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1st Capital Bank

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1st Capital Bank Rates & Review May 2026

Q: How many branches does 1st Capital Bank operate?

1st Capital Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, 1st Capital Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Capital Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 16, 2026

You can compare 1st Capital Bank rates to other rates in our database, including 12-month CD rates currently at 0.20%, 6-month CD rates at 5.15% and 3-month CD rates at 0.60%. Savings rates are at 0.50% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 5.61%. All these rates can be compared to 1st Capital Bank rates. MonitorBankRates evaluates the financial stability of 1st Capital Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.23%. Rates were last updated on 05/16/2026.

1st Capital Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Capital Bank? Share your experience about 1st Capital Bank by leaving a review below, or read customer reviews before you decide to use 1st Capital Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.23%

Excellent Lower than avg

1st Capital Bank

150 Main Street, Suite 150
Salinas, CA 93901

Current Rate Availability

We do not have 1st Capital Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for 1st Capital Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather 1st Capital Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 1st Capital Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name 1st Capital Bank

Bank Holding Company 1ST CAPITAL BCORP

Address 150 Main Street, Suite 150, Salinas, CA 93901 · Monterey

Website https://www.1stcapital.bank

FDIC Certificate # 58485

Established 04/16/2007

FDIC Insurance Date 04/16/2007

Domestic Offices 7

Total Branches 0

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.23%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4527%

Return on Equity (ROE) 6.1300%

Non-Performing Loans (NPL) 0.22%

Total Assets $984,277,000

Total Deposits $893,460,000

Equity Capital $82,364,000

Net Income $571,000

Headquarters Salinas

Total Offices 7

Source: FDIC | Last Updated 09/30/2024

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About 1st Capital Bank

How many branches does 1st Capital Bank operate?

1st Capital Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, 1st Capital Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Capital Bank provides members with tools to manage their accounts and build a solid financial history.

Does 1st Capital Bank offer online and mobile banking?

Most modern institutions like 1st Capital Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stcapital.bank.