1st Capital Bancorp is a bank holding company. The Company conducts the operations through the 1st Capital Bank (Bank). The Bank’s primary business is attracting checking, money market, savings, and certificate of deposit accounts through its branch facilities, remote branch deposit, and various electronic means, and investing such deposits and other available funds into loans, including real estate mortgages, commercial business loans, and construction loans. The Bank serves commercial enterprises, professionals, real estate investors, family business entities, and residents along the Central Coast region of California. In addition, the Bank invests in securities and utilize various sources of wholesale borrowings. The Bank also provides a range of fee-based services, including an array of treasury management services. The Bank operates full-service offices in Monterey, Salinas, King City, San Luis Obispo, and Santa Cruz County.