Seacoast National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 7.0% to -$84.1M. Seacoast National Bank ranks 35th of 56 Florida banks on CET1 ratio, in the lower half at 13.55% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Seacoast National Bank sits 0.59 points higher, at 13.55% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.55% |
| Tier 1 risk-based capital ratio | 13.55% |
| Total risk-based capital ratio | 14.80% |
| Tier 1 leverage ratio | 9.84% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.97B |
| Tier 1 capital | $1.97B |
| Total risk-based capital | $2.16B |
| Total equity capital | $3.04B |
| Risk-weighted assets | $14.57B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.24% |
| Tangible equity to tangible assets | 9.20% |
| Equity capital to average assets | 14.32% |
| Internal capital growth rate | 3.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $56.8M |
| Common stock surplus | $2.76B |
| Retained earnings | $305.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$84.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.17% | 13.17% | 14.26% | 10.05% | $10.95B |
| Q4 2023 | 13.64% | 13.64% | 14.82% | 10.31% | $10.75B |
| Q1 2024 | 13.93% | 13.93% | 15.18% | 10.49% | $10.62B |
| Q2 2024 | 14.08% | 14.08% | 15.29% | 10.54% | $10.69B |
| Q3 2024 | 14.05% | 14.05% | 15.27% | 10.61% | $10.88B |
| Q4 2024 | 14.13% | 14.13% | 15.30% | 10.66% | $11.01B |
| Q1 2025 | 13.85% | 13.85% | 15.10% | 10.51% | $11.22B |
| Q2 2025 | 13.70% | 13.70% | 14.95% | 10.36% | $11.49B |
| Q3 2025 | 13.80% | 13.80% | 15.05% | 10.42% | $11.95B |
| Q4 2025 | 13.82% | 13.82% | 15.07% | 9.69% | $14.12B |
| Q1 2026 | 13.87% | 13.87% | 15.12% | 9.87% | $14.10B |
| Q2 2026 | 13.55% | 13.55% | 14.80% | 9.84% | $14.57B |
Seacoast National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Seacoast National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Seacoast National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 131) · FFIEC NIC profile (RSSD 34537)