Visbanking Logo
Skip to main content

Sanibel Captiva Community Bank

IDRSSD: 3122994
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q3QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #3122994 2024-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -5
71
Sub-score

Liquidity is stable: brokered 10.2%, loans/deposits 99.3%, cash 6.6% of assets.

Cash / Assets
6.59%
Loans / Deposits
99.33%
Brokered %
10.24%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.75%
No watch items at this period.

Capitalization

StableQoQ +2
69
Sub-score

Capital position is stable: Tier 1 RBC 11.45%, CET1 11.45%, leverage 8.91%.

Tier 1 RBC
11.45%
CET1
11.45%
Leverage
8.91%
No watch items at this period.

Asset Quality

StrongQoQ 0
93
Sub-score

Asset quality is strong: Adjusted NPL 0.93%, Texas Ratio 8.3%, NCO YTD 0.00%.

Adjusted NPL
0.93%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
0.00%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
0.27%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ 0
47
Sub-score

Reserves are deteriorating: ALLL 1.00% of loans, coverage 108.6%, true coverage 65.3%.

ALLL / Loans
1.00%
Coverage
108.6%
True Loss Coverage
65.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 03:41:27 UTC