Sanibel Captiva Community Bank has provided over $188 million in residential, business, construction and homeowners’ association loans across Sanibel and Captiva Islands, helping to drive recovery and rebuilding efforts in the wake of Hurricanes Ian, Helene and Milton.
This milestone reflects the bank’s unwavering commitment to helping island residents, businesses and organizations rebuild and recover in the aftermath of the devastating storms. Since the hurricanes, Sanibel Captiva Community Bank has played a critical role in providing financial support to those working to restore homes, reopen businesses and revitalize the island economy.
“Our mission has always been to support our island home, and that commitment has never been more important than in the wake of these hurricanes,” said Kyle DeCicco, president and CEO of Sanibel Captiva Community Bank. “We’re ensuring that every dollar deposited with us is reinvested back into our islands and all of Southwest Florida, helping our neighbors rebuild. As a true community bank, we take pride in being a financial partner that stands by our customers when they need us most.”
Over the past decade, Sanibel Captiva Community Bank has maintained an average loan-to-deposit ratio of 92%, reflecting its commitment to reinvesting in the community. This ensures that nearly every dollar deposited is used to fund local loans that foster economic recovery and stability. Unlike many other financial institutions focused on profits first, the bank remains dedicated to supporting the islands’ recovery and addressing their unique needs in the wake of the storms.
Since Hurricane Ian, the bank has not only provided significant lending but also donated over $1.7 million to local community causes. Its employees have contributed nearly 3,000 volunteer hours to support a range of initiatives, including recovery efforts, collaborations with local organizations and offering crucial assistance to community members facing challenges in the storm’s aftermath.
Founded in 2003, Sanibel Captiva Community Bank has eight locations open throughout Lee County. In Fort Myers, at the bank’s McGregor Branch, located at 15975 McGregor Blvd., the staff is operating out of a temporary mobile banking unit due to major flood damage to the existing building. Construction on the new building is underway and is expected to be completed in 2025. The bank recently purchased property on Fort Myers Beach for its ninth and newest location opening in 2026.
The bank is nationally ranked in the top 2% best-performing community banks by S&P Global Market Intelligence out of more than 4,400 banks with assets under $1 billion. It is well-capitalized and generates one of the highest returns on equity of all Florida banks. The bank employs more than 120 employees, and more than 60% are current shareholders. Since 2003, the bank has contributed well over $4.5 million to over 400 local, charitable causes and employees volunteer close to 1,000 hours annually.
Sanibel Captiva Community Bank’s team members provide customized individual and business banking services and specialize in residential and commercial lending. The bank offers personal and business checking, residential and commercial lending services, instant issue debit cards and a full array of digital banking products and services, including mobile banking apps, CardHub, online bill pay, Zelle®, Positive Pay and ACH Manager. To learn more, visit sancapbank.com.
