First Capital Bancshares, Inc. is a holding company for First Capital Bank that provides commercial banking services. It offers accounts and products, including checking and savings accounts, other business accounts, individual retirement accounts, certificates of deposit, money market accounts, and student accounts, as well as noninterest-bearing demand deposits. The company also provides loans that include vehicle and boat loans, RV loans, construction loans, deposit secured loans, overdraft protection for checking accounts, home equity revolving lines of credit, home equity loans, and home improvement loans; residential mortgage loans; commercial real estate loans; commercial lines of credit; equipment loans; and agricultural loans. In addition, it offers ATM and visa check cards, safe deposit boxes, credit and debit cards, direct deposits, and after-hours night depositary services; and online and mobile banking, and bill payment services. The company was formerly known as First Federal Bancshares Corporation. First Capital Bancshares, Inc. was incorporated in 1997 and is headquartered in Charleston, South Carolina.