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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Seacoast National Bank

Stuart, Florida · $21.34B in assets · beside the 6 other Florida banks over $10B

The filing

78.3%
Loans / deposits
1st of 7
14.2%
Equity / assets
1st of 7
+24.0%
Loans, year over year
1st of 7, largest first

Seacoast National Bank is the sixth largest of the 7 Florida banks over $10B, with $21.34B in assets at 30 June 2026. Loans are 78.3% of deposits, the lowest in the cohort against a median of 89.8%, and equity is 14.2% of assets, the highest in the cohort. Loans grew +24.0% in the year, the fastest in the cohort, and deposits grew 34.4%; the cohort's median loan growth is +7.7%.

Noncurrent loans are 0.66% of the book, 3rd of 7 against a median of 0.81%; 0.15% is 30 to 89 days past due, and the allowance covers them 2.1 times. Commercial real estate is 37.6% of loans, 5th of 7 against a median of 34.7%, and 230% of capital, below the 300% screen, with construction at 40% against the 100% screen.

Return on assets is 0.87%, 6th of 7 against a median of 0.99%, on an efficiency ratio of 59.0%, 6th of 7. Five years ago it was 1.47%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsFL banks over $10B · 30 June 2026 · lower is stronger, listed first
median 89.8% SN Seacoast National Bank 78.3% AB Amerant Bank National Association 82.1% BN Bankunited National Association 82.3% RJ Raymond James Bank 89.8% SB Southstate Bank N.A. 90.9% CN City National Bank of Florida 93.2% EN Everbank National Association 98.0%
Loans, year over yearFL banks over $10B · 30 June 2026 · no better direction, largest first
median +7.7% SN Seacoast National Bank +24.0% EN Everbank National Association +12.3% SB Southstate Bank N.A. +7.7% CN City National Bank of Florida +7.7% RJ Raymond James Bank +7.5% BN Bankunited National Association -0.1% AB Amerant Bank National Association -4.5%

SBA 7(a), FY2008 to FY2026

Seacoast National Bank is the 18th largest 7(a) lender into Florida of 528, with $472M across 815 loans, 1.6% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 226 of its 310 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Miami-Dade, FL$78M18th of 2152.0%-1.8 pts
Palm Beach, FL$54M11th of 1952.2%-1.5 pts
Orange, FL$50M10th of 2012.4%-2.1 pts
Broward, FL$46M18th of 2091.5%-0.9 pts
Pinellas, FL$40M10th of 1712.4%quiet FY2021
Hillsborough, FL$29M23rd of 1951.3%-0.0 pts
Brevard, FL$27M5th of 1294.0%-5.8 pts
Martin, FL$26M1st of 887.7%+1.0 pts
Seminole, FL$17M11th of 1332.5%+0.7 pts
Lake, FL$16M4th of 1114.3%quiet FY2022
Volusia, FL$15M9th of 1372.3%+0.0 pts
Denver, CO$13M30th of 1930.7%thin
Maricopa, AZ$9M82nd of 3030.1%+0.4 pts
297 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services156$103M14.7%0.13%139th of 2,596
Retail trade154$83M11.8%0.14%125th of 2,589
Professional & technical services144$76M10.9%0.24%58th of 1,955
Health care & social assistance147$68M9.7%0.14%103rd of 2,172
Other services122$62M8.9%0.18%97th of 2,248
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Seacoast National Bank
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans SN Seacoast National Bank 1.6% $472M · 815 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Seacoast National BankRankCohort median
Total CRE against capital, the 300% screen230%5th of 7218%
Construction against capital, the 100% screen40%4th of 740%
Construction and land development, share of loans6.5%5th of 75.7%
Non-owner-occupied nonfarm nonresidential, share of loans27.4%5th of 723.2%
Total CRE, the guidance definition, share of loans37.6%5th of 734.7%
CRE growth over 36 months, the third prong+25.2%6th of 7+20.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Southstate Bank N.A.$68.79B1.4%52.7%0.54%0.07%1.1%90.9%14.1%
Everbank National Association$46.69B1.0%51.8%1.42%0.02%0.8%98.0%9.2%
Raymond James Bank$45.60B1.7%35.4%0.28%0.04%0.9%89.8%7.3%
Bankunited National Association$34.86B0.9%57.7%1.69%0.36%0.9%82.3%9.1%
City National Bank of Florida$29.11B1.2%45.1%0.81%0.09%1.1%93.2%10.6%
Seacoast National Bank$21.34B0.9%59.0%0.66%0.10%1.4%78.3%14.2%
Amerant Bank National Association$10.27B0.9%65.1%2.49%0.25%1.2%82.1%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Seacoast National BankCohort median
20212026Change20212026Change
Loans$5.48B$13.16B+140%$22.89B$23.93B+5%
Deposits$7.84B$16.80B+114%$27.00B$29.09B+8%
NPA / loans0.61%0.66%+0.05 pts0.71%0.81%+0.09 pts
Efficiency55.1%59.0%+3.9 pts55.1%52.7%-2.4 pts
ROA1.47%0.87%-0.59 pts1.19%0.99%-0.20 pts

This read was prepared for Seacoast National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Seacoast National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks over $10B
Institution www.seacoastbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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