1st Capital Bank Receives Bauer Financial 5 Star, Superior Rating

MONTEREY, CA / ACCESSWIRE / July 7, 2015 / 1st Capital Bank (PINKSHEETS: FISB) (“Bank”) has been recognized by Bauer Financial, Inc. as a 5-Star, Superior bank based on March 31, 2015 financial information. This is the highest rating assigned by Bauer Financial and ranks 1st Capital Bank as one of the nation’s strongest financial institutions. Bauer Financial has been analyzing and rating the nation’s banks and credit unions since 1983.

“We are honored to be recognized as a 5-Star, Superior rated financial institution,” stated President and Chief Executive Officer, Mark Andino. “Our first quarter 2015 financial results reflect the Bank’s continued solid, steady, and prudent growth. The ongoing dedication of our directors and employees has resulted in our attracting an increasing number of local businesses and professionals who are seeking a safe and sound community bank that is dedicated to providing a concierge level of service and customized financial solutions delivered by experienced local bankers.”

According to Bauer Financial, 5 Star rated financial institutions are recommended for business, financially sound, and operate well above their regulatory capital requirements.

About 1st Capital Bank

The Bank’s primary target markets are commercial enterprises, professionals, real estate investors, family business entities, and residents along the Central Coast Region of California. The Bank provides a wide range of credit products, including loans under various government programs such as those provided through the U.S. Small Business Administration (“SBA”) and the U.S. Department of Agriculture (“USDA”). A full suite of deposit accounts is also furnished, complemented by robust cash management services. The Bank operates full service branch offices in Monterey, Salinas, King City, and San Luis Obispo. The Bank’s corporate offices are located at 5 Harris Court, Building N, Monterey, California 93940. The Bank’s website is www.1stCapitalBank.com. The main telephone number is 831.264.4000. The primary facsimile number is 831.264.4001.

Member FDIC / Equal Opportunity Lender / SBA Preferred Lender

Forward-Looking Statements:

Certain of the statements contained herein that are not historical facts are “forward-looking statements” within the meaning of and subject to the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements may contain words or phrases including, but not limited, to: “believe,” “expect,” “anticipate,” “intend,” “estimate,” “target,” “plans,” “may increase,” “may fluctuate,” “may result in,” “are projected,” and variations of those words and similar expressions. All such forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those projected. Factors that might cause such a difference include, among other matters, changes in interest rates; economic conditions including inflation and real estate values in California and the Bank’s market areas; governmental regulation and legislation; credit quality; competition affecting the Bank’s businesses generally; the risk of natural disasters and future catastrophic events including terrorist related incidents and other factors beyond the Bank’s control; and other factors. The Bank does not undertake, and specifically disclaims any obligation, to update or revise any forward-looking statements, whether to reflect new information, future events, or otherwise, except as required by law.

This news release is available at the www.1stCapitalBank.com Internet site for no charge.

For further information, please contact:

Mark R. Andino
President and Chief Executive Officer
831.264.4028 office
831.915.6498 smartphone
Mark.Andino@1stCapitalBank.com

Michael J. Winiarski
Chief Financial Officer
831.264.4014 office
831.747.0007 smartphone
Michael.Winiarski@1stCapitalBank.com

SOURCE: 1st Capital Bank

ReleaseID: 430369