🏦Bank Scorer

SANIBEL CAPTIVA COMMUNITY BANK

SANIBEL, FL · Supervised by FDIC

Est. 2003FDIC #57,425RSSD: FDIC-57425
Satisfactory Same

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.73%

Institution Profile

FDIC BankFind

Address

2406 Periwinkle Way, SANIBEL, FL

County

Lee County

Established

January 21, 2003

Total Assets

$1.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$912M

Net Loans

$859M

Net Income

$4M

ROA

1.73%

ROE

19.25%

Risk-Based Capital

13.08%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate2.53%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$835M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202419867.17%2.53%
202337069.19%1.08%
202239870.85%2.01%
202135563.94%2.82%
202031665.82%3.16%
201924669.92%4.07%
201834167.74%8.21%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2005

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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