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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Sanibel Captiva Community Bank

Sanibel, Florida · $976M in assets · beside the 11 other Florida banks between $300M and $1B

The filing

103.7%
Loans / deposits
12th of 12
24.8%
CRE / loans
1st of 12
0.67%
NPA / loans
11th of 12

Sanibel Captiva Community Bank is the largest of the 12 Florida banks nearest its size between $300M and $1B, with $976M in assets at 30 June 2026. Loans are 103.7% of deposits, the highest in the cohort against a median of 77.5%, and equity is 9.9% of assets, 5th of 12. Loans grew -3.9% in the year, 10th of 12, and deposits fell 3.5%; the cohort's median loan growth is +6.6%.

Noncurrent loans are 0.67% of the book, 11th of 12 against a median of 0.13%; 0.74% is 30 to 89 days past due, and the allowance covers them 1.5 times. Net charge-offs are 0.17% of loans, the highest in the cohort. Commercial real estate is 24.8% of loans, the lowest in the cohort against a median of 43.0%, and 197% of capital, below the 300% screen, with construction at 66% against the 100% screen.

Return on assets is 1.95%, 2nd of 12 against a median of 1.12%, on an efficiency ratio of 49.1%, 2nd of 12. Five years ago it was 1.40%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansFL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 43.0% SC Sanibel Captiva Community Bank 24.8% FB First Bank 29.0% AB Axiom Bank National Association 30.3% FC Florida Capital Bank N.A. 32.3% MC Mainstreet Community Bank of Florida 36.1% FB FNBT Bank 41.1% US United Southern Bank 44.8% SB Sunrise Bank 45.3% AB Anchor Bank 45.5% SB Sunstate Bank 51.0% TN Terrabank National Association 57.6% FB Flagship Bank 58.8%
Loans, year over yearFL banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.6% AB Anchor Bank +33.0% MC Mainstreet Community Bank of Florida +19.2% TN Terrabank National Association +16.1% FB Flagship Bank +12.4% US United Southern Bank +10.6% SB Sunrise Bank +7.4% FC Florida Capital Bank N.A. +5.7% FB First Bank +5.5% SB Sunstate Bank +1.9% SC Sanibel Captiva Community Bank -3.9% FB FNBT Bank -7.5% AB Axiom Bank National Association -9.6%

SBA 7(a), FY2008 to FY2026

Sanibel Captiva Community Bank is the 138th largest 7(a) lender into Florida of 528, with $24M across 30 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 1 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Lee, FL$11M29th of 1691.0%+1.1 pts
Collier, FL$4M40th of 1360.7%thin
Orange, FL$3M93rd of 2010.2%thin
Clark, NV$3M102nd of 2290.1%thin
Hillsborough, FL$2M107th of 1950.1%thin
Charlotte, FL$1M47th of 990.5%thin
Sarasota, FL$783K96th of 1380.1%thin
Broward, FL$415K181st of 2090.0%quiet FY2019
Osceola, FL$320K101st of 1150.1%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services5$7M24.4%0.01%716th of 2,596
Construction3$6M22.8%0.02%498th of 2,063
Professional & technical services2$3M11.6%0.01%592nd of 1,955
Educational services1$2M8.0%0.04%304th of 1,136
Retail trade4$2M7.1%0.00%1196th of 2,589
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Sanibel Captiva Community Bank
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans SC Sanibel Captiva Community Bank 0.1% $24M · 30 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
Sanibel Captiva Community BankRankCohort median
Total CRE against capital, the 300% screen197%4th of 12242%
Construction against capital, the 100% screen66%9th of 1253%
Construction and land development, share of loans8.4%7th of 127.3%
Non-owner-occupied nonfarm nonresidential, share of loans15.9%2nd of 1229.8%
Total CRE, the guidance definition, share of loans24.8%1st of 1243.0%
CRE growth over 36 months, the third prong+14.1%4th of 12+41.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Sanibel Captiva Community Bank$976M1.9%49.1%0.67%0.17%1.0%103.7%9.9%
Mainstreet Community Bank of Florida$953M1.0%61.9%1.27%-0.01%1.2%84.9%8.8%
Terrabank National Association$898M0.7%73.4%0.11%0.00%1.4%76.5%8.7%
United Southern Bank$843M1.2%61.7%0.44%0.02%2.0%61.1%7.6%
First Bank$811M1.5%56.0%0.31%0.00%1.7%69.0%9.6%
Anchor Bank$806M3.2%33.9%0.15%0.00%0.7%74.5%8.3%
Flagship Bank$803M1.0%60.3%0.02%0.01%1.0%94.0%12.2%
Axiom Bank National Association$732M0.2%112.3%0.06%0.00%0.9%78.5%12.2%
Florida Capital Bank N.A.$713M0.9%74.4%0.16%0.00%1.2%84.5%9.8%
FNBT Bank$629M1.5%60.1%0.00%-0.08%1.5%43.7%11.3%
Sunrise Bank$623M1.3%59.8%0.10%0.00%1.2%92.6%8.5%
Sunstate Bank$580M1.0%72.3%0.00%0.00%0.9%68.0%12.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Sanibel Captiva Community BankCohort median
20212026Change20212026Change
Loans$473M$835M+76%$297M$503M+69%
Deposits$735M$806M+10%$523M$663M+27%
NPA / loans0.00%0.67%+0.67 pts0.16%0.13%-0.03 pts
Efficiency52.6%49.1%-3.5 pts75.5%61.0%-14.4 pts
ROA1.40%1.95%+0.55 pts0.70%1.12%+0.41 pts

This read was prepared for Sanibel Captiva Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Sanibel Captiva Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks $300M to $1B
Institution www.sancapbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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