Tranquil Times

The marketplace for Sanibel Captiva Community Bank, the only community lender chartered on Sanibel Island, is mostly relaxed and peaceful.

But don't mistake tranquility for silence when it comes to performance.

The $225.7-million-asset institution is one of the leaders among all 45 Gulf Coast-based banks in return on equity and return on assets. Sanibel Captiva posted a 10.75% return on equity in the second quarter, a 12.56% change from the second quarter last year, when the bank held a -1.81% return on equity. The bank's year-over-year turnaround on return on assets also reversed a decline: Sanibel Captiva had 1.03% return on assets in the second quarter, up 1.19% from -0.16% in 2012.