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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

6.51%Q2 ’246.58%Q2 ’256.77%Q2 ’26-8%+9%

Non-interest income vs. expense

2.43%Q2 ’242.34%Q2 ’252.49%Q2 ’26-8%+6%

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 2.00%, up 16 bps year over year; NIM at 5.12%.
  • Asset quality: problem loans at 0.67% of loans (-122 bps YoY), with net charge-offs at 0.33%.
  • 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 (quarter, annualized)

2.00%+16 bps YoY

Net Interest Margin (quarter, annualized)

5.12%+43 bps YoY

Efficiency Ratio (quarter, annualized)

45.71%-130 bps YoY

Tier 1 Leverage Ratio

9.92%+119 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.91%1.40%1.73%2.00%+16 bps
Return on Equity21.67%22.46%15.96%19.25%21.20%-47 bps
Net Interest Margin4.70%4.89%4.84%5.00%5.12%+43 bps
Efficiency Ratio47.01%46.12%47.33%52.43%45.71%-130 bps
Non-Interest Burden2.06%2.13%2.10%2.50%2.17%+12 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 / Loans0.03%0.09%0.95%0.01%0.33%+29 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