First Capital Bancshares, Inc. operates as the holding company for First Capital Bank that provides commercial banking services. The company accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and other business accounts. It also provides vehicle, boat, mortgage, RV, construction, and deposit secured loans; commercial real estate, construction, vehicle, and equipment loans, as well as agricultural loans; overdraft protection for checking accounts; home equity lines of credit; and commercial lines of credit.