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Seacoast National Bank
Stuart, FL · FDIC Certificate #131 · Chartered 01/0
Total assets
$21.34B
Total deposits
$16.80B
Total equity
$3.04B
Net loans
$12.98B
Branches (offices)
106
Net income (YTD)
$92.70M
Rank: #100 of 4,213 U.S. banks by assets · #6 of 81 in Florida. Assets changed 33.9% and deposits 34.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.88% |
| Return on equity | 6.11% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 14.24% |
| Tier 1 leverage ratio | 9.84% |
| Uninsured deposits (share of deposits) | 36.3% |
| Noncurrent loans (share of loans) | 0.66% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 77.3% |
| Real estate loans (share of loans) | 80.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $10.48B | 80.7% | |
| Commercial & industrial | $1.99B | 15.3% | |
| Consumer / individual | $190.22M | 1.5% | |
| Construction & development | $858.17M | 6.6% | |
| Agricultural | $9.79M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $10.81B | $9.19B | $54.33M | $1.30B |
| Jun 2023 | $15.03B | $12.29B | $44.68M | $2.03B |
| Jun 2024 | $14.94B | $12.12B | $57.59M | $2.13B |
| Jun 2025 | $15.94B | $12.50B | $75.50M | $2.24B |
| Jun 2026 | $21.34B | $16.80B | $92.70M | $3.04B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $16.68B | 105 |
| Georgia | $123.49M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $16.80B.
Similar-sized banks
Optum Bank, Inc. ($21.43B) · First Merchants Bank ($21.32B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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