Seacoast National Bank
Also written as SNB
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Data as of · sourced from FFIEC call reports. How we update
Seacoast National Bank is an FDIC-insured commercial bank headquartered in Stuart, FL, established in 1933 (FDIC certificate 131), and it is supervised by the OCC. At Q2 2026 it reported total assets of $21.34B, up 33.9% from Q2 2025, the 6th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 13.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 131
- Headquarters
- Stuart, FL
- Established
- 1933
- Total assets, Q2 2026
- $21.34B
- Assets vs Q2 2025
- +33.9%
- CET1 ratio, Q2 2026
- 13.55%
- Domestic offices
- 118 FDIC institution directory, current count
- Routing number
- 067005158
- Latest call report
- Q2 2026, FFIEC 041 · Seacoast National Bank call report
- Holding company
- SEACOAST BANKING CORPORATION OF FLORIDA
- Asset rank in state
- 6th of 81 in Florida
Seacoast National Bank is growing quickly. It reported $21.3 billion in assets at June 30, 2026, up 33.9% from a year earlier. It grew deposits 34.4% over the year, 6.0 times the median of 5.7% for the 124 banks with $10 billion to $100 billion in assets. It also returns 8.0% a year on shareholders' equity, lower than about three-quarters of banks its size (median 11.3%).
Earnings jumped: net income for the quarter was $60 million, 39% above the same quarter a year earlier. Over the same year, loans grew 24.0% and deposits grew 34.4%.
As of June 30, 2026, Seacoast National Bank reported a CET1 capital ratio of 13.55%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 4.15%. The figures come from its call report filed with the FFIEC.
Seacoast National Bank ranks as the 6th largest of the 81 banks based in Florida, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.0% to $21.34B, loans rose 4.0% and deposits rose 0.9%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 27.4% of total loans, followed by 1-4 family residential loans at 26.1%. The FDIC Summary of Deposits lists 106 offices for it, in 72 cities across 2 states; its The Villages 13 offices book 18% of its branch deposits. Judged on its Q2 2026 call report, Seacoast National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 815 S Colorado Ave, Stuart, FL 34994
- County
- Martin
- Metro Area
- Port St. Lucie, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1933
- Former names
- First National Bank and Trust Company of the Treasure Coast (1987-2006); First National Bank and Trust Company of Stuart (1970-1987)
- Domestic offices
- 118 FDIC institution directory, current count
- Employees (FTE)
- 1,935
- Domestic deposits
- $16.80B
- Allowance for credit losses
- $182.1M
- Net charge-offs (YTD)
- $6.5M
- Average total assets
- $21.21B
- Average total loans
- $12.86B
- Average interest-bearing deposits
- $12.40B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 131
- Fed RSSD
- 34537
- SEC CIK
- 730708 → filed by SEACOAST BANKING CORPORATION OF FLORIDA
- Website
- www.seacoastbank.com →
- Parent Holding Company
- SEACOAST BANKING CORPORATION OF FLORIDA (RSSD 1085013) · SBCF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Charles M Shaffer | CEO | Chairman, President & CEO |
| Tracey Dexter | CFO | EVP & CFO |
| Juliette Kleffel | COO | EVP, Chief Operating Officer |
| James C Stallings Iii | CCO | EVP, Chief Credit Officer |
| Joseph M Forlenza | CRO | EVP & CRO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Seacoast National Bank's total assets ran between $14.57B (Q4 2023) and $21.34B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$21.34B total assets against $15.94B; $18.30B total liabilities against $13.70B.
$12.98B net loans and leases against $10.48B; $16.80B total deposits against $12.50B.
$5.75B securities against $3.49B; $430.7M cash and balances due against $333.9M.
$255.6M total interest income against $193.3M; $74.1M total interest expense against $65.5M.
$181.5M net interest income against $127.8M.
$26.6M total noninterest income against $23.4M; $121.6M total noninterest expense against $90.4M.
$9.1M provision for credit losses against $4.5M.
$60.4M net income against $43.5M.
1.14% return on assets against 1.09%; 3.82% net interest margin against 3.56%.
13.55% CET1 capital ratio against 13.70%; 9.84% tier 1 leverage ratio against 10.36%.
Inside the full Seacoast National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Seacoast National Bank rankings
Its closest position to the top of a national ranking is 98 of 4,196, for total assets; its furthest is 2,195 of 3,611, for ROA.
Banks merged into Seacoast National Bank
- Citizens First Bank, effective October 2, 2025
- Heartland National Bank, effective July 12, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.62% (Q1 2026) to 1.14% (Q2 2026) and its net interest margin ran from 3.17% (Q3 2024) to 3.82% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.55% | 1.14% | 0.66% | 4.15% | 3.82% |
| Q1 2026 | 13.87% | 0.62% | 0.75% | 4.58% | 3.78% |
| Q4 2025 | 13.82% | 0.75% | 0.57% | 3.43% | 3.68% |
| Q3 2025 | 13.80% | 0.90% | 0.56% | 3.33% | 3.59% |
| Q2 2025 | 13.70% | 1.09% | 0.61% | 3.83% | 3.56% |
| Q1 2025 | 13.85% | 0.82% | 0.68% | 4.68% | 3.42% |
| Q4 2024 | 14.13% | 0.91% | 0.92% | 6.22% | 3.39% |
| Q3 2024 | 14.05% | 0.82% | 0.84% | 5.66% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 106 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Seacoast National Bank (main office) | Stuart , FL | 34994 | $1.55B |
| The Villages - Lake Sumter Landing Branch | The Villages , FL | 32162 | $829.9M |
| Miami Brickell Branch | Miami , FL | 33130 | $417.2M |
| The Villages - Colony Plaza Branch | The Villages , FL | 32162 | $402.7M |
| Fort Pierce Branch | Fort Pierce , FL | 34950 | $339.1M |
| Miami - San Ignacio Branch | Coral Gables , FL | 33146 | $334.1M |
| Palm City Branch | Palm City , FL | 34990 | $312.9M |
| The Villages - Southern Trace Branch | The Villages , FL | 32162 | $310.6M |
| Okeechobee Branch | Okeechobee , FL | 34974 | $300.4M |
| Mebourne - Harbor City Blvd Branch | Melbourne , FL | 32935 | $291.7M |
| Palm Beach Gardens Branch | Palm Beach Gardens , FL | 33410 | $280.4M |
| Winter Park Branch | Winter Park , FL | 32789 | $276.2M |
| The Villages - Brownwood Branch | The Villages , FL | 32163 | $273.6M |
| The Villages - Spanish Springs Branch | The Villages , FL | 32159 | $250.5M |
| Doral Branch | Doral , FL | 33126 | $248.4M |
| Coral Gables Alhambra Branch | Coral Gables , FL | 33134 | $247.7M |
| St. Petersburg 4th Street Branch | Saint Petersburg , FL | 33701 | $246.4M |
| Sebring - Lake Jackson Branch | Sebring , FL | 33870 | $245.1M |
| Jupiter Branch | Jupiter , FL | 33458 | $243.6M |
| Clermont Branch | Clermont , FL | 34711 | $240.1M |
| West Palm Beach - North Dixie Branch | West Palm Beach , FL | 33401 | $234.6M |
| West Palm Beach - Okeechobee Blvd Branch | West Palm Beach , FL | 33411 | $219.4M |
| Lake Placid Branch | Lake Placid , FL | 33852 | $219.3M |
| The Villages - Mulberry Grove Branch | The Villages , FL | 32162 | $201.4M |
| Orlando - North Orange Branch | Orlando , FL | 32801 | $197.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 2, 2025 | Structure Change | Acquired Citizens First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 12, 2025 | Structure Change | Acquired Heartland National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 11, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2023 | Structure Change | Acquired Professional Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2022 | Structure Change | Acquired Apollo Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 2022 | Structure Change | Acquired Florida Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 3, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 7, 2021 | Structure Change | Acquired Legacy Bank of Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 6, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 22, 2020 | Structure Change | Acquired Freedom Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 21, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 14, 2020 | Structure Change | Acquired First Bank of the Palm Beaches Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 13, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 20, 2018 | Structure Change | Acquired First Green Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 4, 2017 | Structure Change | Acquired Palm Beach Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 3, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2017 | Structure Change | Acquired NorthStar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 20, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 8, 2017 | Structure Change | Acquired Gulfshore Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 7, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 12, 2016 | Structure Change | Acquired Floridian Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 11, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 18, 2015 | Structure Change | Acquired Grand Bank & Trust of Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Structure Change | Acquired BankFIRST Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 12, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 12, 2006 | Structure Change | Acquired First National Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 3, 2006 | Structure Change | Acquired Big Lake National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 1997 | Structure Change | Acquired Port St. Lucie National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 30, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 15, 1995 | Structure Change | Acquired American Bank of Martin County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 14, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 21, 1991 | Structure Change | Acquired American Pioneer Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 31, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 31, 1987 | Structure Change | Acquired First National Bank and Trust Company/St. Lucie County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 41 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC); 1 against individuals associated with it
- February 11, 2013, OCC: Civil Money Penalty (CMP): Seacoast National Bank
- December 16, 2008, OCC: Formal Agreement: Seacoast National Bank
- July 25, 2006, OCC: Civil Money Penalty (CMP): Seacoast National Bank
- February 19, 1991, OCC: Formal Agreement: First National Bank And Trust Company Of The Treasure Coast
- Period: Most recent institution action February 11, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.9% of deposits in FL, rank 15 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,716 applications, 1,453 loans originated, $511.0M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 34 loans, $50.8M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 31 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Seacoast National Bank
What are Seacoast National Bank's total assets?
As of the Q2 2026 filing, Seacoast National Bank reported total assets of $21.34 billion in its FFIEC call report.
Where is Seacoast National Bank headquartered?
It is headquartered in Stuart, FL, United States.
When was Seacoast National Bank founded?
It was established in 1933, per the FDIC institution directory.
Is Seacoast National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #131). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Seacoast National Bank?
Seacoast National Bank's primary federal regulator is the OCC.
What is Seacoast National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Seacoast National Bank operate?
It operates 118 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Seacoast National Bank's Texas Ratio?
Its Texas Ratio is 4.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Seacoast National Bank previously called?
The charter now named Seacoast National Bank has also operated as First National Bank and Trust Company of the Treasure Coast (1987-2006), First National Bank and Trust Company of Stuart (1970-1987), per FDIC structure-change records.
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