1st Capital Bank, a division of Santa Cruz County Bank, is a full-service community bank serving Monterey, San Luis Obispo, Santa Clara, and Santa Cruz counties. It offers competitive deposit and lending solutions, including business loans, credit cards, and digital banking services like ACH origination and remote deposit capture[1][2]. The bank targets local businesses and individuals, focusing on relationship-based service and problem-solving[1]. Its unique selling proposition is personalized banking with modern technology, enhancing community success[1]. In Q2 2025, it will rebrand as West Coast Community Bank[1][3].