Seacoast National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 46.9% lower than in Q1 2026, at $430.7M. Within Florida, Seacoast National Bank is 36th of 81 on loan-to-deposit ratio, 78.35% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Seacoast National Bank sits 8.48 points lower, at 78.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $430.7M |
| Cash and noninterest-bearing balances to assets | 1.80% |
| Cash and securities | $6.18B |
| Fed funds sold and reverse repos | $46.2M |
| Fed funds sold and reverse repos to assets | 0.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $474.0M |
| Other borrowed money | $835.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.35% |
| Net loans and leases to deposits | 77.27% |
| Loans and leases to core deposits | 81.35% |
| Core deposits to total deposits | 92.67% |
| Brokered deposits to total deposits | 3.64% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 82.68% | 93.13% | $391.3M | $110.0M |
| Q4 2023 | 85.45% | 94.29% | $475.8M | $50.0M |
| Q1 2024 | 83.09% | 93.81% | $427.9M | $110.0M |
| Q2 2024 | 82.87% | 92.47% | $358.2M | $180.0M |
| Q3 2024 | 83.40% | 93.01% | $306.9M | $245.0M |
| Q4 2024 | 84.24% | 93.11% | $327.8M | $245.0M |
| Q1 2025 | 83.13% | 93.43% | $315.5M | $465.0M |
| Q2 2025 | 84.91% | 91.37% | $314.1M | $715.0M |
| Q3 2025 | 83.80% | 93.94% | $335.5M | $690.0M |
| Q4 2025 | 77.74% | 95.11% | $485.9M | $835.0M |
| Q1 2026 | 76.05% | 94.99% | $483.6M | $775.0M |
| Q2 2026 | 78.35% | 92.67% | $474.0M | $835.0M |
Seacoast National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Seacoast National Bank, freeSource: Call Report Schedules RC and RC-M, 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)