Question 1

What is Sanibel Captiva Community Bank?

Accepted Answer

Sanibel Captiva Community Bank, commonly known as SanCap Bank, is a locally owned and operated community bank headquartered on Sanibel Island, Florida. With over $1 billion in total assets, the bank serves Southwest Florida's Lee County through eight full-service locations. SanCap Bank employs over 120 team members and maintains a customer base of more than 15,000 individuals and businesses.

The bank is consistently nationally ranked as a top-performing community bank by S&P Global Market Intelligence and rated 4 to 5 stars by Bauer Financial, an independent bank rating firm. SanCap Bank generates one of the highest returns on equity among Florida banks in its asset class.

Question 2

When was Sanibel Captiva Community Bank founded?

Accepted Answer

Sanibel Captiva Community Bank was founded and chartered in 2003 on Sanibel Island by Craig Albert, who served as the bank's founding President and CEO. The bank opened with $48 million in loans and deposits and $30 million in total assets, primarily serving the residents and businesses of Sanibel and Captiva islands.

The institution celebrated its 20th anniversary in 2023. In January 2023, Kyle DeCicco succeeded Craig Albert as President and CEO, with Albert transitioning to Chair of the Board of Directors.

Question 3

Where is Sanibel Captiva Community Bank headquartered?

Accepted Answer

Sanibel Captiva Community Bank is headquartered on Sanibel Island in Lee County, Florida. The main office is located on Periwinkle Way in Sanibel.

Question 4

Where does Sanibel Captiva Community Bank operate?

Accepted Answer

Sanibel Captiva Community Bank operates eight locations throughout Lee County, Florida. The bank's network includes its original Sanibel Island headquarters, branches on Captiva Island, and multiple offices in Fort Myers, Cape Coral, and surrounding Lee County communities.

Over the past seven years, the bank has experienced significant expansion beyond the barrier islands, opening six branches in mainland Lee County to serve the growing Southwest Florida market.

Question 5

What services does Sanibel Captiva Community Bank offer?

Accepted Answer

Sanibel Captiva Community Bank provides comprehensive personal and business banking services customized to individual and commercial needs. The bank offers personal and business checking accounts, savings products, and a full array of digital banking services including mobile banking apps, Card Hub, online bill pay, and Zelle.

The residential lending division, established in 2008, has funded over $2.5 billion in residential loans and comprises nearly 25% of the bank's workforce. The commercial lending department, added in 2016, has successfully closed $500 million in commercial loans.

Business services include treasury management solutions such as Positive Pay, ACH Manager, remote deposit capture, and commercial lending products. The bank provides instant-issue debit cards at branch locations.

Question 6

What makes Sanibel Captiva Community Bank unique?

Accepted Answer

SanCap Bank distinguishes itself through exceptional employee retention, with turnover of just over 2%, and employee ownership, with more than 60% of team members holding bank shares. The bank has maintained a strong culture of community investment, contributing over $4.5 million to more than 400 local charitable causes since 2003. Employees volunteer nearly 1,000 hours annually, with almost 20% serving in leadership roles in community organizations.

Following Hurricane Ian's devastating impact on Sanibel and Captiva islands in 2022, SanCap Bank immediately mobilized recovery efforts. The bank opened its Sanibel parking lot to provide customers with cash services and safety deposit box access days after the storm, served over 1,500 free meals to residents and relief workers, and donated over $100,000 to 12 local relief organizations.

The bank's awards include the 2022 Greater Fort Myers Chamber of Commerce Large Business of the Year Award, 2021 Sanibel Captiva Islands Chamber of Commerce Business of the Year, and multiple recognitions from Gulfshore Business as Best Bank in Lee County. In 2025, SanCap Bank was named a GrowFL Florida Company to Watch.

Question 7

What type of financial institution is Sanibel Captiva Community Bank?

Accepted Answer

Sanibel Captiva Community Bank is a state-chartered community bank with a commercial lending specialization. As a locally owned institution, the bank maintains independence from large banking conglomerates, allowing for local decision-making and personalized service.

The bank's foundation is built on relationships rather than conventional banking models, emphasizing community engagement and neighbor-focused banking solutions that distinguish it from regional and national competitors in Southwest Florida.

Sanibel Captiva Community Bank

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About Sanibel Captiva Community Bank in the United States