Original filing (PDF)20251015122914NAL0009222850001

1ST CAPITAL BANK

Name: 1ST CAPITAL BANK — 1ST CAPITAL BANK 401(K) PROFIT SHARING PLAN AND TRUST, Form 5500 (2024)
Creator: 1ST CAPITAL BANK

Form 5500

FILING_RECEIVED

1ST CAPITAL BANK 401(K) PROFIT SHARING PLAN AND TRUST

401(k) retirement plan

Active participants

Accounts w/ balance

Plan assets (EOY)

$2.0M

Net assets (EOY)

$2.0M

How this plan invests

This plan

1 pooled trust

Schedule D

23 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

100

/ 100

Grade A

Top-tier plan health

Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.

Compliance & disclosures

100

Concentration risk

100

Total plan cost

100

Vendor stack

100

Participation health

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for 1ST CAPITAL BANK.

Plan sponsor

Name

1ST CAPITAL BANK

EIN

20-8231967

Address

75 RIVER ST · SANTA CRUZ, CA · 950604513

Phone

(925) 337-6069

Industry

Commercial Banking· Finance & Insurancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

001

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-15

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2S · Automatic enrollment

3D · Pre-approved plan (master / prototype / VS)

2J · 401(k) feature

2T · Default investment account (QDIA)

2K · 401(m) arrangement

Service providers (Schedule C)

3 rows

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
GLOBAL RETIREMENT PARTNERS	47-1411118	SAN RAFAEL, CA	ADVISOR	$8K	—
KESTRA ADVISORY SERVICES, LLC	74-2794194	AUSTIN, TX	ADVISOR	$1K	—

Other service providers

Name	EIN	Location	Relation	Direct comp	Indirect comp
PAYCHEX, INC.	16-1124166

Investments

23 direct securities · 1 pooled fund· $2.0M(100% of reported assets)

Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.

Other securities

$1.8M

21 holdings

Common Stock

$116K

1 holding

Common Collective Trusts

$67K

1 holding

Common Collective Trust

$623

1 holding

					% of plan
American Funds 2030 Target Date Ret Fund Class R6 Registered Investment Company	Other securities	—	—	$420K	21.1%
Vanguard 500 Index Fund Admiral Shares Registered Investment Company	Other securities	—	—	$333K	16.8%
American Funds The Bond Fund of America Class R-6 Registered Investment Company	Other securities	—	—	$188K	9.5%
American Funds 2020 Target Date Ret Fund Class R6 Registered Investment Company ** 26 American Funds 2025 Target Date Ret Fund Class R6 Registered Investment Company	Other securities	—	—	$178K	9.0%
Vanguard Growth Index Fund Admiral Shares Registered Investment Company	Other securities	—	—	$170K	8.6%
American Funds 2035 Target Date Ret Fund Class R6 Registered Investment Company	Other securities	—	—	$154K	7.7%
American Funds Mod Growth and Inc Port Class R6 Registered Investment Company	Common Stock	—	—	$116K	5.8%
American Funds 2040 Target Date Ret Fund Class R6 Registered Investment Company	Other securities	—	—	$106K	5.4%
American Funds 2055 Target Date Ret Fund Class R6 Registered Investment Company	Other securities	—	—	$96K	4.8%
Federated Capital Preservation Fund (IP) Common/Collective Trust ** $ 623 Registered Investment Companies Fidelity Select Software & IT Services Portfolio Registered Investment Company	Common Collective Trusts	—	—	$67K	3.4%
American Funds 2045 Target Date Ret Fund Class R6 Registered Investment Company	Other securities	—	—	$48K	2.4%
American Funds 2050 Target Date Ret Fund Class R6 Registered Investment Company	Other securities	—	—	$47K	2.4%
American Funds 2060 Target Date Ret Fund Class R6 Registered Investment Company	Other securities	—	—	$28K	1.4%
American Funds 2065 Target Date Ret Fund Class R6 Registered Investment Company	Other securities	—	—	$6K	0.3%
JPMorgan Large Cap Growth Fund Class R6 Registered Investment Company	Other securities	—	—	$6K	0.3%
BlackRock High Yld Portfolio Fund Inst. Shares Registered Investment Company ** 839 JPMorgan Mort-Backed Securities Fund Class R6 Registered Investment Company	Other securities	—	—	$5K	0.2%
ClearBridge Large Cap Value Fund Class I Registered Investment Company	Other securities	—	—	$4K	0.2%
Vanguard Mid Cap Index Fund Admiral Shares Registered Investment Company	Other securities	—	—	$3K	0.2%
Vanguard Sm Cap Val Idx Fund Admiral Shares Registered Investment Company	Other securities	—	—	$2K	<0.1%
Vanguard Emer Mkts Stock Idx Fund Admiral Registered Investment Company	Other securities	—	—	$2K	<0.1%
MFS International Growth Fund Class R6 Registered Investment Company ** 707 Fidelity International Index Fund Registered Investment Company	Other securities	—	—	$2K	<0.1%
JPMorgan International Equity Fund Class R6 Registered Investment Company	Other securities	—	—	$1K	<0.1%
Vanguard Small Cap Index Fund Admiral Shares Registered Investment Company	Other securities	—	—	$1K	<0.1%
FEDERATED HERMES CAPITAL PRESERVATI FEDERATED INVESTORS · EIN 22-2712853 / PN 001	Common Collective Trust	—	—	$623	<0.1%

1–24 of 24

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