Sanibel Captiva Community Bank
Sanibel, FL · Cert 57425 · Peer group: banks under $1B in assets (n=570-617)
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 16 of 617).
- Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets (rank 461 of 570).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.94%
Rank 75 of 617
Net Interest Margin
5.18%
Rank 16 of 617
Efficiency Ratio
49.09%
Rank 58 of 617
Equity / Assets
9.90%
Rank 365 of 617
Non-interest income vs. expense
Unfavorable gap of $23.3M · efficiency ratio beats 91% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.94% | 0.60% | 1.01% | 1.45% | Beats 88% | 75 / 617 | |
| Return on Equity | 19.64% | 5.30% | 9.43% | 13.30% | Beats 93% | 43 / 617 | |
| Net Interest Margin | 5.18% | 3.04% | 3.54% | 4.05% | Beats 97% | 16 / 617 | |
| Efficiency Ratio | 49.09% | 58.03% | 67.76% | 79.08% | Beats 91% | 58 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.09% | 0.47% | 1.27% | Beats 41% | 339 / 570 | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.01% | 0.06% | Beats 19% | 461 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 12.72% | 11.18% | 13.83% | 18.55% | Beats 41% | 366 / 617 | |
| Total Risk-Based Capital Ratio | 13.89% | 11.56% | 14.39% | 19.39% | Beats 46% | 334 / 617 | |
| Equity / Assets | 9.90% | 9.03% | 10.55% | 13.63% | Beats 41% | 365 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 103.65% | 64.77% | 79.70% | 93.06% | 91st pctl | 54 / 582 | |
| Loans / Assets | 85.57% | 51.70% | 67.18% | 77.51% | 94th pctl | 35 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |