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Seacoast National Bank

Stuart, FL · Cert 131 · Seacoast Banking Corp. of FL

National charter · OCC · 106 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

37

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Seacoast National Bank

Stuart, FL · Cert 131 · Seacoast Banking Corp. of FL

National charter · OCC · 106 branches

Q2 2026

$21.3BAssets
$13.2BLoans
$16.8BDeposits
$3.0BEquity
Loan mix
83%RE $10.1B16%C&I $1.9B1%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $12.6B25%Noninterest $4.2BQ2 2025Q2 2026

NIM

4.72%Q2 ’244.73%Q2 ’254.77%Q2 ’26+10%+10%

Non-interest income vs. expense

2.26%Q2 ’242.25%Q2 ’252.28%Q2 ’26-1%+6%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 1.0% share · #21 of 86 inst. · $3.5B of $348.8B

51.1% Sumter
33.9% Martin
2.5% Palm Beach
0.7% Miami-Dade

Executive Summary

  • Earnings: ROA of 0.88%, down 9 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.66% of loans (+5 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 9.84%, down 52 bps from a year ago.
  • Funding: loans stand at 78.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+32 bps YoY

Efficiency Ratio (YTD, annualized)

54.17%-399 bps YoY

Tier 1 Leverage Ratio

9.84%-52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.95%0.91%0.62%0.88%-9 bps
Return on Equity6.84%6.69%6.35%4.25%6.11%-73 bps
Net Interest Margin3.26%3.22%2.77%3.58%3.58%+32 bps
Efficiency Ratio58.16%58.83%57.67%54.65%54.17%-399 bps
Non-Interest Burden1.70%1.71%1.45%1.82%1.80%+9 bps
Growth
Asset Growth (YoY)6.64%9.94%37.34%34.41%33.89%+2,725 bps
Loan Growth (YoY)5.70%7.43%22.56%21.04%23.98%+1,828 bps
Deposit Growth (YoY)3.16%6.92%32.79%32.31%34.37%+3,121 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.56%0.57%0.75%0.66%+5 bps
Net Charge-Offs / Loans0.18%0.15%0.11%0.10%0.10%-8 bps
Allowance / Loans1.34%1.34%1.41%1.39%1.38%+4 bps
Allowance Coverage of NPLs2.2x2.4x2.5x1.9x2.1x-0.1x
Capital
Tier 1 Leverage Ratio10.36%10.42%9.69%9.87%9.84%-52 bps
Total Risk-Based Capital14.95%15.05%15.07%15.12%14.80%-14 bps
Equity / Assets14.04%14.23%14.58%14.35%14.24%+20 bps
Liquidity & Funding
Loans / Deposits84.91%83.80%77.74%76.05%78.35%-656 bps
Liquid Assets / Assets4.66%4.54%3.62%5.35%3.50%-116 bps
CRE / Total Capitaln/a369%349%344%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Seacoast National Bank

Stuart, FL · Cert 131 · Peer group: banks over $10B in assets (n=142-144) · Seacoast Banking Corp. of FL

National charter · OCC · 106 branches

Q2 2026

$21.3BAssets
$13.2BLoans
$16.8BDeposits
$3.0BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 87% of banks over $10B in assets (rank 19 of 144).
  • Widest gap: return on equity trails 92% of banks over $10B in assets (rank 132 of 144).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.87%

Rank 126 of 144

Net Interest Margin

3.58%

Rank 47 of 144

Efficiency Ratio

59.03%

Rank 91 of 144

Equity / Assets

14.24%

Rank 19 of 144

Non-interest income vs. expense

$103.5M$484.6MINCOMEEXPENSE
Unfavorable gap of $381.2M · efficiency ratio beats 37% of banks over $10B in assets
Bank 59.03%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%1.00%1.26%1.54%Beats 13%126 / 144
Return on Equity6.10%8.98%11.34%14.40%Beats 8%132 / 144
Net Interest Margin3.58%2.82%3.31%3.68%Beats 67%47 / 144
Efficiency Ratio59.03%49.42%56.02%62.41%Beats 37%91 / 144
Asset Quality
Nonperforming Loans / Loans0.66%0.48%0.73%1.07%Beats 56%64 / 142
Net Charge-Offs / Loans0.06%0.05%0.11%0.22%Beats 67%48 / 142
Capital
Tier 1 Capital Ratio13.55%12.07%12.98%14.92%Beats 59%58 / 144
Total Risk-Based Capital Ratio14.80%13.39%14.14%16.25%Beats 58%60 / 144
Equity / Assets14.24%9.69%11.39%12.96%Beats 87%19 / 144
Liquidity & Funding
Loans / Deposits78.35%75.72%84.92%91.56%30th pctl100 / 143
Loans / Assets61.70%59.83%69.07%74.80%31st pctl100 / 144
Brokered Deposits / Depositsn/aNot reported for this institution