Company Profile

1st Capital Bank is a locally owned and managed community bank headquartered in Monterey County. We provide professional banking, including credit and cash management services to businesses, professionals and residents throughout California’s Central Coast.

Vision Statement

1st Capital Bank's vision is to invest in long-term relationships that enhance the financial health and well-being of our communities.

Mission Statement

1st Capital Bank’s mission is to contribute to the growth and prosperity of our communities. Through the competence, integrity, and community leadership of our professional bankers, this mission will be achieved by:

  • Delivering relevant products and services that meet the changing and growing needs of our customers,
  • Providing for the safety and security of the funds we have been entrusted to protect,
  • Continually demonstrating that we are an important force, contributing to the economic vitality and general
    wellbeing of our communities,
  • Promoting the enrichment and growth of our entire employee base, and
  • Earning a satisfactory return for our shareholders.

The success of 1st Capital Bank is therefore completely dependent on maintaining long-term profitable relationships which are mutually beneficial to our customers, our employees, our shareholders, and our entire communities.

Board of Directors

The Board of Directors of 1st Capital Bank is a group of experienced local business people with a wide range of professional backgrounds. Their deep roots within their communities and their passion to create a locally managed community bank resulted in the formation of 1st Capital Bank. Their dedication and commitment continues in their quest to make 1st Capital Bank the premier community bank for California’s Central Coast.

Kurt Gollnick

Kurt J. Gollnick

Chairman of the Board
Chief Operating Officer
Scheid Vineyards, Inc.

Daniel Hightower

Daniel R. Hightower, MD

Vice Chairman of the Board
Diagnostic & Interventional Radiology 
Community Hospital of the Monterey Peninsula

Jigisha Desai

Jigisha Desai

SVP, Chief Financial Officer
Granite Construction

Susan Freeland

Susan C. Freeland, JD

Broker Associate
Carmel Realty Company

Francis Giudici

Francis Giudici

L.A. Hearne Company

Henry Ruhnke

Henry P. Ruhnke, Jr.

Architect, Principal
Wald, Ruhnke & Dost Architect

Gregory Thelen

Gregory T. Thelen

Certified Public Accountant

F. Warren Wayland

F. Warren Wayland

Co-Founder and Certified Public Accountant
Hayashi Wayland

Executive Officers

The Executive Officers of 1st Capital Bank have extensive experience in community banking. As trusted financial leaders who have a passion for community banking, they are focused on delivering a “best in class” financial institution to our customers, shareholders, and local communities.

Sam Jimenez

Samuel D. Jimenez

Chief Executive Officer

Jon Ditlevsen

Jon D. Ditlevsen


Dale Diederick

Dale R. Diederick

Executive Vice President and
Chief Credit Officer

Stuart Tripp

Stuart M. Tripp

Executive Vice President and
Chief Lending Officer

Vida Villanueva

Vida Villanueva

Executive Vice President and
Chief Operating Officer

Michael Winiarski

Michael J. Winiarski

Executive Vice President and
Chief Financial Officer

Directors of Client Relations

Directors of Client Relations of 1st Capital Bank are veteran bankers who share an extensive knowledge of their market area and a strong commitment to providing customized solutions for their clients.

Vern Horton

Vern Horton

Director of Client Relations

Clay Larson

Clay Larson

Director of Client Relations



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