# SEACOAST NATIONAL BANK
STUART, FL · FDIC certificate 131 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $21.34B | |
| Deposits | $16.80B | |
| Loans and leases | $13.16B | |
| Total equity | $3.04B | |
| Loans / deposits | 77.27% (p28 of band) | 85.78% |
| Liquid assets / assets | 28.98% (p74 of band) | |
| Uninsured deposits / deposits | 36.31% (p42 of band) | 38.39% |
| Brokered deposits | 2.87% | |
| Wholesale funding | 9.00% (p56 of band) | |
| FHLB advances / assets | 3.91% | |
| Tier 1 leverage | 9.84% (p41 of band) | 10.17% |
| Unrealized securities loss / equity | -7.37% (p51 of band) | -7.43% |
| AOCI / equity | -0.23% (p58 of band) | |
| ROA (annualized) | 0.88% (p20 of band) | 1.24% |
| Net interest margin | 3.83% (p66 of band) | 3.57% |
| Efficiency ratio | 54.17% (p49 of band) | |
| Noncurrent loans | 0.66% (p51 of band) | 0.66% |
| Net charge-offs (annualized) | 0.06% (p42 of band) | |
| Reserve coverage of noncurrent | 210.37% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 28.25% (p49 of band) | |
| Auto loans | $10.7M (0.08% of loans; DQ 1.58%, NCO 0.00%) | |
| Loans to nondepository financials | $66.4M (2% of equity) (p31 of band) | |
| Deposits YoY | 34.4% | |
| Employees | 1935 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 4 | capital falling, losing money |  |
| 2012-09 | 2 |  | capital falling, losing money |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | capital falling | expense ratio p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 | expense ratio p90 | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | capital falling | expense ratio p90 |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | expense ratio p90 |  |
| 2016-06 | 0 |  | expense ratio p90 |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | wholesale funding >15% |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | wholesale funding >15% |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | securities losses >30% of equity | capital falling |
| 2022-12 | 0 |  | securities losses >30% of equity |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-02 [Seacoast National Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE00NnlmVFE5RjhxVmc4RFBDZDVpa1BxdlFvYjQ5V2dtcUwtV0U2am5Ea2JUXzB1X3pHdUN3U2NUWHZGT0JOY0U2eVVRYkZ0aXZpcFRWdGt3V3FWelFVU2Zwakxxb2VGUGE4NmlfbWZ1THQxOXFIUVVhdmZ3?oc=5) · reveliolabs.com
- 2026-04-23 [Seacoast Banking Corporation of Florida Declares Quarterly Dividend on Common Stock and Preferred Stock - Business Wire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPOWUtTGtUbVMzN2U1dF9IZEtIN1NNZFVZcHU1TElNdDVwMFJwTWFEQlRsYzNSVGNqd2hneV84MV8tM18xYnFOVWs4YXpGbzY1M1dHMXhVeVB5UnlRY3BEU3d1X0J0NExiNWhTT0tZMzJoNm9jMlN1c1BuMHp3S0p4QUJPdjRDRFVHLXJqNnpadUxucmJSZkpoZmR5TmJTWFpLejg4aVhVQmxTckFHR19LRVNGbjQwYlBJN1JPS29FblQ2YTZiMEs3N29lc1l0eF8yaEptcHJjWEY2OTl4TGk2R1c3d0V0c2lIVnhKeDZ0b09tdw?oc=5) · Business Wire
- 2026-08-31 [Bank of New York Mellon Corp Makes New Investment in Seacoast Banking Corporation of Florida $SBCF - MarketBeat](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQOWg4Tl9vaFcwQ00xT2FUTXEzLXBVSUI5TE5tMXpKLVk4aWY2OEhRX050ODZ4eDB1NC1mN3FCSGRncHZuYmVaSlgtNHhMZ1J4WDNIMThZV194VmM5cmdUckN6TGwyRXZGS25jRU9sV1VwZEFvVDBDeHZaOFlhcWU0aFdYd1dSNElhWDVnNG5VWVMySENPUGY2WmNoeTJxLThwTEtScE1vcEw0NFZiLVpaN3VlZVhMcFNRRWNOcF91anVVVExfMHpkNnRIbHpRX0x2emdRcWh5MUE0QmRQLU41Q0NDSmZZRjJHNFE2VGg3bw?oc=5) · MarketBeat
- 2026-07-09 [Seacoast Bank marks 100th anniversary with community initiatives - WFTV](https://news.google.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?oc=5) · WFTV
- 2026-04-07 [Seacoast Bank appoints Atlanta-based M&A expert to board of directors - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNM3FBNlhUV081b0NVSlNhby12SC1Mb19fbXpaU3hNR0ZRcENwa19sZlVIUVhzTi1GX1V2VUYxY0VlTWNtamp3WGVKQ3A2SmlTUUcyVjdudlFFbTRIUTgtUDdXc1RGM3ljZGJjbTNMZF8wOGNzaFRPNS1hSmpxbE9HNHU4azJ5M180RFRMdnAtQWs0WVdfVHUtN05rOU9kcFp0?oc=5) · The Business Journals
- 2026-03-26 [Seacoast Banking Corporation of Florida Appoints Three New Independent Directors - Business Wire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNWHhiQ25Gbzd4elJJUDhRXzNNY3hhbnJXZkQ2MUlZTFNtQVM5Qkt1aDczRFJUUC03aXRoTVlLVmVPLUtqMjZhVjVtYllVWEFJOEdXSE84Um5MOVVqSHVoQTBmTFl6a2I3VHlVVm5XMkJybVMyQUpkS3FJSDJqdjJYVFdIZi1KRWprOUFldDRDM0NDWFQ2RVBRdW1zempzV0cyNTlqa2pYc000NEhrSnlPdkswZnNCXzMzU0dXN1lfV2pRQWxmOUViZDk4cEZ1dF95ZHdF?oc=5) · Business Wire
- 2025-02-28 [Florida serial acquirer strikes again with $110M deal - Banking Dive](https://news.google.com/rss/articles/CBMisgFBVV95cUxQbWlSc1FqMWtKbFdfdy1jN043dHdQejEyc0NOTm1sZThoaWxXY3JhQzJqbGxmQ0ZLZjlSa0NTQXZGUnpwRVlyQmZ1WDY5VUZsYW5lZzB2YUZsWFF0UFY1amhPZ2pRd1I4YkZIXzFWZkViYW9oWU1ldlFSeFJFYjFaSVdCWFM4VzItckhoRGFZVTl1YVRYRVJfQlRuWE5YU28xWGlFOEZuMzFTc0VLcG81YXp3?oc=5) · Banking Dive
- 2025-09-23 [A look at Seacoast Bank's design for its new corporate headquarters - Treasure Coast News](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOWHFEbHRnTllNWjl6emRnM2NWOHVocDUyY2diT1gxQXlCdXlIeGRTTWhkcGNUSklodTNzOHZmTDFaZk9SU1FvT2dJOGZsTHgyZ2J2WnhNNFJjZ0VBVjBrWjVkUnRZNUR2alhiTWJseDNXNENRakYzOWhFZlo1ak4yRVhCTExyUm0xZVMtcHRUbEJ0T1g2azhSelhKM1pGRER4Ni1jNkhmSUNXQkxpZlFPQ00xa3MtRU43X1JSM19ONS1rUXBzVjYxaVV0NERPSFFmODhfRDRrR0pBUEN4bG45R1ZCTVBxRVBaM2c?oc=5) · Treasure Coast News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=131 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "131", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide