The First Capital Bank of Kentucky opened for business on February 12, 1996 in Louisville, Kentucky and is a closely held bank that began with $10 million dollars in capital that was raised through a stock offering of one million shares. In the spring of 1998 an additional 765,000 shares were offered at $15.00 per share to provide more capital.

The bank is locally-owned and was established to offer customers an alternative to large, impersonal banks with out-of-town ownership. First Capital Bank offers its customers a bank with "local flavor" and continues to give attention to personal service and to building long-term relationships. 

H. David Hale, First Capital Bank's Chairman, President and CEO is the former Chairman, President and CEO of The Cumberland Federal Savings Bank. During his banking career, Mr. Hale served with United Bankshares, Inc., and as West Virginia's Banking Commissioner under then Governor John D. Rockefeller IV.