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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.


Kurt Gollnick Daniel Hightower Susan Freeland
Kurt J. Gollnick
Chairman of the Board
Chief Operating Officer
Scheid Vineyards, Inc.
Daniel R. Hightower, MD
Vice Chairman of the Board
Physician, Diagnostic &
Interventional Radiology
Community Hospital of the
Monterey Peninsula
Susan C. Freeland, JD
Broker Associate
Carmel Realty Company
Francis Giudici Steve John Henry Ruhnke
Francis Giudici
L.A. Hearne Company
Steven G. John
Chief Executive Officer
Monterey Peninsula Foundation
Henry P. Ruhnke, Jr.
Architect, Principal
Wald, Ruhnke & Dost Architects
  Greg Thelen   Warren Waylan
Gregory T. Thelen
Certified Public Accountant
Partner Thelen Chang
Nguyen & Van Ruler, LLP
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 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. 


Tom Meyer Jon Ditlevsen
Thomas E. Meyer
President and 
Chief Executive Officer
Office: 831.264.4057
Jon D. Ditlevsen
Executive Vice President and
Chief Lending Officer
Office: 831.264.4035
 Mike Winiarski  
Michael J. Winiarski
Executive Vice President and
Chief Financial Officer
Office: 831.264.4014


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 Andino
Clayton C. Larson
Regional President
Stuart M. Tripp
Regional President
Mark R. Andino
Regional President