Sanibel Captiva Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 18.93 percentage points lower than in Q1 2026, at 66.64%. Among 81 Florida banks, Sanibel Captiva Community Bank sits 5th from the top on loan-to-deposit ratio, 103.65% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Sanibel Captiva Community Bank sits 22.71 points higher, at 103.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $835.4M |
| Net loans and leases | $827.0M |
| Loans held for sale | $1.8M |
| Loans to total assets | 85.57% |
| Loan-to-deposit ratio | 103.65% |
| Net loans to equity capital | 8.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.58% |
| Multifamily (5+ residential) | 0.55% |
| Commercial and industrial | 9.41% |
| Consumer | 0.97% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 197.75% |
| Construction concentration (Tier 1 capital + allowance) | 66.64% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.41% |
| Interest income on loans | $15.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $734.7M | $796.7M | 25.99% | 6.46% | 1.42% |
| Q4 2023 | $751.1M | $811.1M | 23.72% | 6.89% | 1.23% |
| Q1 2024 | $764.2M | $799.4M | 23.97% | 7.59% | 1.25% |
| Q2 2024 | $773.4M | $805.0M | 25.40% | 8.25% | 1.25% |
| Q3 2024 | $783.1M | $780.5M | 25.23% | 8.18% | 1.30% |
| Q4 2024 | $831.4M | $789.2M | 24.76% | 9.07% | 1.17% |
| Q1 2025 | $843.0M | $841.8M | 24.35% | 8.87% | 1.13% |
| Q2 2025 | $869.4M | $835.2M | 24.50% | 8.88% | 1.14% |
| Q3 2025 | $887.9M | $850.9M | 27.22% | 9.08% | 1.10% |
| Q4 2025 | $866.7M | $817.7M | 28.28% | 9.12% | 1.11% |
| Q1 2026 | $867.4M | $912.0M | 29.37% | 11.27% | 1.01% |
| Q2 2026 | $835.4M | $805.9M | 31.58% | 9.41% | 0.97% |
Sanibel Captiva Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sanibel Captiva Community Bank, freeSource: Call Report Schedule RC-C, 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)