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Sanibel Captiva Community Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q4QoQ -2

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

Quarterly Headline

2024-Q4

Bank #3122994 2024-Q4 Vital Signs Score: 74/100 — 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

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.3% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -4
67
Sub-score

Liquidity is stable: brokered 8.2%, loans/deposits 104.3%, cash 5.3% of assets.

Cash / Assets
5.27%
Loans / Deposits
104.29%
Brokered %
8.24%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.35%
No watch items at this period.

Capitalization

StableQoQ -4
65
Sub-score

Capital position is stable: Tier 1 RBC 11.10%, CET1 11.10%, leverage 8.83%.

Tier 1 RBC
11.10%
CET1
11.10%
Leverage
8.83%
No watch items at this period.

Asset Quality

StrongQoQ -2
90
Sub-score

Asset quality is strong: Adjusted NPL 0.93%, Texas Ratio 8.5%, NCO YTD 0.00%.

Adjusted NPL
0.93%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
0.00%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +1
48
Sub-score

Reserves are deteriorating: ALLL 1.01% of loans, coverage 109.9%, true coverage 67.4%.

ALLL / Loans
1.01%
Coverage
109.9%
True Loss Coverage
67.4%
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