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Sanibel Captiva Community Bank

$100M-$1B Specialty: Commercial FL FDIC cert 57425

Sanibel, FL

8 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
  • Deposits -3.5% year over year ($805.9M on the books).
  • Delinquency rate 0.68%.
  • Return on assets 1.88%.
  • Efficiency ratio 49.09% vs a 64.48% peer average.
  • Loan-to-deposit ratio 102.62% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL
View $100M-$1B leaderboard (FL) →

Sanibel Captiva Community Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 57.2% in tier
  • + ROA 0.56% above tier average
  • + Efficiency Ratio 15.39% below tier average
  • + Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 18.0% in tier
  • - Capital Constraint: Bottom 69.2% in tier
Get updates when Sanibel Captiva Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $976.2M
-3.7% YoY -6.1% QoQ
+$589.6M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
Top 0.9% in tier
Total Loans ? $827.0M
-3.9% YoY -3.7% QoQ
+$568.7M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
Top 0.1% in tier
Total Deposits ? $805.9M
-3.5% YoY -11.6% QoQ
+$479.2M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
Top 1.9% in tier
Return on Assets ? 1.88%
+1.8% YoY +8.5% QoQ
+0.56% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
83%
Net Interest Margin ? 5.31%
+8.1% YoY +0.6% QoQ
+1.32% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
Top 4.5% in tier
Efficiency Ratio ? 49.09%
+3.8% YoY -6.4% QoQ
-15.39% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
85%
Delinquency Rate ? 0.68%
-64.5% YoY -13.2% QoQ
-0.24% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 102.62%
-0.4% YoY +9.0% QoQ
+24.67% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
Bottom 7.3% in tier
Non-Interest-Bearing Deposit Share ? 28.87%
+4.8% YoY +2.3% QoQ
+6.84% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.89%
-54.8% YoY -30.8% QoQ
+0.22% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
23%
Tier 1 Capital Ratio ? 12.72%
+13.7% YoY +6.4% QoQ
-3.19% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.14%
+13.0% YoY +134.6% QoQ
-0.42% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
32%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Noninterest-Bearing 28.9%
+1.3pp YoY
+0.6pp QoQ
 +6.7pp 22.1% 27.7% 22.2% 79%
Brokered Deposits 5.6%
-3.5pp YoY
-4.4pp QoQ
 -2.3pp 7.9% 8.7% 8.5% 56%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 9.5%
+0.5pp YoY
-1.9pp QoQ
 -2.0pp 11.6% 12.9% 12.5% 49%
CRE 40.9%
+1.5pp YoY
+0.5pp QoQ
 +1.4pp 39.5% 50.6% 41.4% 55%
1-4 Family 49.6%
-1.8pp YoY
+1.4pp QoQ
 +17.0pp 32.6% 30.7% 31.3% 82%
Consumer 1.0%
-0.2pp YoY
0.0pp QoQ
 -3.1pp 4.1% 3.7% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 12.7%
+1.5pp YoY
+0.8pp QoQ
 -6.1pp 18.8% 19.8% 19.7% 24%
Leverage Ratio 9.9%
+1.2pp YoY
+0.7pp QoQ
 -2.2pp 12.2% 13.9% 12.6% 29%
Total Capital Ratio 13.8%
+1.5pp YoY
+0.8pp QoQ
 -6.1pp 19.9% 21.1% 20.8% 24%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 122
+8 (+7.0%) YoY
+4 (+3.4%) QoQ
 +63 58 295 482 93%
Assets per Employee ($) $8.0M
-10.1% YoY
-9.2% QoQ
 +$483K $7.5M $10.3M $8.8M 68%
Branch Count 8
0 YoY
0 QoQ
 +3 4 13 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.7%
-1.0pp YoY
-0.1pp QoQ
 -0.3pp 0.9% 0.7% 1.0% 61%
Allowance Coverage 1.48x
+184.8% YoY
+14.7% QoQ
 -22.67x 24.15x 16.62x 20.23x 39%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
+0.2pp QoQ
 0.0pp 0.1% 0.2% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 20.2%
-1.4pp YoY
+1.0pp QoQ
 +8.0pp 12.2% 9.3% 11.6% 89%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
-0.1pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 58%
Net Income ($, YTD) $9.5M
+4.3% YoY
— QoQ
 +$6.9M $2.6M $25.2M $40.4M 99%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#160 of 278 • Top 57.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 28.87%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.31%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Strain

risk
#125 of 691 • Bottom 18.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 102.62%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#75 of 107 • Bottom 69.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 102.62%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 12.72%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

4
Total Loans
size
Value: $827.04M
Peer Median: $258.35M
#4 of 2643 Top 0.1% in $100M-$1B
26
Total Assets
size
Value: $976.17M
Peer Median: $386.57M
#26 of 2643 Top 0.9% in $100M-$1B
52
Total Deposits
size
Value: $805.90M
Peer Median: $326.73M
#52 of 2643 Top 1.9% in $100M-$1B
119
Net Interest Margin
profitability
Value: 5.31%
Peer Median: 3.99%
#119 of 2643 Top 4.5% in $100M-$1B
399
Efficiency Ratio
profitability
Value: 49.09%
Peer Median: 64.48%
#399 of 2643 Top 15.1% in $100M-$1B
438
Return on Assets
profitability
Value: 1.88%
Peer Median: 1.32%
#438 of 2643 Top 16.5% in $100M-$1B
560
Non-Interest-Bearing Deposit Share
funding
Value: 28.87%
Peer Median: 22.03%
#560 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (2 metrics)

2451
Loan-to-Deposit Ratio
liquidity
Value: 102.62%
Peer Median: 77.95%
#2451 of 2643 Bottom 7.3% in $100M-$1B
2032
Nonperforming Asset Ratio
credit_quality
Value: 0.89%
Peer Median: 0.67%
#2032 of 2643 Bottom 23.2% in $100M-$1B
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