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Seacoast National Bank
Stuart, FL·FDIC Cert #131·Charter: OCC·Est. 19330101.0·HC: SEACOAST BANKING CORP OF FL
Total Assets
$20.8B
Q4 2025
Return on Assets
0.91%
-0.04%Peer avg: 1.14%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.67%
Peer avg: 54.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.91%-0.04
ROE
6.35%-0.34
Efficiency
57.67%-1.16
Equity/Assets
0.00%+0.00
NPL Ratio
0.58%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
76.64%-6.03
Charge-offs
0.12%-0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.8 | 0.8 | 0.8 | 0.8 | 1.0 | 0.9 | 0.9 |
| ROE | 5.1 | 5.5 | 5.6 | 5.8 | 5.8 | 6.8 | 6.7 | 6.3 |
| Efficiency | 66.4 | 62.9 | 61.8 | 60.1 | 60.0 | 58.2 | 58.8 | 57.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.6 | 0.9 | 0.9 | 0.7 | 0.6 | 0.6 | 0.6 |
| Charge-offs | 0.1 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | 0.1 |
| Loan/Deposit | 81.9 | 81.7 | 82.3 | 83.1 | 82.0 | 83.8 | 82.7 | 76.6 |
Balance Sheet
Total Assets$20.8B
Total Deposits$16.3B
Total Loans$12.5B
Total Equity$3.0B
Profitability
ROA0.91%
ROE6.35%
Efficiency Ratio57.67%
Net Income$152.7M
Risk & Asset Quality
NPL Ratio0.58%
Charge-off Rate0.12%
Loan/Deposit76.64%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans