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About Us

Company Profile

1st Capital Bank is a locally owned and managed bank headquartered in Monterey, California. We provide professional banking, credit and cash management services to businesses, professionals and residents throughout the Central Coast. 1st Capital Bank is recognized by BauerFinancial Inc as a "five-star" superior rated bank and by the Findley Company as the only "Premier Performing Bank" based in Monterey, Santa Cruz and/or San Benito counties.

For more information, please contact us or visit us at one of our locations.

Mission Statement

Maximizing the client experience by delivering extraordinary professional banking through talented and knowledgeable relationship bankers, thereby increasing shareholder value.

Board of Directors

The Board of Directors of 1st Capital Bank is a group of experienced local bankers and business people with a wide range of professional backgrounds. Their deep roots within the various communities of the Central Coast 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 provide the best in community banking for our clients.


Susan Freeland  Francis Giudici  Kurt Gollnick
Susan C. Freeland J.D
Broker Associate
Carmel Realty Company
Francis Giudici
L.A. Hearne Company
Kurt Gollnick
Chief Operating Officer
Scheid Vineyards, Inc.
Chairman of the Board
 Daniel Hightower  Steve John 2  Henry Ruhnke
Daniel R. Hightower, MD
Diagnostic & Interventional Radiologist
Community Hospital
of the Monterey Peninsula
Steve John
Chief Executive Officer
Monterey Peninsula Foundation
Henry Ruhnke Jr.
Registered Architect
and Principal
Wald, Ruhnke, Dost Architects, LLP
  Greg Thelen   Warren Waylan  
Greg Thelen
Partner and
Certified Public Accountant
Thelen, Chang & Nguyen, LLP
F. Warren Wayland
Co-Founder and
Certified Public Accountant
Hayashi and Wayland


Executive Officers

The Executive Officers of 1st Capital Bank have extensive experience in community banking.  As trusted financial leaders with passion in the community banking philosophy, they continue to pursue their goal to make 1st Capital Bank the "best in class" community bank of the Central Coast. 


Andino Jon Ditlevsen
Mark R. Andino
President and 
Chief Executive Officer
Office: 831.264.4028
Cell: 831.915.6498
Jon Ditlevsen
Executive Vice President and
Chief Lending Officer
Office: 831.264.4035
Cell: 831.588.1788
Irene Shippee Mike Winiarski
H. Irene Shippee
Executive Vice President and
Chief Banking Officer
Office: 831.264.4023
Cell: 831.747.0282
Michael Winiarski
Executive Vice President and
Chief Financial Officer
Office: 831.264.4014
Cell: 831.747.0007


Regional Presidents

The Regional Presidents 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.


Clay Larson Stuart Tripp
Clay Larson
Regional President
Stuart Tripp
Regional President