Sanibel Captiva Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Sanibel Captiva Community Bank is an FDIC-insured commercial bank headquartered in Sanibel, FL, established in 2003 (FDIC certificate 57425), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $976.2M, down 3.7% from Q2 2025, the 32nd largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 12.72% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57425
- Headquarters
- Sanibel, FL
- Established
- 2003
- Total assets, Q2 2026
- $976.2M
- Assets vs Q2 2025
- -3.7%
- CET1 ratio, Q2 2026
- 12.72%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 067015287
- Latest call report
- Q2 2026, FFIEC 051 · Sanibel Captiva Community Bank call report
- Asset rank in state
- 32nd of 81 in Florida
Sanibel Captiva Community Bank earns an unusually wide margin on its lending. The Sanibel, Florida bank had $976 million in assets at June 30, 2026, down 3.7% from a year earlier. It keeps 5.37 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also shrank its loan book 3.9% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.67% of loans from 1.89%. Credit is the area to watch: it carries problem assets equal to 8.3% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Sanibel Captiva Community Bank reported a CET1 capital ratio of 12.72%, a return on assets of 2.07%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 8.26%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Sanibel Captiva Community Bank is the 32nd largest of the 81 banks headquartered in Florida. Between Q1 2026 and Q2 2026, its total assets fell 6.1% to $976.2M, loans fell 3.7% and deposits fell 11.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 49.1% of total loans, followed by non-owner-occupied commercial real estate loans at 15.9%. The FDIC Summary of Deposits lists 8 offices for it, in Fort Myers, FL and Sanibel, FL; its Fort Myers 6 offices book 69% of its branch deposits. On its Q2 2026 call report, Sanibel Captiva Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2406 Periwinkle Way, Sanibel, FL 33957
- County
- Lee
- Metro Area
- Cape Coral-Fort Myers, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 21, 2003
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 122
- Domestic deposits
- $805.9M
- Allowance for credit losses
- $8.3M
- Net charge-offs (YTD)
- $708K
- Average total assets
- $973.5M
- Average total loans
- $844.6M
- Average interest-bearing deposits
- $611.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 21, 2003
- FDIC Cert
- 57425
- Fed RSSD
- 3122994
- Website
- http://www.sancapbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Sanibel Captiva Community Bank's total assets ranged from $867.0M (Q3 2023) to $1.04B (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$976.2M total assets against $1.01B; $879.6M total liabilities against $928.1M.
$827.0M net loans and leases against $860.8M; $805.9M total deposits against $835.2M.
$30.6M securities against $37.6M; $70.7M cash and balances due against $67.0M.
$16.5M total interest income against $16.2M; $4.0M total interest expense against $4.6M.
$12.5M net interest income against $11.6M.
$764K total noninterest income against $705K; $6.0M total noninterest expense against $5.8M.
$438K provision for credit losses against $500K.
$5.0M net income against $4.6M.
2.07% return on assets against 1.88%; 5.37% net interest margin against 4.89%.
12.72% CET1 capital ratio against 11.19%; 9.92% tier 1 leverage ratio against 8.74%.
Inside the full Sanibel Captiva Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Sanibel Captiva Community Bank rankings
Its closest position to the top of a national ranking is 411 of 3,611, for ROA; its furthest is 1,492 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.42% (Q4 2025) to 2.07% (Q2 2026) and its net interest margin ran from 4.87% (Q1 2025) to 5.37% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.72% | 2.07% | 0.67% | 8.26% | 5.37% |
| Q1 2026 | 11.95% | 1.74% | 0.77% | 13.03% | 5.25% |
| Q4 2025 | 11.52% | 1.42% | 1.14% | 17.15% | 5.06% |
| Q3 2025 | 11.20% | 1.97% | 1.42% | 15.76% | 5.11% |
| Q2 2025 | 11.19% | 1.88% | 1.89% | 21.05% | 4.89% |
| Q1 2025 | 11.44% | 1.85% | 0.97% | 12.63% | 4.87% |
| Q4 2024 | 11.10% | 1.70% | 0.92% | 9.43% | 5.03% |
| Q3 2024 | 11.45% | 2.03% | 0.92% | 8.31% | 5.11% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sanibel Captiva Community Bank (main office) | Sanibel , FL | 33957 | $222.4M |
| Bridge Branch | Fort Myers , FL | 33919 | $163.5M |
| Gateway Office | Fort Myers , FL | 33913 | $106.0M |
| Mcgregor Branch | Fort Myers , FL | 33908 | $83.1M |
| Winkler Branch | Fort Myers , FL | 33919 | $71.8M |
| Hendry Branch | Fort Myers , FL | 33901 | $69.6M |
| College Parkway Office | Fort Myers , FL | 33907 | $60.8M |
| Periwinkle Branch | Sanibel , FL | 33957 | $28.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 70 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 133 applications, 83 loans originated, $62.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $8.7M approved, $961K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Sanibel Captiva Community Bank
What are Sanibel Captiva Community Bank's total assets?
As of the Q2 2026 filing, Sanibel Captiva Community Bank reported total assets of $976.2 million in its FFIEC call report.
Where is Sanibel Captiva Community Bank headquartered?
It is headquartered in Sanibel, FL, United States.
When was Sanibel Captiva Community Bank founded?
It was established in 2003, per the FDIC institution directory.
Is Sanibel Captiva Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57425). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sanibel Captiva Community Bank?
Sanibel Captiva Community Bank's primary federal regulator is the FDIC.
What is Sanibel Captiva Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.72% in its Q2 2026 call report, above regulatory requirements.
How many branches does Sanibel Captiva Community Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sanibel Captiva Community Bank's Texas Ratio?
Its Texas Ratio is 8.26% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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