What is Sanibel Captiva Community Bank's financial health grade?

Sanibel Captiva Community Bank has a TFS Financial Health Grade of C- (score: 72.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Sanibel Captiva Community Bank have?

Sanibel Captiva Community Bank has 8 branch locations across the United States.

Is Sanibel Captiva Community Bank FDIC insured?

Yes, Sanibel Captiva Community Bank is FDIC insured (Certificate #57425).

What are the total assets of Sanibel Captiva Community Bank?

Sanibel Captiva Community Bank has total assets of $1.0B as reported in its most recent FDIC filing.

Sanibel Captiva Community Bank

BankSanibel, Florida

http://www.sancapbank.com

Total Assets

$1.0B

Total Deposits

$817.7M

Branches

Established

2003

TFS Health Grade

C-

72.4 / 100

Average financial health

How we grade

Sanibel Captiva Community Bank is a bank headquartered in Sanibel, Florida, established in 2003. With $1.0B in total assets and 8 branch locations, it has a TFS Financial Health Grade of C- (72.4/100).

Capital & Safety

Tier 1 Capital Ratio

9.01%(8%)

Total Capital Ratio

12.63%(10%)

Non-Performing Loan Ratio

1.14%

Profitability

Return on Assets (ROA)

1.76%(1%)

Return on Equity (ROE)

20.38%(10%)

Net Interest Margin

5.00%

Efficiency Ratio

47.01%(60%)

Lending & Liquidity

Total Loans

$866.7M

Loan-to-Deposit Ratio

104.94%

Net Charge-Off Ratio

0.33%

Growth

Asset Growth (YoY)

+6.15%

Deposit Growth (YoY)

+3.61%

Net Income

$17.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Sanibel Captiva Community BankHQ	2406 Periwinkle Way	Sanibel	FL	11
Sanibel Captiva Community Bank	15975 Mcgregor Blvd	Fort Myers	FL	11
Sanibel Captiva Community Bank	7040 Winkler Rd	Fort Myers	FL	11
Sanibel Captiva Community Bank	7500 College Pkwy	Fort Myers	FL	11
Sanibel Captiva Community Bank	11691 Gateway Blvd	Fort Myers	FL	11
Sanibel Captiva Community Bank	1533 Hendry St	Fort Myers	FL	11
Sanibel Captiva Community Bank	9311 College Pkwy	Fort Myers	FL	11
Sanibel Captiva Community Bank	1019 Periwinkle Way	Sanibel	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.