# 1ST CAPITAL BANK
SALINAS, CA · FDIC certificate 58485 · asset band $300M-1B · latest filing 2024-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $984.3M | |
| Deposits | $893.5M | |
| Loans and leases | $639.1M | |
| Total equity | $82.4M | |
| Loans / deposits | 71.07% (p30 of band) | 81.44% |
| Liquid assets / assets | 30.80% (p62 of band) | |
| Uninsured deposits / deposits | 37.54% (p84 of band) | 25.15% |
| Brokered deposits | 8.64% | |
| Wholesale funding | 8.64% (p64 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.23% (p46 of band) | 10.43% |
| Unrealized securities loss / equity | -36.93% (p14 of band) | -11.42% |
| AOCI / equity | 5.65% (p73 of band) | |
| ROA (annualized) | 0.08% (p6 of band) | 0.95% |
| Net interest margin | 3.41% (p52 of band) | 3.38% |
| Efficiency ratio | 97.81% (p95 of band) | |
| Noncurrent loans | 0.06% (p22 of band) | 0.32% |
| Net charge-offs (annualized) | 0.30% (p95 of band) | |
| Reserve coverage of noncurrent | 1041.60% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 14.28% (p17 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 97 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | uninsured deposits >50%, capital falling |  |
| 2014-09 | 1 |  | uninsured deposits >50% |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 2 | uninsured deposits >50% |  |
| 2016-06 | 1 |  | uninsured deposits >50% |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2019-03 | 1 |  | run vulnerability |
| 2019-06 | 0 |  | uninsured deposits >50% |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | run vulnerability |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | charge-offs p90 |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 6 | deposits shrinking, assets shrinking |  |
| 2023-03 | 5 | uninsured deposits leaving | uninsured deposits >50%, AOCI drag >20% of equity |
| 2023-06 | 4 |  | assets shrinking |
| 2023-09 | 4 | capital falling | deposits shrinking |
| 2023-12 | 4 |  |  |
| 2024-03 | 2 |  | uninsured deposits leaving, capital falling |
| 2024-06 | 4 | brokered >10%, wholesale funding >15% |  |
| 2024-09 | 4 | capital falling, expense ratio p90 | brokered >10%, wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-10-01 [West Coast Community Bancorp and 1st Capital Bancorp Announce Completion of Merger - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOeEtDRkIzRGdqa3M3cnFkSHRFS3VFZ2FOWENTdHJLdGtfS3ljYWZkbFU3T09QMDBvUFVLR3A1S0RscllIWG5ReHVabFk5dzNFOC1kYW9IWV8zbDFmVnpUTVBKd3Y4RU9UTDV4N29aaGwzQlZhcWFlMmpHQnJXUF9TYW1LeThtS05XNElJSEFuWWxrbnlzRGxvR3JvN09CSTZ2TUdFZUJ6SlpLSU5GY2VVR0JmdVVEekIwYWozMnozb1E2SmVRdWstTzVtNERuTXY5YThueQ?oc=5) · PR Newswire
- 2024-05-20 [Santa Cruz County Bank to merge with Salinas-based 1st Capital Bank - lookout.co](https://news.google.com/rss/articles/CBMilwFBVV95cUxOT3daOXlOR0lpck80Tmw5LUFhNGJ5MW41b05UT0hJbVFLX0E2RzY5XzlVMmIwWnFGZlA0NDNPVnByQzZYS0R6ckZpVHBqTTdUWWFSSDB5dElvdlRyM0xfTGYzUzBKem5Qc3o4MjBJWkJ2a2xoYjZtWW5obmRzWmNUTWJyMFlHT1ZrY05lM3pha1BsZHhXeFFB?oc=5) · lookout.co
- 2023-12-26 [1st Capital Bancorp Announces Joel Keller as Executive Vice President and Chief Financial Officer - GlobeNewswire](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNb2NhWnpGRnNrbGhkV2laVkh0SkZPajZ4Q2RXcWVBQWktSGhIVHNFTTMxVXhoOC1Sbm13OFZwelg0LUtVNlRaRkRBcjhhdlBzNmR6MkRiZTJCR3dzd3BrWHBXN1lPYjMzWmdWZzlkRU5KWGI5VHFtZTI3cDlYUnVibU1PcGdrMVNkQ1VoZC11ek1EWmpxT05xZDZUUktmR3k3VWotZllGMjBOUXhDZUJNT29xUlpiQW9PSkR5MkQwSHMxVGtWbWVGOFRHWWRBbHp5dko2eFNVTkhPdTZfY3JkUG8xNi1vOF9pSTR4TmdSX2VfY1FzZFp4N0xXTGlLUQ?oc=5) · GlobeNewswire
- 2024-05-21 [California community banks to merge in $63 million deal - American Banker](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPSGZtQ0tEeVNSLW5JajR5NEs5dmdXazJSTU1XQlNIRV9RSzBIS0I2SlFxRlg2ZjItWDd5UlRyWENkYUUyZGZrZFNpREd3S05YNUg0N1pZS2YwWTFxdWJ4clhyb0xiaVJ1RXFtdVN2WDVyZ0dwQ2UyakROR0xKRF9fMUE3Z1NCdWtZc2dv?oc=5) · American Banker
- 2025-04-01 [SANTA CRUZ COUNTY BANK AND 1ST CAPITAL BANK COMPLETE POST-MERGER REBRAND AS WEST COAST COMMUNITY BANK - PR Newswire](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPOTIzUG1sNzV2RW5VSDlqU1drTW9DVktsTVl3NHdBaGdMNkhzV2diOEg4LUh0X0N2TEZoeWt0WDhMamlabXUwU1ZYV1FZX2FVZkgxbVFzRmgySnpZbzhUWE8yQXFMN05yT1BIT2ZfZTdhTTIwSVRtckN1MVhWdDNOd0Z6dnFLY1YyaVNKbUR0X3VRS1RfYW9YLXVHUWVST2Z2VUxnUGQ0TFZKWEJOTGxJU284QXJMdFBrV2ZTOGtRdkZUSDZfN1pGZmxNZWVfZVpZTllxRFB4bGRTTXBVVlZFN3RHNk1wekx4aGJWdGFn?oc=5) · PR Newswire
- 2022-01-06 [New Chair and Membership Appointments Announced for the Federal Reserve Bank of San Francisco’s Community Depository Institutions Advisory Council - San Francisco Fed - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNTGxWS2pnZXdDOV92dUoyVWZoeHQ4VlE1NndOdmdsa1RyZUR2RmRRYXV1eWtNVE43UzV1b0JnY3V3SGpIRDZqcWZNdHEzZ25zWWZiaVVPQ3NkSHByS3lhcDFnM09uYU5KMWZidkxqOTk5ck1uVTdlMlJ1Z2VqOE5XTmZLcy1YUVk4emFYZ3p0NHNMR1pFbGpFUkhlY0FyQ1dFU082cUVENFVPVlM4dHdLU3ZkMzNOZ0YySThoSmVybnRTc05KZFlCRklCdHg5aWdPam5CSFVDMU5lVmJVcUdmeS1tX0ZkSEY3SXJ3?oc=5) · Federal Reserve Bank of San Francisco
- 2013-05-07 [FPPC Proposes $5,000 Conflict of Interest Penalty for Former SVMH CEO Sam Downing - Monterey County Weekly](https://news.google.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?oc=5) · Monterey County Weekly
- 2011-08-01 [Local Banking Icon Clayton C. Larson Joins 1st Capital Bank as Regional President - GlobeNewswire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOYnJoS0hGb3FtOEROT1pkeWkyZ3JkbXJKUWI3Yi12T3dfVkhjR3RqcFdVWFFsd205ME1lTTFwM0FJVnFnNlpYbDBxTDlNYlhjenNjcGRFNWhsc0Qta09ESlE4UDZxYThNbXQ4UjhnZEJ1dnNKMjl1ZTBRS0RtNG93VFl0S0NsRmlIdWRFN1JYMWFfSVprSWdjMG43NFJrSnpTaVRlZzZkX1VHWnNoSkU2T1M1TXRKTXJXbGFqSmFPUThwc0xYRjZoSlZTWFlPQUpBblVJQ04zTGJvdXZDVUZMeU5zNHgybVhiX3JR?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58485 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "58485", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide