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1st Capital Bancorp operates as the bank holding company for 1st Capital Bank that provides various banking products and services for businesses, professionals, real estate investors, family commercial entities, and individuals in the Central Coast region of California. It offers checking, saving, money market, savings, and certificate of deposit accounts, as well as individual retirement and health savings accounts; and other services including debit cards, check orders, and cannabis banking services. The company also provides lending services, which includes business, agriculture, and wine industry lending; commercial real estate and personal loans; and small business administration loans, and government guaranteed lending solutions. In addition, it offers electronic banking services including online services, such as personal and business online banking; and cash management services comprising ACH origination, online wire transfer, positive pay, merchant card, and remote deposit capture services. The company was founded in 2007 and is headquartered in Salinas, California.