The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 15 points (53 → 68), mostly because the loan quality component improved by 41 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Florida

Yes. Sanibel Captiva Community Bank is an FDIC-insured institution (FDIC certificate #57425). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.1% of deposits ($210.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.92%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.85% (benchmark: 10%).

Check how much of your own balance is covered

Sanibel Captiva Community Bank lists 8 offices in 2 cities. Most locations:

• Fort Myers, FL (6)
• Sanibel, FL (2)

All branch addresses and map

In 2025, Sanibel Captiva Community Bank reported 127 home-loan applications under HMDA (LEI 549300RMUJVUQYCW8836): 83 originated ($62,035,000 total), 4 denied, and 35 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Sanibel Captiva Community Bank

Type

State-chartered bank

FDIC certificate #

57425

RSSD ID

3122994

Primary regulator

FDIC

Established

January 21, 2003

Headquarters

2406 Periwinkle Way, Sanibel, FL 33957

Website

www.sancapbank.com

Employees

122