Side-by-side · Q2 2026 data
Terrabank, National Association vs Sanibel Captiva Community Bank
Metric by metric
| Measure | Terrabank, National Association | Sanibel Captiva Community Bank |
|---|---|---|
| TellerScore | 65 | 68 (stronger) |
| Capital cushion | 48 | 49 (stronger) |
| Loan quality | 96 (stronger) | 78 |
| Earnings | 49 | 95 (stronger) |
| Funding & liquidity | 47 (stronger) | 45 |
| Problem-loan coverage | 98 (stronger) | 83 |
| Peer percentile | 29th | 37th |
| Total assets | $897.7M | $976.2M |
| Deposits / shares | $791.4M | $805.9M |
| Capital ratio | 9.83% | 9.92% (stronger) |
| Problem loans | 0.11% (stronger) | 0.67% |
| Net charge-offs | 0.00% (stronger) | 0.17% |
| Return on assets | 0.71% | 1.88% (stronger) |
| Loans ÷ deposits | 75.4% (stronger) | 102.6% |
| Uninsured deposits | 49.0% | 26.1% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | 4.3% |
Sanibel Captiva Community Bank has the higher TellerScore (68 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Terrabank, National Association leads on 3 and Sanibel Captiva Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.