Sanibel Captiva Community Bank: how it compares with its peers
Against 23 FL banks with half to twice its assets, Sanibel Captiva Community Bank's strongest measure in Q2 2026 is net interest margin (5.31% vs. a 3.53% peer median). Its weakest relative measure is assets per employee ($8.0M vs. $8.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.88% | 1.20% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.31% | 3.53% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.09% | 60.30% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $8.6M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.62% | 74.47% | Context |
What it means for lending operations
Its efficiency ratio of 49.09% is better than the 60.30% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Mainstreet Community Bank of Florida Deland, FL · $953M
- Brannen Bank Inverness, FL · $1.03B
- Terrabank, National Association Coral Gables, FL · $898M
- United Southern Bank Umatilla, FL · $843M
- BayFirst National Bank Saint Petersburg, FL · $1.14B
- First Bank Clewiston, FL · $811M
Questions about Sanibel Captiva Community Bank
How big is Sanibel Captiva Community Bank?
Sanibel Captiva Community Bank, established in 2003, is headquartered in Sanibel, FL. It reported $976M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Sanibel Captiva Community Bank's return on assets?
1.88% annualized in Q2 2026, against a 1.20% median for 23 FL banks with half to twice its assets, ahead of 87% of them.
What is Sanibel Captiva Community Bank's efficiency ratio?
49.09% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 60.30%, and lower is better.
Is Sanibel Captiva Community Bank growing its loans?
Net loans shrank 3.9% over the year to Q2 2026, while deposits shrank 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.