Seacoast National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 23.44 percentage points higher than in Q1 2026, at 189.88%. Seacoast National Bank ranks 35th of 79 Florida banks on return on assets, in the upper half at 1.14% (Q2 2026). Seacoast National Bank reported 1.14% on return on assets for Q2 2026, 0.16 points below the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.55% |
| Tier 1 risk-based capital ratio | 13.55% |
| Total risk-based capital ratio | 14.80% |
| Tier 1 leverage ratio | 9.84% |
| Equity capital to assets | 14.24% |
| Tangible equity to tangible assets | 9.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 4.88% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 189.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 7.97% |
| Net interest margin | 3.82% |
| Efficiency ratio | 53.29% |
| Yield on earning assets | 5.37% |
| Cost of funds | 1.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.35% |
| Core deposits to total deposits | 92.67% |
| Brokered deposits to total deposits | 3.64% |
| Deposits to assets | 78.75% |
| Securities to assets | 26.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.17% | 13.17% | 14.26% | 10.05% | 0.85% |
| Q4 2023 | 13.64% | 13.64% | 14.82% | 10.31% | 0.81% |
| Q1 2024 | 13.93% | 13.93% | 15.18% | 10.49% | 0.72% |
| Q2 2024 | 14.08% | 14.08% | 15.29% | 10.54% | 0.82% |
| Q3 2024 | 14.05% | 14.05% | 15.27% | 10.61% | 0.82% |
| Q4 2024 | 14.13% | 14.13% | 15.30% | 10.66% | 0.91% |
| Q1 2025 | 13.85% | 13.85% | 15.10% | 10.51% | 0.82% |
| Q2 2025 | 13.70% | 13.70% | 14.95% | 10.36% | 1.09% |
| Q3 2025 | 13.80% | 13.80% | 15.05% | 10.42% | 0.90% |
| Q4 2025 | 13.82% | 13.82% | 15.07% | 9.69% | 0.75% |
| Q1 2026 | 13.87% | 13.87% | 15.12% | 9.87% | 0.62% |
| Q2 2026 | 13.55% | 13.55% | 14.80% | 9.84% | 1.14% |
Seacoast National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Seacoast National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)