Sanibel Captiva Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sanibel Captiva Community Bank of Sanibel, FL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.07% | 1.34% | +0.73% | 87th top |
| ROAE | 21.20% | 13.31% | +7.89% | 90th top |
| Net Interest Margin | 5.37% | 3.93% | +1.44% | 96th top |
| Efficiency Ratio | 45.71% | 61.15% | -15.44% | 89th top |
| PPNR / Avg Assets | 2.95% | 1.68% | +1.27% | 95th top |
| Yield on Earning Assets | 7.10% | 5.67% | +1.43% | 96th top |
| Cost of Funds | 1.80% | 1.88% | -0.08% | 50th above |
| Net Interest Spread | 4.69% | 3.32% | +1.37% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 0.94% | -0.23% | 37th below |
| NPA / Total Assets | 0.92% | 0.70% | +0.22% | 22nd bottom |
| NCO / Avg Loans | 0.32% | 0.16% | +0.16% | 9th bottom |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 25th below |
| ACL / NPLs (Coverage) | 139.47% | 1540.12% | -1400.65% | 38th below |
| Texas Ratio | 8.60% | 7.33% | +1.27% | 26th below |
| Provision / NCO | 67.09% | 1397.40% | -1330.31% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.72% | 19.51% | -6.79% | 24th bottom |
| Tier 1 Ratio | 12.72% | 19.55% | -6.83% | 24th bottom |
| Total Capital Ratio | 13.89% | 20.63% | -6.74% | 25th below |
| Leverage Ratio | 9.92% | 12.14% | -2.22% | 30th below |
| Equity / Assets | 9.90% | 11.38% | -1.48% | 43rd below |
| TCE / Tangible Assets | 9.90% | 11.09% | -1.19% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.65% | 80.62% | +23.03% | 7th bottom |
| Core Deposit Ratio | 89.81% | 86.86% | +2.95% | 53rd above |
| Uninsured Deposit Ratio | 26.13% | 20.52% | +5.61% | 25th below |
| Wholesale Funding Ratio | 7.17% | 5.03% | +2.14% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.74% | 6.86% | -10.60% | 7th bottom |
| Loan Growth (Y/Y) | -3.92% | 7.91% | -11.83% | 10th bottom |
| Deposit Growth (Y/Y) | -3.51% | 6.30% | -9.81% | 9th bottom |
See Sanibel Captiva Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sanibel Captiva Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sanibel Captiva Community Bank profile, how to read a UBPR, or how this data updates.