Sanibel Captiva Community Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.89% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.89% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.72% +6.22 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $96.6M | 96,610 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $759.5M | 759,463 | RCOAA223 |
| Recomputed ratio | 12.72% | numerator / denominator | |
| Filed ratio | 12.72% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.22 pp | $47.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.72% +4.72 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $96.6M | 96,610 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $759.5M | 759,463 | RCOAA223 |
| Recomputed ratio | 12.72% | numerator / denominator | |
| Filed ratio | 12.72% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.72 pp | $35.9M | capital that could be lost first |
Total risk-based capital ratio 13.89% +3.89 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $105.5M | 105,487 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $759.5M | 759,463 | RCOAA223 |
| Recomputed ratio | 13.89% | numerator / denominator | |
| Filed ratio | 13.89% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.89 pp | $29.5M | capital that could be lost first |
Tier 1 leverage ratio 9.92% +4.92 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $96.6M | 96,610 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $973.5M | 973,450 | RCOAA224 |
| Recomputed ratio | 9.92% | numerator / denominator | |
| Filed ratio | 9.92% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.92 pp | $47.9M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 23,768 | 23,768 | 23,452 | 23,452 | 23,451 | 23,452 | RCOAP742 |
| Retained earnings | 72,842 | 69,893 | 67,545 | 65,694 | 62,517 | 61,035 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 96,610 | 93,661 | 90,997 | 89,146 | 85,968 | 84,487 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 96,610 | 93,661 | 90,997 | 89,146 | 85,968 | 84,487 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 96,610 | 93,661 | 90,997 | 89,146 | 85,968 | 84,487 | RCOA8274 |
| Tier 2 capital | 8,877 | 8,874 | 8,747 | 8,784 | 8,708 | 8,282 | RCOA5311 |
| Allowance includable in Tier 2 capital | 8,877 | 8,874 | 8,747 | 8,784 | 8,708 | 8,282 | RCOA5310 |
| Total capital | 105,487 | 102,535 | 99,744 | 97,930 | 94,676 | 92,769 | RCOA3792 |
| Total risk-weighted assets | 759,463 | 783,662 | 790,041 | 795,917 | 768,532 | 738,354 | RCOAA223 |
| Average total assets for the leverage ratio | 973,450 | 1,018,784 | 1,009,989 | 996,135 | 984,172 | 967,878 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $70.7M | $1.6M | 2.31% | 0.22% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $30.6M | $355K | 1.16% | 0.05% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $368.4M | $184.3M | 50.02% | 24.26% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $5.6M | $8.4M | 150.00% | 1.11% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $461.4M | $460.3M | 99.78% | 60.61% | RC-R Part II, item 4.d, 5.d |
| All other assets | $47.8M | $43.9M | 91.81% | 5.78% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $60.6M | $60.6M | 100.00% | 7.98% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $800 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $759.5M | ties to item 31 ($759.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $759.5M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $759.5M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.72% | 12.72% | 13.89% | 9.92% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.95% | 11.95% | 13.08% | 9.19% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.52% | 11.52% | 12.63% | 9.01% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.20% | 11.20% | 12.30% | 8.95% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.19% | 11.19% | 12.32% | 8.74% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.44% | 11.44% | 12.56% | 8.73% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.10% | 11.10% | 12.27% | 8.83% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.45% | 11.45% | 12.61% | 8.91% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.30% | 11.30% | 12.48% | 8.70% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.19% | 11.19% | 12.40% | 8.30% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.83% | 10.83% | 12.02% | 8.03% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.39% | 10.39% | 11.55% | 7.69% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Sanibel Captiva Community Bank (this bank) | Risk-based | 12.72% | 12.72% | 13.89% | 9.92% | |
| First Security Bank | $976.5M | Risk-based | 13.62% | 13.62% | 14.87% | 9.28% |
| Dundee Bank | $975.6M | CBLR | NA | NA | NA | 9.61% |
| Round Top State Bank | $974.1M | CBLR | NA | NA | NA | 11.94% |
| BTG Pactual Bank, N.A. | $978.3M | Risk-based | 111.63% | 111.63% | 112.79% | 48.10% |
| Potomac Bank, Inc. | $980.2M | Risk-based | 12.97% | 12.97% | 14.06% | 9.85% |
| Transpecos Banks, SSB | $972.1M | Risk-based | 9.49% | 9.49% | 10.45% | 6.67% |
| Community First Bank of Indiana | $980.3M | Risk-based | 9.85% | 9.85% | 11.56% | 9.92% |
| Resource Bank | $980.7M | CBLR | NA | NA | NA | 12.80% |
| Watertown Savings Bank | $971.0M | CBLR | NA | NA | NA | 17.60% |
| Tolleson Private Bank | $982.0M | Risk-based | 13.77% | 13.77% | 15.02% | 9.37% |
| Peer 25th percentile | 10.63% | 10.63% | 12.19% | 9.43% | ||
| Peer median | 13.29% | 13.29% | 14.46% | 9.89% | ||
| Peer 75th percentile | 13.74% | 13.74% | 14.99% | 12.59% | ||
| This bank's percentile | 33 | 33 | 33 | 60 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3122994/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.