First Capital Bank

First Capital Bank is a state-chartered community bank in the Carolinas offering personal and commercial deposit accounts, lending products, and digital banking services to individual consumers and small-to-medium businesses through branch and online channels.

Company typePublic
Founded2006
HeadquartersCharleston, United States
Headcount51–100
GTM typeB2B and B2C
OfferingServices

What First Capital Bank does

First Capital Bank is a state-chartered community bank headquartered in the Carolinas region (North Carolina and South Carolina), operating as a wholly owned subsidiary of publicly traded holding company First Capital Bancshares, Inc., which trades on OTC Pink under the symbol FCPB. Founded in 2006, the bank delivers traditional personal and commercial banking services to individual consumers and small-to-medium businesses, including deposit accounts (personal and business checking, savings, CDs, IRAs), lending products (vehicle loans, mortgage loans, home equity lines of credit, business loans and lines of credit, commercial real estate financing), and ancillary banking services (merchant card services, remote deposit capture, business debit/credit cards). The institution also does business regionally as "FCB Carolinas" and serves customers through FDIC-insured deposit relationships.

The bank's technology and distribution stack rests on physical branch locations across the Carolinas combined with a self-service digital banking platform. The digital layer includes separate personal and business online banking portals, a mobile banking application, integrated Zelle peer-to-peer payments, electronic bill pay, remote deposit capture for business customers, and merchant card payment processing. Online banking access uses a token-based authentication flow and is hosted on a third-party platform. Customer acquisition is driven by community-level relationship banking, supported by digital marketing on its corporate website, Facebook, and LinkedIn. The bank holds an Investor Relations page indicating public-company disclosure cadence.

First Capital Bank's business model is grounded in traditional community bank economics: gathering deposits to fund lending operations, with net interest income as the primary revenue stream supplemented by transaction-based fee income from account services, merchant card processing, and debit/credit card interchange. Pricing for personal and business deposit accounts follows tiered monthly subscription models (Basic Checking, Freedom Checking, Classic Checking, Premier Checking; Small Business Checking, Business NOW, Tiered Business Money Market), while lending products are priced based on creditworthiness and prevailing market rates. The bank's most recent disclosed operating milestone was a record quarterly net income of $4.5 million for Q3 2025, up 55% from $2.9 million in the prior-year period, driven by higher interest income, reduced credit loss provisions, and increased noninterest income.

First Capital Bank firmographics

Firmographics

Name: First Capital Bank
Legal name: First Capital Bancshares, Inc.
Website: https://fcbcarolinas.com
Company type: Public
Founded year: 2006
Operating status: Operating
Headcount range: 51–100 employees
Short description: First Capital Bank is a state-chartered community bank in the Carolinas offering personal and commercial deposit accounts, lending products, and digital banking services to individual consumers and small-to-medium businesses through branch and online channels.
Ownership category
akta.pro rank

First Capital Bank industry classification

Industry

Product category: Community Banking
NAICS: Commercial Banking (522110), Depository Credit Intermediation (5221)
SIC: State Commercial Banks (6022)
akta.pro primary industry: Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
akta.pro secondary industry: Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

Retail banking services
Commercial lending
Community banking
Deposit accounts
Business banking services

Where First Capital Bank is headquartered

Location

Headquarters

HQ city: Charleston
HQ country: United States
HQ region: North America

Offices1 record

Markets served

First Capital Bank business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

Interest Income: Primary revenue from interest earned on loans including personal loans, vehicle loans, mortgage loans, home equity lines of credit, business loans, and commercial real estate financing
Non-Interest Income: Fee-based income from account services, merchant card processing, debit/credit card transactions, and other banking service charges
Deposit-Taking: Traditional deposit gathering through checking, savings, money market, CD, and IRA accounts to fund lending operations

Pricing tiers

Model	Billing	Price
Subscription	Monthly	Personal Checking Accounts
Subscription	Monthly	Business Checking Accounts
Other	Monthly	Loan Products

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

First Capital Bank product offering

Product offering

Core offering

First Capital Bank is a state-chartered community bank operating in the Carolinas that provides personal and commercial banking services. Its core offerings include deposit products (checking, savings, CDs, IRAs), consumer lending (vehicle, mortgage, home equity lines of credit), commercial lending (business loans, lines of credit, commercial real estate), and merchant services (card processing, remote deposit capture), supported by online and mobile banking channels.

Product overview

First Capital Bank operates as a traditional community bank offering a unified banking platform with personal and commercial banking products. The product portfolio centers on deposit accounts (checking and savings products across Personal and Business lines), lending services (personal loans, mortgages, vehicle loans, home equity, and commercial loans), and digital banking channels (online and mobile banking with bill pay and Zelle). The bank also provides specialized commercial services including merchant card processing and remote deposit capture. The offering is structured as a single integrated banking platform rather than modular add-ons, with all products accessible through unified digital channels and branch locations.

Differentiator

Problem solved

Functional benefit

Products and services

Personal Checking Accounts Tiered personal checking account products (Basic, Freedom, Classic, Premier) for individual banking customers with varying fee structures and features.
Personal Savings Savings account products for personal banking customers to deposit and grow funds with competitive interest rates.
Certificates of Deposit and IRAs CDs and IRA products offering fixed-term savings with guaranteed returns for individual retirement and savings planning.
Vehicle Loans Auto financing products for personal vehicle purchases.
Mortgage Loans Home mortgage financing products for residential property purchases and refinances.
Home Equity Line of Credit Revolving credit line secured by home equity, allowing homeowners to borrow funds for renovations or debt consolidation.
Personal Debit/Credit Cards Personal debit and credit card products for everyday purchases and cash access.
Online Banking Platform Internet banking platform enabling personal and business customers to manage accounts, transfer funds, pay bills, and conduct transactions digitally via web browser.
Mobile Banking App Smartphone and tablet banking application enabling customers to access accounts, conduct transactions, and use Zelle payments on mobile devices.
Business Checking Accounts Business checking account products including Small Business Checking, Business NOW Checking Account, and Tiered Business Money Market Checking for commercial deposit customers.
Business Savings Accounts Business savings accounts including Tiered Business Money Market Checking and Business Savings Account for commercial depositors.
Business Loans and Lines of Credit Commercial lending products providing term loans and revolving credit facilities for business growth and operational needs.
Commercial Real Estate Loans Financing solutions for commercial property acquisition, development, and refinancing.
Merchant Card Services Payment processing services for businesses to accept debit and credit card transactions from customers.

Quantifiable outcome

Record quarterly earnings of $4.5 million in Q3 2025, up 55% from $2.9 million year-over-year
+1 more outcomes

Companies that use First Capital Bank

Customer profile

Segments2 records

Ideal customer profiles2 records

First Capital Bank technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature5 records

First Capital Bank partnerships and signals

Strategic signal

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

First Capital Bank competitors and assessment

Company assessment

Market position

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

First Capital Bank financial estimates

Financial estimate

Revenue estimate

Valuation estimate

First Capital Bank leadership team

Management profile

Number of profiles

Profiles3 records

First Capital Bank funding detail

Funding detail

Funding overview

Funding rounds3 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

First Capital Bank M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Capital Bank

What does First Capital Bank do?

Is First Capital Bank a public or private company?

First Capital Bank is a public company. It is classified as public and is currently operating.

When was First Capital Bank founded?

First Capital Bank was founded in 2006. It employs 51 to 100 people.

Where is First Capital Bank based?

First Capital Bank is headquartered in Charleston, United States, in the North America region.

How does First Capital Bank make money?

Three revenue lines are on record. Interest Income is the primary driver. The others are non-Interest Income and deposit-Taking.

Does First Capital Bank have an API?

No public API is recorded for First Capital Bank.

What industry is First Capital Bank in?

First Capital Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 522110 and its SIC code is 6022.