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
Unfavorable gap of $23.3M · efficiency ratio beats 90% 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 87% | 82 / 629 | |
| Return on Equity | 19.64% | 5.38% | 9.30% | 13.28% | Beats 93% | 45 / 629 | |
| Net Interest Margin | 5.18% | 3.03% | 3.54% | 4.05% | Beats 97% | 19 / 629 | |
| Efficiency Ratio | 49.09% | 58.35% | 67.79% | 79.08% | Beats 90% | 64 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.09% | 0.46% | 1.20% | Beats 40% | 350 / 581 | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.01% | 0.06% | Beats 21% | 461 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.72% | 11.24% | 13.84% | 18.77% | Beats 41% | 374 / 629 | |
| Total Risk-Based Capital Ratio | 13.89% | 11.58% | 14.43% | 19.66% | Beats 45% | 343 / 629 | |
| Equity / Assets | 9.90% | 9.09% | 10.65% | 13.80% | Beats 39% | 383 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 103.65% | 67.24% | 80.90% | 93.48% | 90th pctl | 57 / 594 | |
| Loans / Assets | 85.57% | 53.31% | 67.71% | 78.15% | 94th pctl | 38 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |