Seacoast National Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged down 0.12 percentage points between Q1 2026 and Q2 2026, to 3.33%. Within Florida, Seacoast National Bank is 32nd of 79 on net interest margin, 3.82% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Seacoast National Bank sits 0.22 points higher, at 3.82% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 5.87% |
| Yield on securities | 4.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 3.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $188.2M |
| Total interest expense | $74.1M |
| Interest expense on deposits | $62.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.32% | 1.87% | 3.56% | 5.98% | 3.03% |
| Q4 2023 | 5.29% | 2.08% | 3.35% | 5.90% | 3.07% |
| Q1 2024 | 5.29% | 2.24% | 3.20% | 5.87% | 3.20% |
| Q2 2024 | 5.34% | 2.37% | 3.13% | 5.90% | 3.37% |
| Q3 2024 | 5.42% | 2.41% | 3.17% | 5.97% | 3.51% |
| Q4 2024 | 5.39% | 2.16% | 3.39% | 5.96% | 3.56% |
| Q1 2025 | 5.27% | 1.97% | 3.42% | 5.82% | 3.60% |
| Q2 2025 | 5.38% | 1.95% | 3.56% | 5.97% | 3.67% |
| Q3 2025 | 5.40% | 1.96% | 3.59% | 6.01% | 3.79% |
| Q4 2025 | 5.37% | 1.83% | 3.68% | 6.08% | 4.07% |
| Q1 2026 | 5.34% | 1.66% | 3.78% | 5.88% | 4.25% |
| Q2 2026 | 5.37% | 1.65% | 3.82% | 5.87% | 4.36% |
Seacoast National Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Seacoast National Bank, freeSource: Call Report Schedules RI and RC-K, 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)