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Sanibel Captiva Community Bank
Sanibel, FL · FDIC Certificate #57425 · Chartered 01/2
Total assets
$976.17M
Total deposits
$805.90M
Total equity
$96.61M
Net loans
$827.04M
Branches (offices)
8
Net income (YTD)
$9.49M
Rank: #1,069 of 4,213 U.S. banks by assets · #32 of 81 in Florida. Assets changed -3.7% and deposits -3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.88% |
| Return on equity | 20.24% |
| Net interest margin (YTD) | 5.31% |
| Equity to assets | 9.90% |
| Tier 1 leverage ratio | 9.92% |
| Uninsured deposits (share of deposits) | 26.1% |
| Noncurrent loans (share of loans) | 0.67% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 102.6% |
| Real estate loans (share of loans) | 90.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $748.94M | 90.6% | |
| Commercial & industrial | $78.63M | 9.5% | |
| Consumer / individual | $8.08M | 1.0% | |
| Construction & development | $69.93M | 8.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $738.65M | $689.59M | $4.88M | $47.51M |
| Jun 2023 | $847.11M | $780.71M | $8.62M | $63.45M |
| Jun 2024 | $913.98M | $805.04M | $9.49M | $76.22M |
| Jun 2025 | $1.01B | $835.23M | $9.10M | $85.97M |
| Jun 2026 | $976.17M | $805.90M | $9.49M | $96.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $805.90M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $805.90M.
Similar-sized banks
First Security Bank ($976.54M) · Dundee Bank ($975.65M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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