BlastPoint's Banking Scorecard
Sanibel Captiva Community Bank
Community
Specialty: Commercial
FL
FDIC cert 57425
Sanibel, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Sanibel Captiva Community Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.34% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 24% in Community
- - Margin Compression: Bottom 65% in Community
- - Loan-to-Deposit Ratio 21.88% above tier
- - Nonperforming Asset Ratio 1.19% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+6.1% YoY
-3.1% QoQ
|
-$379.6M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$858.1M
+4.3% YoY
-2.4% QoQ
|
-$117.4M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$817.7M
+3.6% YoY
-3.9% QoQ
|
-$346.9M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.76%
-10.7% YoY
-6.0% QoQ
|
+0.59% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
5.00%
-2.2% YoY
+1.0% QoQ
|
+1.34% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
47.01%
+0.9% YoY
+0.2% QoQ
|
-15.62% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
1.15%
+24.1% YoY
-20.0% QoQ
|
+0.52% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
104.94%
+0.6% YoY
+1.5% QoQ
|
+21.88% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.16%
-5.1% YoY
-2.9% QoQ
|
+5.12% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
1.69%
+89.9% YoY
+14.3% QoQ
|
+1.19% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
11.52%
+3.8% YoY
+2.8% QoQ
|
+1.27% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.28%
+43.6% YoY
+53.1% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 6%
in Community
Why this stands out
Current:
5.00%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (4)
Credit Risk Growth
risk
#158 of 642 · Bottom 24% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#78 of 120 · Bottom 65% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.76%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
104.94%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.69%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 5.00% · Tier avg: 3.66%
89
89th pctile
Efficiency Ratio
Current: 47.01% · Tier avg: 62.63%
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.16% · Tier avg: 21.05%
61
61th pctile
Total Loans
Current: $858.1M · Tier avg: $975.5M
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
48
48th pctile
Total Deposits
Current: $817.7M · Tier avg: $1.2B
42
42th pctile
Tier 1 Capital Ratio
Current: 11.52% · Tier avg: 10.24%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.69% · Tier avg: 0.50%
7
7th pctile
Loan-to-Deposit Ratio
Current: 104.94% · Tier avg: 83.06%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 104.94% · Tier avg: 83.06%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.69% · Tier avg: 0.50%
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
42
42th pctile
Tier 1 Capital Ratio
Current: 11.52% · Tier avg: 10.24%
48
48th pctile
Total Deposits
Current: $817.7M · Tier avg: $1.2B
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
61
61th pctile
Total Loans
Current: $858.1M · Tier avg: $975.5M
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.16% · Tier avg: 21.05%
85
85th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.16%
89
89th pctile
Efficiency Ratio
Current: 47.01% · Tier avg: 62.63%
94
94th pctile
Net Interest Margin
Current: 5.00% · Tier avg: 3.66%