Seacoast National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Seacoast National Bank of Stuart, FL against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.14% | 1.35% | -0.21% | 36th below |
| ROAE | 7.97% | 12.31% | -4.34% | 19th bottom |
| Net Interest Margin | 3.82% | 3.68% | +0.14% | 66th above |
| Efficiency Ratio | 53.29% | 53.81% | -0.52% | 53rd above |
| PPNR / Avg Assets | 1.63% | 1.96% | -0.33% | 37th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.37% | 5.57% | -0.20% | 53rd above |
| Cost of Funds | 1.65% | 2.00% | -0.35% | 68th above |
| Net Interest Spread | 3.22% | 2.98% | +0.24% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.73% | 1.05% | -0.32% | 61st above |
| NPA / Total Assets | 0.47% | 0.76% | -0.29% | 63rd above |
| NCO / Avg Loans | 0.10% | 0.36% | -0.26% | 60th above |
| ACL / Total Loans | 1.38% | 1.37% | +0.01% | 80th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 189.88% | 210.06% | -20.18% | 68th above |
| Texas Ratio | 4.88% | 10.27% | -5.39% | 66th above |
| Provision / NCO | 149.86% | 107.17% | +42.69% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.55% | 14.75% | -1.20% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.55% | 14.87% | -1.32% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.80% | 16.09% | -1.29% | 60th above |
| Leverage Ratio | 9.84% | 10.27% | -0.43% | 37th below |
| Equity / Assets | 14.24% | 11.53% | +2.71% | 85th top |
| TCE / Tangible Assets | 9.20% | 9.48% | -0.28% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.35% | 83.92% | -5.57% | 74th above |
| Core Deposit Ratio | 92.67% | 86.73% | +5.94% | 61st above |
| Uninsured Deposit Ratio | 36.31% | 38.95% | -2.64% | 61st above |
| Wholesale Funding Ratio | 6.14% | 5.65% | +0.49% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 33.89% | 9.96% | +23.93% | 93rd top |
| Loan Growth (Y/Y) | 23.98% | 10.05% | +13.93% | 86th top |
| Deposit Growth (Y/Y) | 34.37% | 9.81% | +24.56% | 93rd top |
See Seacoast National Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Seacoast National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Seacoast National Bank profile, how to read a UBPR, or how this data updates.