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Sanibel Captiva Community Bank

Sanibel, FL · Cert 57425

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

92

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sanibel Captiva Community Bank

Sanibel, FL · Cert 57425

State charter, non-member · FDIC · 8 branches

Q2 2026

$976.2MAssets
$835.4MLoans
$805.9MDeposits
$96.6MEquity
Loan mix
88%RE $761.1M11%C&I $97.8M1%Consumer $8.8MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $573.3M29%Noninterest $232.6MQ2 2025Q2 2026

NIM

6.41%Q2 ’246.53%Q2 ’256.94%Q2 ’26-9%+11%

Non-interest income vs. expense

2.38%Q2 ’242.33%Q2 ’252.68%Q2 ’26-5%+16%

Market Position · Cape Coral-Fort Myers, FL · 2026 SOD (annual) · 3.8% share · #7 of 34 inst. · $0.8B of $21.1B

Executive Summary

  • Earnings: ROA of 1.88%, up 3 bps year over year; NIM at 5.18%.
  • Asset quality: problem loans at 0.67% of loans (-122 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 9.92%, up 119 bps from a year ago.
  • Funding: loans stand at 103.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.88%+3 bps YoY

Net Interest Margin (YTD, annualized)

5.18%+52 bps YoY

Efficiency Ratio (YTD, annualized)

49.09%+178 bps YoY

Tier 1 Leverage Ratio

9.92%+119 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%1.87%1.76%1.73%1.88%+3 bps
Return on Equity21.67%21.92%20.38%19.25%20.24%-144 bps
Net Interest Margin4.66%4.70%4.69%5.00%5.18%+52 bps
Efficiency Ratio47.31%46.90%47.01%52.43%49.09%+178 bps
Non-Interest Burden2.07%2.07%2.06%2.50%2.40%+33 bps
Growth
Asset Growth (YoY)10.96%14.29%6.15%5.03%-3.74%-1,470 bps
Loan Growth (YoY)12.42%13.39%4.24%2.90%-3.92%-1,633 bps
Deposit Growth (YoY)3.75%9.02%3.61%8.35%-3.51%-726 bps
Asset Quality
Nonperforming Loans / Loans1.89%1.42%1.14%0.77%0.67%-122 bps
Net Charge-Offs / Loans0.14%0.12%0.33%0.01%0.17%+3 bps
Allowance / Loans0.99%0.97%0.99%1.00%1.00%+1 bps
Allowance Coverage of NPLs0.5x0.7x0.9x1.3x1.5x+1.0x
Capital
Tier 1 Leverage Ratio8.74%8.95%9.01%9.19%9.92%+119 bps
Total Risk-Based Capital12.32%12.30%12.63%13.08%13.89%+157 bps
Equity / Assets8.48%8.54%8.99%9.01%9.90%+142 bps
Liquidity & Funding
Loans / Deposits104.09%104.36%105.99%95.11%103.65%-44 bps
Liquid Assets / Assets9.59%9.74%9.07%11.62%9.25%-34 bps
CRE / Total Capitaln/a406%383%370%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sanibel Captiva Community Bank

Sanibel, FL · Cert 57425 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 8 branches

Q2 2026

$976.2MAssets
$835.4MLoans
$805.9MDeposits
$96.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 97% of banks under $1B in assets (rank 19 of 629).
  • Widest gap: net charge-offs / loans trails 79% of banks under $1B in assets (rank 461 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.94%

Rank 82 of 629

Net Interest Margin

5.18%

Rank 19 of 629

Efficiency Ratio

49.09%

Rank 64 of 629

Equity / Assets

9.90%

Rank 383 of 629

Non-interest income vs. expense

$2.8M$26.1MINCOMEEXPENSE
Unfavorable gap of $23.3M · efficiency ratio beats 90% of banks under $1B in assets
Bank 49.09%Peer median 67.8%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.94%0.60%1.01%1.45%Beats 87%82 / 629
Return on Equity19.64%5.38%9.30%13.28%Beats 93%45 / 629
Net Interest Margin5.18%3.03%3.54%4.05%Beats 97%19 / 629
Efficiency Ratio49.09%58.35%67.79%79.08%Beats 90%64 / 629
Asset Quality
Nonperforming Loans / Loans0.67%0.09%0.46%1.20%Beats 40%350 / 581
Net Charge-Offs / Loans0.08%n/a0.01%0.06%Beats 21%461 / 581
Capital
Tier 1 Capital Ratio12.72%11.24%13.84%18.77%Beats 41%374 / 629
Total Risk-Based Capital Ratio13.89%11.58%14.43%19.66%Beats 45%343 / 629
Equity / Assets9.90%9.09%10.65%13.80%Beats 39%383 / 629
Liquidity & Funding
Loans / Deposits103.65%67.24%80.90%93.48%90th pctl57 / 594
Loans / Assets85.57%53.31%67.71%78.15%94th pctl38 / 629
Brokered Deposits / Depositsn/aNot reported for this institution