1st Capital Bank

About Us

Founded by a group of local business owners in 2007, 1st Capital Bank is entering into our 15-year anniversary serving business owners, operators and professionals on the Central Coast. The guiding principal of the founders was to create a true community-based bank, providing credit, deposit and cash management needs to local area businesses.

We believe “People Bank with People.” Although we offer the same financial services as any other bank, our clients continue to bank and refer business to us because of our people. We take great pride in our relationship banking approach, which allows us to be proactive and responsive to our clients’ needs. Please visit us at our Santa Cruz offices located at 3110 Mission Drive. We look forward to meeting with you. Member FDIC | Equal Opportunity Lender | SBA Preferred Lender