Our Name Explains Our Success


Sanibel Captiva Community Bank
Sanibel, Fla.
ROAE in 2015: 15.15 percent
Assets: $277 million
Retail locations: Five
Employees: 62
Founded: 2003
Website: www.sancapbank.com

By Craig Albert

We are blessed to call Sanibel and Captiva islands home. The city of Sanibel proclaims that it is dedicated to preserving this “barrier island sanctuary, one in which a diverse population lives in harmony with the Island’s wildlife and natural habitats.” Echoing that philosophy, Sanibel Captiva Community Bank is dedicated to supporting our community and the preservation of our natural surroundings, including our pristine beaches, which are world-famous for shelling.

Our directors are well known on Sanibel Island; our chairman and our president and CEO have been bankers there for more than 30 years and are firmly established in the community. Other board members represent the restaurant and hospitality industry, title agency business, accounting and legal professions, and investment banking industry. Roughly a quarter of the bank’s initial stock offering was made to real estate professionals, providing the bank with a solid referral source for loans. Our loan portfolio reflects our market, with 65 percent of our loans in the residential sector.

We have built our bank by treating members of our community as neighbors. We provide superior individual customer service in originating and servicing loans. We work at making the loan process as easy as possible, and we offer competitive bids. That service-oriented approach carries over to our deposit services, where we handle each and every customer with individual attention. We have enhanced our customer service with state-of-the-art software and a mobile banking app that helps customers handle transactions in ways that are the easiest and most convenient for them.

Our employees are the critical component in maintaining this customer-centric service model, and nearly one-third of our staff has been with the bank a decade or longer.
We firmly believe in giving back to the community that has supported the bank. During 2015, the bank, its officers and employees volunteered or provided financial support for 85 not-for-profit organizations. The majority of the bank’s advertising dollars are spent in the form of sponsorships for organizations that touch so many people in our community.

Because of our commitment to the islands, our community and our neighbors, we are fully invested, with our loan-to-deposit ratio hovering around 100 percent with a net interest margin of 4.25 percent. The bank generates the third-highest return on equity of Florida’s 157 chartered banks and has expanded from one location in 2003 to five in 2016.

Craig Albert (calbert@sancapbank.com) is president and CEO of Sanibel Captiva Community Bank. He has more than 34 years of banking experience and was named Sanibel & Captiva Islands 2015 Business Person of the Year.