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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q2QoQ -7

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

Quarterly Headline

2025-Q2

Bank #3122994 2025-Q2 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.1% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -16

The five pillars

Liquidity

StableQoQ -5
70
Sub-score

Liquidity is stable: brokered 9.1%, loans/deposits 103.1%, cash 6.6% of assets.

Cash / Assets
6.60%
Loans / Deposits
103.06%
Brokered %
9.08%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.71%
No watch items at this period.

Capitalization

StableQoQ -3
65
Sub-score

Capital position is stable: Tier 1 RBC 11.19%, CET1 11.19%, leverage 8.74%.

Tier 1 RBC
11.19%
CET1
11.19%
Leverage
8.74%
No watch items at this period.

Asset Quality

StableQoQ -14
77
Sub-score

Asset quality is stable: Adjusted NPL 1.91%, Texas Ratio 17.4%, NCO YTD 0.03%.

Adjusted NPL
1.91%
Govt-guarantees stripped
Texas Ratio
17.4%
NCO YTD
0.03%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
0.24%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -16
27
Sub-score

Reserves are weak: ALLL 0.99% of loans, coverage 52.1%, true coverage 50.8%.

ALLL / Loans
0.99%
Coverage
52.1%
True Loss Coverage
50.8%
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