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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.92% | 0.83% | 1.10% | 0.92% | 0.85% | 0.62% | 1.14% | +4 bps | |
| Return on Equity | 5.80% | 6.39% | 5.83% | 7.83% | 6.47% | 5.91% | 4.25% | 7.97% | +13 bps | |
| Net Interest Margin | 2.99% | 3.20% | 3.23% | 3.37% | 3.40% | 3.48% | 3.58% | 3.62% | +25 bps | |
| Efficiency Ratio | 59.57% | 55.71% | 60.02% | 56.44% | 60.04% | 55.11% | 54.65% | 53.71% | -273 bps | |
| Non-Interest Burden | 1.61% | 1.56% | 1.77% | 1.68% | 1.86% | 1.78% | 1.82% | 1.79% | +11 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 | 0.29% | 0.24% | 0.27% | 0.09% | 0.12% | 0.03% | 0.10% | 0.10% | 0 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 | |