Stuart, FL · Cert 131 · Seacoast Banking Corp. of FL
National charter · OCC · 106 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
68
Asset Quality
62
Profitability
29
Liquidity
70
Efficiency
37
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.
Stuart, FL · Cert 131 · Seacoast Banking Corp. of FL
National charter · OCC · 106 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 1.0% share · #21 of 86 inst. · $3.5B of $348.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.83% | 0.83% | 0.97% | 0.95% | 0.91% | 0.62% | 0.88% | -9 bps | |
| Return on Equity | 5.56% | 5.78% | 5.83% | 6.84% | 6.69% | 6.35% | 4.25% | 6.11% | -73 bps | |
| Net Interest Margin | 2.95% | 2.99% | 3.23% | 3.26% | 3.22% | 2.77% | 3.58% | 3.58% | +32 bps | |
| Efficiency Ratio | 61.76% | 60.13% | 60.02% | 58.16% | 58.83% | 57.67% | 54.65% | 54.17% | -399 bps | |
| Non-Interest Burden | 1.68% | 1.63% | 1.77% | 1.70% | 1.71% | 1.45% | 1.82% | 1.80% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.33% | 4.08% | 6.08% | 6.64% | 9.94% | 37.34% | 34.41% | 33.89% | +2,725 bps | |
| Loan Growth (YoY) | 2.02% | 2.48% | 4.72% | 5.70% | 7.43% | 22.56% | 21.04% | 23.98% | +1,828 bps | |
| Deposit Growth (YoY) | 1.14% | 3.96% | 4.67% | 3.16% | 6.92% | 32.79% | 32.31% | 34.37% | +3,121 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.84% | 0.92% | 0.68% | 0.61% | 0.56% | 0.57% | 0.75% | 0.66% | +5 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.26% | 0.27% | 0.18% | 0.15% | 0.11% | 0.10% | 0.10% | -8 bps | |
| Allowance / Loans | 1.37% | 1.34% | 1.34% | 1.34% | 1.34% | 1.41% | 1.39% | 1.38% | +4 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.5x | 2.0x | 2.2x | 2.4x | 2.5x | 1.9x | 2.1x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.61% | 10.66% | 10.51% | 10.36% | 10.42% | 9.69% | 9.87% | 9.84% | -52 bps | |
| Total Risk-Based Capital | 15.27% | 15.30% | 15.10% | 14.95% | 15.05% | 15.07% | 15.12% | 14.80% | -14 bps | |
| Equity / Assets | 14.45% | 14.38% | 14.05% | 14.04% | 14.23% | 14.58% | 14.35% | 14.24% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.40% | 84.24% | 83.13% | 84.91% | 83.80% | 77.74% | 76.05% | 78.35% | -656 bps | |
| Liquid Assets / Assets | 6.95% | 5.74% | 5.37% | 4.66% | 4.54% | 3.62% | 5.35% | 3.50% | -116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 369% | 349% | 344% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 1.00% | 1.26% | 1.54% | Beats 13% | 126 / 144 | ||
| Return on Equity | 6.10% | 8.98% | 11.34% | 14.40% | Beats 8% | 132 / 144 | ||
| Net Interest Margin | 3.58% | 2.82% | 3.31% | 3.68% | Beats 67% | 47 / 144 | ||
| Efficiency Ratio | 59.03% | 49.42% | 56.02% | 62.41% | Beats 37% | 91 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.66% | 0.48% | 0.73% | 1.07% | Beats 56% | 64 / 142 | ||
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.11% | 0.22% | Beats 67% | 48 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.55% | 12.07% | 12.98% | 14.92% | Beats 59% | 58 / 144 | ||
| Total Risk-Based Capital Ratio | 14.80% | 13.39% | 14.14% | 16.25% | Beats 58% | 60 / 144 | ||
| Equity / Assets | 14.24% | 9.69% | 11.39% | 12.96% | Beats 87% | 19 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.35% | 75.72% | 84.92% | 91.56% | 30th pctl | 100 / 143 | ||
| Loans / Assets | 61.70% | 59.83% | 69.07% | 74.80% | 31st pctl | 100 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||