1st Century Bancshares, Inc. (Bancshares) is a bank holding company. Bancshares has one subsidiary, 1st Century Bank, National Association (the Bank). The Bank is a full service commercial bank. The Bank's focus is relationship banking to family and middle market businesses, professional service firms, and high net worth individuals, real estate investors and entrepreneurs. The Bank's goal is to deliver the responsive and adaptive depository and lending products and services to its customers. The Bank's product offerings include Loans and Deposits. The Company's business depends upon the use of the Internet and online services as a medium for banking and commerce by customers. The Company's loan and deposit activities are based in the Los Angeles metropolitan area.