Seacoast National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.84 percentage points higher than in Q1 2026, at 229.58%. 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. Seacoast National Bank reported 78.35% on loan-to-deposit ratio for Q2 2026, 8.48 points below the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $13.16B |
| Net loans and leases | $12.98B |
| Loans held for sale | $18.6M |
| Loans to total assets | 61.70% |
| Loan-to-deposit ratio | 78.35% |
| Net loans to equity capital | 4.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.03% |
| Multifamily (5+ residential) | 3.65% |
| Commercial and industrial | 15.13% |
| Consumer | 1.44% |
| Credit cards | 0.00% |
| Farm | 0.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 229.58% |
| Construction concentration (Tier 1 capital + allowance) | 39.80% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.87% |
| Interest income on loans | $188.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $10.01B | $12.11B | 43.25% | 14.66% | 2.50% |
| Q4 2023 | $10.07B | $11.78B | 43.50% | 14.43% | 2.50% |
| Q1 2024 | $9.99B | $12.02B | 44.16% | 14.10% | 2.43% |
| Q2 2024 | $10.04B | $12.12B | 44.76% | 14.15% | 2.26% |
| Q3 2024 | $10.22B | $12.25B | 45.40% | 13.93% | 2.13% |
| Q4 2024 | $10.32B | $12.25B | 45.32% | 14.45% | 1.99% |
| Q1 2025 | $10.46B | $12.58B | 45.28% | 14.88% | 1.81% |
| Q2 2025 | $10.62B | $12.50B | 46.51% | 14.50% | 1.71% |
| Q3 2025 | $10.98B | $13.10B | 47.17% | 13.71% | 1.61% |
| Q4 2025 | $12.64B | $16.26B | 45.50% | 15.01% | 1.44% |
| Q1 2026 | $12.66B | $16.65B | 43.70% | 15.21% | 1.41% |
| Q2 2026 | $13.16B | $16.80B | 43.03% | 15.13% | 1.44% |
Seacoast National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Seacoast National Bank, freeSource: Call Report Schedule RC-C, 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)