1st Capital Bancorp operates as a bank holding company. Its target markets are commercial enterprises, professionals, real estate investors, family business entities, and residents along the Central Coast region of California. The firm provides a wide range of credit products, including loans under various government programs such as those provided through the U.S. small business administration and the U.S. department of agriculture. The company was founded in 2006 and is headquartered in Salinas, CA.