Seacoast National Bank
Seacoast National Bank reported total assets of $21.3 bn at Q2 2026, up 33.9% on a year earlier, the 99th largest of 497 banks in our US coverage. The CET1 capital ratio at Seacoast National Bank was 13.55%, and the uninsured share of Seacoast National Bank was 36.31%. Source: FDIC Call Reports.
Key takeaways
- Since , Seacoast National Bank has taken over 14 institutions; the latest was Citizens First Bank on (FDIC Call Reports).
- On efficiency ratio, Seacoast National Bank climbed from 256th to 212th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets Seacoast National Bank apart
How large is Seacoast National Bank?
The balance sheet of Seacoast National Bank at : assets $21.3 bn, deposits $16.8 bn, net loans $13.0 bn (loans equal to 77.27% of deposits). Securities make up 27.0% of total assets at Seacoast National Bank. Since , when Seacoast National Bank held $4.0 bn, its assets grew 433.5%. In the year to , deposits at Seacoast National Bank rose 34.4% while its total assets rose 33.9%. At , Seacoast National Bank employed 1,935 full-time equivalent staff across 118 offices, about $11.0 mn of assets per employee and $142.4 mn of deposits per office.
How much funding at Seacoast National Bank is uninsured?
At Seacoast National Bank, uninsured deposits (above the FDIC limit) made up 36.31% of domestic deposits at (+0.32 pp on a year earlier); Seacoast National Bank ranks 240th of 500 on this measure. In dollars, Seacoast National Bank estimated $6.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $16.8 bn | +34.4% | 101st of 499 |
| Net loans and leases | $13.0 bn | +23.9% | 108th of 500 |
| Loan-to-deposit ratio | 77.27% | -6.51 pp | 370th of 500 |
| Tier 1 leverage ratio | 9.84% | -0.52 pp | 324th of 500 |
| Total risk-based capital ratio | 14.80% | -0.14 pp | 187th of 448 |
| Net interest margin | 3.83% | +0.25 pp | 190th of 500 |
| Return on assets (ROA) | 0.88% | -0.09 pp | 423rd of 500 |
| Efficiency ratio | 54.17% | -3.99 pp | 212th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $98.3 mn | Narrowed by $11.8 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $111.7 mn | Narrowed by $44.1 mn | |
| Noncurrent loans to total loans | 0.66% | +0.05 pp | 271st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.10% | -0.08 pp | 268th of 500 (1 = lowest) |
US rank of Seacoast National Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Seacoast National Bank: assets, deposits and loans
- Total assets $21.3bn
- Deposits $16.8bn
- Net loans $13.0bn
Capital and securities
The CET1 ratio of Seacoast National Bank stood at 13.55% in , -0.15 pp year on year. Low and high at Seacoast National Bank since : 12.03% () to 16.69% (). Equity capital of Seacoast National Bank at : $3.0 bn, or 14.2% of total assets. Seacoast National Bank also reported a total capital ratio of 14.80% for , and a tier 1 leverage ratio of 9.84%.
On held-to-maturity securities, Seacoast National Bank carried an unrealized loss of $98.3 mn at , equal to 3.2% of equity capital. The loss narrowed by $11.8 mn over the year. Its deepest point: $154.2 mn in . The available-for-sale portfolio of Seacoast National Bank showed an unrealized loss of $111.7 mn at ; the loss narrowed by $44.1 mn over the year.
Seacoast National Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 9.8%
Seacoast National Bank: unrealized securities gains and losses
- Available for sale -$112mn
- Held to maturity -$98mn
Profitability and loan quality
For the year to , Seacoast National Bank earned a return on equity of 6.11%; return on assets: 0.88%. Net interest margin at Seacoast National Bank: 3.83%, +0.25 pp in a year. Seacoast National Bank net income: $92.7 mn, up 22.8% year on year. The efficiency ratio of Seacoast National Bank was 54.17%: about 54 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.66% of total loans at Seacoast National Bank; net charge-offs: 0.10% of average loans. Gross loans and leases at Seacoast National Bank: $13.2 bn, up 24.0% in a year.
Seacoast National Bank: profitability
- Return on equity 6.1%
- Net interest margin 3.8%
- Return on assets 0.9%
Peer group of Seacoast National Bank
The peer group of Seacoast National Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Seacoast National Bank (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Florida. Against them, Seacoast National Bank shows CET1 ratio 13.55% against a peer median of 13.55%, return on equity 6.11% against a peer median of 8.73% and uninsured deposit share 36.31% against a peer median of 42.39%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Financial Bank | State member bank | OH | $22.4 bn | 12.77% | 11.86% | 41.88% | |
| Beacon Bank and Trust | State member bank | MA | $22.2 bn | 11.77% | 9.41% | 38.34% | |
| Optum Bank, Inc. | State nonmember bank | UT | $21.4 bn | 17.86% | 17.52% | 3.78% | |
| Seacoast National Bank | National bank | FL | $21.3 bn | 13.55% | 6.11% | 36.31% | |
| First Merchants Bank | State nonmember bank | IN | $21.3 bn | 11.50% | 6.04% | 45.36% | |
| Mechanics Bank | State nonmember bank | CA | $21.2 bn | 15.48% | 7.33% | 42.90% | |
| Citizens Business Bank | National bank | CA | $21.2 bn | 14.33% | 8.05% | 54.18% | |
. FDIC Call Reports.
Last eight quarters
Two years at Seacoast National Bank, to : assets +40.7%, deposits +37.2%, equity +38.7%. Staff 1,469 to 1,935; offices 89 to 118.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $15.2 bn | $15.2 bn | $15.7 bn | $15.9 bn | $16.7 bn | $20.8 bn | $21.1 bn | $21.3 bn |
| Total deposits | $12.2 bn | $12.2 bn | $12.6 bn | $12.5 bn | $13.1 bn | $16.3 bn | $16.6 bn | $16.8 bn |
| Bank equity capital | $2.2 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.4 bn | $3.0 bn | $3.0 bn | $3.0 bn |
| CET1 ratio | 14.05% | 14.13% | 13.85% | 13.70% | 13.80% | 13.82% | 13.87% | 13.55% |
| Return on equity (ROE) | 5.56% | 5.78% | 5.83% | 6.84% | 6.69% | 6.35% | 4.25% | 6.11% |
| Uninsured share of domestic deposits | 35.53% | 36.41% | 37.13% | 35.99% | 37.94% | 37.21% | 37.45% | 36.31% |
| Full-time equivalent employees | 1,469 | 1,480 | 1,491 | 1,494 | 1,574 | 1,933 | 1,921 | 1,935 |
| Number of offices | 89 | 89 | 91 | 91 | 99 | 117 | 117 | 118 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Seacoast National Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Floridian Bank (FDIC certificate 58173).
- . Absorbed Gulfshore Bank (FDIC certificate 58762).
- . Absorbed NorthStar Bank (FDIC certificate 58520).
- . Absorbed Palm Beach Community Bank (FDIC certificate 58763).
- . Absorbed FIRST GREEN BANK (FDIC certificate 58874).
- . Absorbed First Bank of the Palm Beaches (FDIC certificate 58152).
- . Absorbed Freedom Bank (FDIC certificate 57945).
- . Absorbed Legacy Bank of Florida (FDIC certificate 58247).
- . Absorbed Sabal Palm Bank (FDIC certificate 58372).
- . Absorbed Florida Business Bank (FDIC certificate 35304).
- . Absorbed Drummond Community Bank (FDIC certificate 32737).
- . Absorbed Apollo Bank (FDIC certificate 35599).
- . Absorbed Professional Bank (FDIC certificate 58862).
- . Absorbed Heartland National Bank (FDIC certificate 35052).
- . Absorbed Citizens First Bank (FDIC certificate 33440).
Large one-quarter moves at Seacoast National Bank
- Total assets at Seacoast National Bank changed by +25.6% in the quarter to 2023-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Professional Bank.
Questions and identifiers
What were the total assets of Seacoast National Bank?
Seacoast National Bank reported $21.3 bn at in its Call Report. That makes Seacoast National Bank the 99th largest of 497 banks in our US coverage.
Is Seacoast National Bank the same as its holding company?
No. This page covers Seacoast National Bank, FDIC certificate 131; SEACOAST BANKING CORP OF FL (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Seacoast National Bank profitable?
Seacoast National Bank reported net income of $92.7 mn for the year to ; annualized return on equity: 6.11%. So yes: Seacoast National Bank made a profit over these months.
When is data for Seacoast National Bank next updated?
Figures from Seacoast National Bank for are due after .
Where can I check the figures for Seacoast National Bank?
In the FDIC BankFind Suite record for certificate 131, and in the Call Reports of Seacoast National Bank (RSSD ID 34537) at the FFIEC Central Data Repository.