Sanibel Captiva Community Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Equity capital to total assets: 0.89 percentage points higher than in Q1 2026, at 9.90%. Sanibel Captiva Community Bank ranks 42nd of 56 Florida banks on CET1 ratio, in the lower half at 12.72% (Q2 2026). Sanibel Captiva Community Bank reported 12.72% on CET1 ratio for Q2 2026, 2.35 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.72% |
| Tier 1 risk-based capital ratio | 12.72% |
| Total risk-based capital ratio | 13.89% |
| Tier 1 leverage ratio | 9.92% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $96.6M |
| Tier 1 capital | $96.6M |
| Total risk-based capital | $105.5M |
| Total equity capital | $96.6M |
| Risk-weighted assets | $759.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.90% |
| Tangible equity to tangible assets | 9.90% |
| Equity capital to average assets | 9.92% |
| Internal capital growth rate | 12.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.0M |
| Common stock surplus | $16.8M |
| Retained earnings | $72.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.39% | 10.39% | 11.55% | 7.69% | $640.1M |
| Q4 2023 | 10.83% | 10.83% | 12.02% | 8.03% | $643.2M |
| Q1 2024 | 11.19% | 11.19% | 12.40% | 8.30% | $652.7M |
| Q2 2024 | 11.30% | 11.30% | 12.48% | 8.70% | $674.6M |
| Q3 2024 | 11.45% | 11.45% | 12.61% | 8.91% | $690.8M |
| Q4 2024 | 11.10% | 11.10% | 12.27% | 8.83% | $733.6M |
| Q1 2025 | 11.44% | 11.44% | 12.56% | 8.73% | $738.4M |
| Q2 2025 | 11.19% | 11.19% | 12.32% | 8.74% | $768.5M |
| Q3 2025 | 11.20% | 11.20% | 12.30% | 8.95% | $795.9M |
| Q4 2025 | 11.52% | 11.52% | 12.63% | 9.01% | $790.0M |
| Q1 2026 | 11.95% | 11.95% | 13.08% | 9.19% | $783.7M |
| Q2 2026 | 12.72% | 12.72% | 13.89% | 9.92% | $759.5M |
Sanibel Captiva Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sanibel Captiva Community Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sanibel Captiva Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57425) · FFIEC NIC profile (RSSD 3122994)