market of small and medium-size businesses and business service professionals. As primarily a business bank, the Bank offers commercial and industrial loans to its business clients. Its loan portfolio includes commercial real estate loans that are collateralized primarily by industrial and small office buildings in the target markets. The Bank provides construction financing with an emphasis on owner-occupied properties.
The Bank would offer loans to businesses and other service professionals; term loans to finance equipment; commercial lines of credit; overdraft lines of credit; accounts receivable and inventory financing; loans qualifying under the SBA guarantee program; commercial real estate loans; construction loans; home equity loans and lines of credit; vehicle and recreational vehicle loans; multifamily real estate loans; commercial and industrial loans; and letters of credit.
