BlastPoint's Banking Scorecard

Sanibel Captiva Community Bank

$1B-$10B Specialty: Commercial FL FDIC cert 57425

Designations: ✓ Community bank

Sanibel, FL

8 branches across FL

884 banks in the $1B-$10B peer group nationally 27 in 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 33.7% in tier
+ ROA 0.37% above tier average
+ Efficiency Ratio 8.63% below tier average
+ Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 16.8% in tier
- Margin Compression: Bottom 69.0% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$1.0B +5.0% YoY +2.7% QoQ	-$1.8B	$2.8B -0.1% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	Bottom 3.7% in tier
Total Loans ?	$858.7M +2.9% YoY +0.1% QoQ	-$1.1B	$2.0B +0.6% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$912.0M +8.3% YoY +11.5% QoQ	-$1.4B	$2.3B -0.3% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	Bottom 8.0% in tier
Return on Assets ?	1.73% -6.1% YoY -1.3% QoQ	+0.37%	1.37% +19.6% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	5.28% +7.0% YoY +5.5% QoQ	+1.46%	3.82% +6.9% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	Top 3.7% in tier
Efficiency Ratio ?	52.43% +10.1% YoY +11.5% QoQ	-8.63%	61.06% -4.6% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	71%
Delinquency Rate ?	0.78% -20.1% YoY -32.1% QoQ	-0.11%	0.89% +14.1% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	36%
Loan-to-Deposit Ratio ?	94.16% -5.1% YoY -10.3% QoQ	+9.95%	84.20% +0.3% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	28.22% +1.8% YoY +7.9% QoQ	+6.93%	21.29% -2.5% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	1.28% +8.6% YoY -24.0% QoQ	+0.61%	0.67% +15.6% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	Bottom 13.9% in tier
Tier 1 Capital Ratio ?	11.95% +4.4% YoY +3.8% QoQ	-3.21%	15.16% +2.0% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.06% +4.1% YoY -77.8% QoQ	-0.20%	0.26% +1.6% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Bottom 14.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#30 of 86 • Top 33.7% 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: 28.22%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.28%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (2)

Liquidity Strain

risk

#57 of 334 • Bottom 16.8% 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: 94.16%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Margin Compression

decline

#59 of 84 • Bottom 69.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.73%

(Tier: 1.37%, National: 1.23%)

better than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 5.28%

Peer Median: 3.82%

#34 of 884 Top 3.7% in $1B-$10B

169

Return on Assets

profitability

Value: 1.73%

Peer Median: 1.37%

#169 of 884 Top 19.0% in $1B-$10B

176

Non-Interest-Bearing Deposit Share

funding

Value: 28.22%

Peer Median: 21.29%

#176 of 884 Top 19.8% in $1B-$10B

Top Weaknesses (5 metrics)

852

Total Assets

size

Value: $1.04B

Peer Median: $2.82B

#852 of 884 Bottom 3.7% in $1B-$10B

814

Total Deposits

size

Value: $912.02M

Peer Median: $2.34B

#814 of 884 Bottom 8.0% in $1B-$10B

762

Nonperforming Asset Ratio

credit_quality

Value: 1.28%

Peer Median: 0.67%

#762 of 884 Bottom 13.9% in $1B-$10B

760

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.26%

#760 of 884 Bottom 14.1% in $1B-$10B

708

Total Loans

size

Value: $858.72M

Peer Median: $1.96B

#708 of 884 Bottom 20.0% in $1B-$10B