Seacoast National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Seacoast National Bank is the primary bank subsidiary of its parent holding company, headquartered in Stuart, FL. On its most recent Q2 2026 call report, Seacoast National reported $21.3B in total assets against $16.8B in deposits. Earnings are mid-range, 1.14% ROA and a 3.82% net interest margin. Regulatory capital is solid, 13.55% CET1 and 14.80% total risk-based capital ratio. Asset quality is solid, 0.73% nonperforming loans and a 4.88% Texas Ratio. Seacoast National runs a 118-branch network across multiple states.
As of June 30, 2026, Seacoast National Bank reported a CET1 capital ratio of 13.55%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.73%, a Texas ratio of 4.88%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 815 S Colorado Ave, Stuart, FL 34994
- County
- Martin
- Metro Area
- Port St. Lucie, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1933
- Former names
- First National Bank and Trust Company of the Treasure Coast (1987-2006); First National Bank and Trust Company of Stuart (1970-1987)
- Offices
- 118 domestic
- Employees (FTE)
- 1,935
- Domestic deposits
- $16.80B
- Allowance for credit losses
- $182.1M
- Net charge-offs (YTD)
- $6.5M
- Average total assets
- $21.21B
- Average total loans
- $12.86B
- Average interest-bearing deposits
- $12.40B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 131
- Fed RSSD
- 34537
- SEC CIK
- 730708 → filed by SEACOAST BANKING CORPORATION OF FLORIDA
- Website
- www.seacoastbank.com →
- Parent Holding Company
- SEACOAST BANKING CORPORATION OF FLORIDA (RSSD 1085013) · SBCF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Shaffer Charles M | CEO | Chairman, President & CEO |
| Dexter Tracey | CFO | EVP & CFO |
| Kleffel Juliette | COO | EVP, Chief Operating Officer |
| Stallings James C Iii | CCO | EVP, Chief Credit Officer |
| Forlenza Joseph M | CRO | EVP & CRO |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Seacoast National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Seacoast National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Seacoast National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Seacoast National Bank
- Citizens First Bank, effective October 2, 2025
- Heartland National Bank, effective July 12, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.55% | 1.14% | 0.73% | 4.88% | 3.82% |
| Q1 2026 | 13.87% | 0.62% | 0.84% | 5.46% | 3.78% |
| Q4 2025 | 13.82% | 0.75% | 0.60% | 4.00% | 3.68% |
| Q3 2025 | 13.80% | 0.90% | 0.61% | 4.33% | 3.59% |
| Q2 2025 | 13.70% | 1.09% | 0.66% | 4.76% | 3.56% |
| Q1 2025 | 13.85% | 0.82% | 0.73% | 5.40% | 3.42% |
| Q4 2024 | 14.13% | 0.91% | 0.94% | 6.90% | 3.39% |
| Q3 2024 | 14.05% | 0.82% | 0.83% | 6.37% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 106 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Seacoast National Bank (main office) | Stuart , FL | 34994 | $1.55B |
| The Villages - Lake Sumter Landing Branch | The Villages , FL | 32162 | $829.9M |
| Miami Brickell Branch | Miami , FL | 33130 | $417.2M |
| The Villages - Colony Plaza Branch | The Villages , FL | 32162 | $402.7M |
| Fort Pierce Branch | Fort Pierce , FL | 34950 | $339.1M |
| Miami - San Ignacio Branch | Coral Gables , FL | 33146 | $334.1M |
| Palm City Branch | Palm City , FL | 34990 | $312.9M |
| The Villages - Southern Trace Branch | The Villages , FL | 32162 | $310.6M |
| Okeechobee Branch | Okeechobee , FL | 34974 | $300.4M |
| Mebourne - Harbor City Blvd Branch | Melbourne , FL | 32935 | $291.7M |
| Palm Beach Gardens Branch | Palm Beach Gardens , FL | 33410 | $280.4M |
| Winter Park Branch | Winter Park , FL | 32789 | $276.2M |
| The Villages - Brownwood Branch | The Villages , FL | 32163 | $273.6M |
| The Villages - Spanish Springs Branch | The Villages , FL | 32159 | $250.5M |
| Doral Branch | Doral , FL | 33126 | $248.4M |
| Coral Gables Alhambra Branch | Coral Gables , FL | 33134 | $247.7M |
| St. Petersburg 4th Street Branch | Saint Petersburg , FL | 33701 | $246.4M |
| Sebring - Lake Jackson Branch | Sebring , FL | 33870 | $245.1M |
| Jupiter Branch | Jupiter , FL | 33458 | $243.6M |
| Clermont Branch | Clermont , FL | 34711 | $240.1M |
| West Palm Beach - North Dixie Branch | West Palm Beach , FL | 33401 | $234.6M |
| West Palm Beach - Okeechobee Blvd Branch | West Palm Beach , FL | 33411 | $219.4M |
| Lake Placid Branch | Lake Placid , FL | 33852 | $219.3M |
| The Villages - Mulberry Grove Branch | The Villages , FL | 32162 | $201.4M |
| Orlando - North Orange Branch | Orlando , FL | 32801 | $197.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 2, 2025 | Structure Change | Acquired Citizens First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 12, 2025 | Structure Change | Acquired Heartland National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 11, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2023 | Structure Change | Acquired Professional Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2022 | Structure Change | Acquired Drummond Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 2022 | Structure Change | Acquired Florida Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 7, 2021 | Structure Change | Acquired Legacy Bank of Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 6, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 22, 2020 | Structure Change | Acquired Freedom Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 21, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 14, 2020 | Structure Change | Acquired First Bank of the Palm Beaches Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 13, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 20, 2018 | Structure Change | Acquired First Green Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 4, 2017 | Structure Change | Acquired Palm Beach Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 3, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2017 | Structure Change | Acquired NorthStar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 20, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 8, 2017 | Structure Change | Acquired Gulfshore Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 7, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 12, 2016 | Structure Change | Acquired Floridian Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 11, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 18, 2015 | Structure Change | Acquired Grand Bank & Trust of Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Structure Change | Acquired BankFIRST Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 12, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 12, 2006 | Structure Change | Acquired First National Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 3, 2006 | Structure Change | Acquired Big Lake National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 1997 | Structure Change | Acquired Port St. Lucie National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 30, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 15, 1995 | Structure Change | Acquired American Bank of Martin County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 14, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 21, 1991 | Structure Change | Acquired American Pioneer Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 31, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 31, 1987 | Structure Change | Acquired First National Bank and Trust Company/St. Lucie County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 41 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Seacoast National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 4 against the institution (OCC); 1 against individuals associated with it
- February 11, 2013, OCC: Civil Money Penalty (CMP): Seacoast National Bank
- December 16, 2008, OCC: Formal Agreement: Seacoast National Bank
- July 25, 2006, OCC: Civil Money Penalty (CMP): Seacoast National Bank
- February 19, 1991, OCC: Formal Agreement: First National Bank And Trust Company Of The Treasure Coast
- Period: Most recent institution action February 11, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.9% of deposits in FL, rank 15 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,716 applications, 1,453 loans originated, $511.0M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 28 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Seacoast National Bank
What are Seacoast National Bank's total assets?
As of the Q2 2026 filing, Seacoast National Bank reported total assets of $21.34 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Seacoast National Bank headquartered?
Seacoast National Bank is headquartered in Stuart, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Seacoast National Bank founded?
Seacoast National Bank was established in 1933, per the FDIC institution directory.
Is Seacoast National Bank FDIC-insured?
Yes. Seacoast National Bank is an FDIC-insured commercial bank (FDIC Certificate #131). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Seacoast National Bank?
Seacoast National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Seacoast National Bank's CET1 capital ratio?
Seacoast National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Seacoast National Bank operate?
Seacoast National Bank operates 118 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Seacoast National Bank's Texas Ratio?
Seacoast National Bank's Texas Ratio is 4.88% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Seacoast National Bank previously called?
The charter now named Seacoast National Bank has also operated as First National Bank and Trust Company of the Treasure Coast (1987-2006), First National Bank and Trust Company of Stuart (1970-1987), per FDIC structure-change records.
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