1ST CAPITAL BANK
SALINAS, CALIFORNIA · FDIC Cert #58485
Capital & Safety Analysis
According to FDIC financial data, 1ST CAPITAL BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject 1ST CAPITAL BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
1ST CAPITAL BANK shows average financial health. While not alarming, its Health Score of 58/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
1ST CAPITAL BANK has a Bank Health Score of C (58/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
1ST CAPITAL BANK holds $1.0B in total assets and $893M in total deposits. It is located in SALINAS, CALIFORNIA (FDIC Certificate #58485).
1ST CAPITAL BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.23%, and the return on assets is 0.55%.
Yes. 1ST CAPITAL BANK is FDIC-insured (Certificate #58485). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.