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 | |