Company Profile

1st Capital Bank is a division of Santa Cruz County Bank, headquartered in Santa Cruz, California. The Bank is a top-rated, full-service community bank serving Monterey, San Luis Obispo, Santa Clara and Santa Cruz counties. As a result of our merger, our locations have expanded. We combine financial resources with expert solutions, so local businesses succeed and our communities thrive.

Delivery of relationship-based service with a problem-solving focus sets us apart from the competition. We offer direct access to decision-makers, combined with modern banking technologies and digital access.

As a full-service bank, we offer competitive deposit and lending solutions for businesses and individuals, including business loans, lines of credit, commercial real estate financing, asset-based lending, construction lending, agricultural loans, SBA and USDA government guaranteed loans, credit cards, merchant services, remote deposit capture, mobile and online banking, bill payment and treasury management.

In the second quarter of 2025, we will operate under a new bank name, West Coast Community Bank, which will represent the breadth of the communities we serve throughout the Central Coast.

Santa Cruz County Bank is the wholly owned subsidiary of West Coast Community Bancorp, a bank holding company. West Coast Community Bancorp stock is publicly traded on the OTCQX U.S. Premier Market under the symbol SCZC. For more information visit Investor Relations.