About Us
A bank built on relationships, not transactions.
For over two decades, St. Johns Capital Bank has been a trusted partner for Florida's small business owners — providing capital, counsel, and a genuine commitment to community.
Our Story
Founded on the belief that local businesses deserve a local bank.
St. Johns Capital Bank was founded in 2004 by a group of Florida bankers and business owners who believed the community deserved better than the impersonal service of national chains. They set out to build a bank where decisions are made locally, relationships are valued, and every client is known by name.
Over the past twenty years, we've grown alongside the businesses we serve — from first-time entrepreneurs securing startup capital to established companies expanding into new markets. Through economic cycles, we've remained a steady, reliable partner.
Today, St. Johns Capital Bank is one of Florida's most trusted community lenders, with a portfolio built entirely on local relationships and a team that genuinely cares about the outcomes of every loan we make.
Member FDIC · Equal Housing Lender · Florida-Chartered Community Bank
Our Mission
Capital with purpose.
To empower Florida's entrepreneurs and small business owners with the capital, expertise, and relationships they need to build something lasting.
Relationship First
We invest in people before we invest in businesses. Every client relationship is built on trust, transparency, and long-term thinking.
Local Expertise
Our bankers live and work in the communities they serve. We understand Florida's market because we're part of it.
Integrity Always
We say what we mean and do what we say. No hidden fees, no surprises, no fine print designed to confuse.
Community Commitment
Our success is measured by the success of the businesses and neighborhoods we serve. We reinvest in the communities that trust us.
Our Team
The people behind the bank
Robert Harmon
President & CEO
30 years in Florida community banking. Robert founded St. Johns Capital Bank with a vision to give local businesses the kind of banking relationship that actually moves the needle.
Sandra Vega
Chief Lending Officer
Sandra leads our lending team with a focus on SBA and commercial real estate. She has structured over $200M in loans for Florida businesses across every industry.
Marcus Webb
VP, Small Business Banking
Marcus works directly with startups and growing businesses to find the right financing structure. He's known for creative solutions and a no-jargon approach.
Community
We grow when our community grows.
St. Johns Capital Bank reinvests in the communities we serve through local sponsorships, small business education programs, and active participation in Florida's economic development initiatives. We believe a strong local economy starts with strong local businesses — and we're proud to play a role in building both.
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