First Capital Bancorp, Inc. operates as a holding company for First Capital Bank that offers commercial banking and related financial services to small and medium-sized businesses, professionals, and individuals in Richmond, Virginia. Market Area The company’s primary market is the Richmond, Virginia metropolitan area, which includes Chesterfield County, Henrico County, Hanover County, the Town of Ashland, and the City of Richmond. All of its branches are located in the Richmond metropolitan area. Products and Services The company offers a range of deposit services that include checking accounts, NOW accounts, savings accounts, and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. In addition, it offers certain retirement account services, such as Individual Retirement Accounts (IRAs). The company also offers a range of short-to-medium term commercial and consumer loans. Commercial loans include both secured and unsecured loans for working capital (including inventory and receivables), business expansion (including acquisition of real estate and improvements), and purchase of equipment and machinery. Consumer loans include secured (and unsecured loans) for financing automobiles, home improvements, education, and personal investments. Additionally, it originates fixed and floating-rate mortgage and real estate construction and acquisition loans.