Sanibel Captiva Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 16.88 percentage points in Q2 2026, from 122.59% to 139.47%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Sanibel Captiva Community Bank is 8th of 79 on return on assets, 2.07% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Sanibel Captiva Community Bank reported 2.07% on return on assets in Q2 2026, 0.82 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.72% |
| Tier 1 risk-based capital ratio | 12.72% |
| Total risk-based capital ratio | 13.89% |
| Tier 1 leverage ratio | 9.92% |
| Equity capital to assets | 9.90% |
| Tangible equity to tangible assets | 9.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.71% |
| Non-performing assets ratio | 0.92% |
| Net charge-off ratio | 0.32% |
| Texas ratio | 8.60% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 139.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.07% |
| Return on equity | 21.20% |
| Net interest margin | 5.37% |
| Efficiency ratio | 45.71% |
| Yield on earning assets | 7.10% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.65% |
| Core deposits to total deposits | 89.81% |
| Brokered deposits to total deposits | 5.58% |
| Deposits to assets | 82.56% |
| Securities to assets | 3.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.39% | 10.39% | 11.55% | 7.69% | 2.11% |
| Q4 2023 | 10.83% | 10.83% | 12.02% | 8.03% | 2.17% |
| Q1 2024 | 11.19% | 11.19% | 12.40% | 8.30% | 2.16% |
| Q2 2024 | 11.30% | 11.30% | 12.48% | 8.70% | 2.17% |
| Q3 2024 | 11.45% | 11.45% | 12.61% | 8.91% | 2.03% |
| Q4 2024 | 11.10% | 11.10% | 12.27% | 8.83% | 1.70% |
| Q1 2025 | 11.44% | 11.44% | 12.56% | 8.73% | 1.85% |
| Q2 2025 | 11.19% | 11.19% | 12.32% | 8.74% | 1.88% |
| Q3 2025 | 11.20% | 11.20% | 12.30% | 8.95% | 1.97% |
| Q4 2025 | 11.52% | 11.52% | 12.63% | 9.01% | 1.42% |
| Q1 2026 | 11.95% | 11.95% | 13.08% | 9.19% | 1.74% |
| Q2 2026 | 12.72% | 12.72% | 13.89% | 9.92% | 2.07% |
Sanibel Captiva Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sanibel Captiva Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)