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 the only "Premier Performing Bank" based in Monterey, Santa Cruz and/or San Benito counties.