1st Capital Bank
Salinas, CA
IDRSSD: 3594797
Total Assets
$984.28M
Latest filing
Total Deposits
$893.46M
Latest filing
Net Interest Margin
3.49%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/16/2007 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 93901 |
| State and County Number | 06053 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Salinas, CA |
Operational Info
| Number of Employees | 97 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/01/2024 |
| Date of Deposit Insurance | 04/16/2007 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 58485 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $984.28M |
| Total Deposits | $893.46M |
| Total Liabilities | $901.91M |
| Total Equity Capital | $82.36M |
| Net Income | $-1,547,000 |
| Net Loans and Leases | $634.94M |
| Assets Per Employee ($Millions) | $10.15M |
| Bank Premises and Fixed Assets | $3.56M |
| Cash and Balances due from Depository Institutions | $43.12M |
| Deposits Held in Domestic Offices | $893.46M |
Key Performance Ratios
| Return on Assets (ROA) | -0.61% |
| Return on Equity (ROE) | -7.58% |
| Net Interest Margin | 3.49% |
| Efficiency Ratio | 174.95% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -1.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.368% |
| Earning Assets to total Assets | 93.48% |
Income and Expense
| Total Interest Income | $11.69M |
| Total Noninterest Income | $-2,628,000 |
| Total Interest Expense | $3.39M |
| Total Noninterest Expense | $9.93M |
| Net Interest Income | $8.30M |
| Pre-tax Net Operating Income | $-1,705,000 |
| Provision for Credit Losses | $-2,547,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.45M |
| Total Liabilities and Capital | $984.28M |
Securities
| Securities | $260.04M |
| Available-for-sale debt securities | $208.87M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $51.17M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of 1st Capital Bank?
$984.28M as of the latest filing.
How much are 1st Capital Bank's total deposits?
$893.46M in total deposits.
Where is 1st Capital Bank located?
Salinas, CA.
What is the Net Interest Margin?
3.49%.
How many domestic offices does it operate?
7.
When was it established?
04/16/2007.
What is the Return on Assets (ROA)?
-0.61%.
How much are total loans and leases?
$634.94M (latest filing).
What is the total interest income (latest filing)?
$11.69M.