Seacoast Banking

What Seacoast Banking does

Seacoast Banking Corporation of Florida, operating as Seacoast Bank, is a Florida-focused regional bank founded in 1926 and headquartered in Stuart, Florida (NASDAQ: SBCF). Following an aggressive serial-acquisition strategy (Sabal Palm in 2021, Apollo Bank in 2022, Professional Bank in 2022–2023, Heartland Bancshares in 2025, and Villages Bancorporation in 2025), the franchise has grown to approximately $16.7 billion in total assets, 70+ branch locations across roughly 30 Florida counties and one Georgia location, and a market capitalization of approximately $3.06 billion (December 2025). The bank serves retail consumers, small businesses, mid-market commercial clients, and high-net-worth individuals through four integrated lines: personal banking, small business banking, commercial banking, and wealth management.

Revenue is generated primarily through net interest income (the spread between loan portfolio yields and deposit costs) plus non-interest income from deposit fees, wealth management advisory fees, mortgage banking, and merchant services. Product breadth spans consumer lending (auto, boat/yacht, aircraft, RV, HELOC, fixed/ARMs, construction, lot loans), SBA-preferred small business lending, commercial real estate, equipment financing, receivables funding/factoring, payment processing (payroll, ACH, merchant services, remote deposit capture, Positive Pay), and a wealth platform offering investment management, trust services, business transition planning, and family office services. Distribution combines the physical branch network with iOS/Android mobile banking, Zelle P2P, 55,000+ Allpoint ATMs, QuickBooks/Quicken integrations, and dedicated relationship managers.

The technology stack is traditional core banking augmented by partnerships rather than in-house platform development. The most significant recent technology investment is the December 2025 Quavo partnership deploying an agentic AI dispute management platform for fraud prevention and compliance automation. Regulatory credentials include FDIC insurance, NMLS registration (608046), and SBA Preferred Lender status. Q1 2026 operating metrics: $163.86 million revenue, $67.8 million adjusted net income, 3.83% net interest margin (+17 bps YoY), 53.8% efficiency ratio (Q3 2025 target 53%–55%), 1.31% adjusted ROA, and 16.3% return on tangible equity.

Name

Seacoast Banking

Legal name

Seacoast Banking Corporation of Florida

Website

https://www.seacoastbank.com

Company type

Public

Founded year

1926

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Seacoast Banking Corporation of Florida operates a Florida-focused regional community bank (NASDAQ: SBCF) with 70+ branches and ~$16.7 billion in assets, serving retail consumers, small businesses, commercial clients, and high-net-worth individuals across consumer lending, commercial banking, and wealth management lines.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Onshore Private Banking (Domestic HNW/UHNW) (FSAAABAA)

Keywords

• Community banking services
• Commercial lending solutions
• Consumer loan products
• Wealth management advisory
• Small business banking

Headquarters

HQ city

Stuart

HQ country

United States

HQ region

North America

Offices83 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Interest income from loan portfolio including commercial loans, residential mortgages, consumer loans, offset by interest paid on deposits. Core banking revenue stream from spread between interest earned on loans and interest paid on deposits.
2. Non-Interest Income: Fee income from deposit accounts, wealth management services, mortgage banking, merchant services, and other banking service charges.
3. Wealth Management: Comprehensive wealth management services including investment management, trust services, financial planning, and family office services generating advisory fee income.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels10 records

Core offering

Seacoast Bank is a Florida-based community bank offering personal checking and savings accounts, consumer lending (auto, mortgage, HELOC, boat, aircraft, RV loans), small business and commercial banking services including SBA loans, payment processing, and wealth management covering investment management, trust, estate planning, and family office services. The bank distributes these products through 70+ Florida branches plus online and mobile banking platforms.

Product overview

Seacoast Bank is a Florida-based regional bank offering a comprehensive banking platform with multiple integrated product lines. The core offering includes personal banking (checking, savings, debit/credit cards), consumer lending (auto, boat, mortgage, HELOC), business banking (small business and commercial accounts, lending, SBA loans), payment processing services, and wealth management. The bank operates on a hub-and-spoke model where the core deposit and lending products are complemented by specialized wealth services including family office and business transition planning. Digital banking (online and mobile) serves as the primary delivery channel across all product lines. The bank has grown through acquisitions including Professional Bank, Apollo Bank, Heartland Bancshares, and Villages Bancorporation.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 35% year-over-year increase in commercial loan production in Q1 2026
• +4 more outcomes

Segments5 records

Ideal customer profiles4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability3 records

Feature1 record

Partnerships

One partnership is on record.

• QuavocoreTechnology or Integration · 9 December 2025Seacoast Bank partnered with Quavo to implement a dispute management platform aimed at improving dispute resolution, fraud prevention, and compliance. The platform leverages agentic AI to automate dispute processes and enhance customer service, helping Seacoast Bank scale operations and reduce fraud losses.

Scale indicators33 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Synovus Financial: Southeast-focused regional commercial bank with a community banking orientation and integrated wealth management. Similar to Seacoast in deposit gathering strategy, commercial real estate exposure, and public mid-cap regional bank valuation profile.
• Pinnacle Financial Partners: High-performing community-style regional bank known for relationship banking, strong commercial loan growth, and disciplined operating leverage. Comparable to Seacoast's premium valuation, NIM expansion story, and growth-by-acquisition strategy.
• BankUnited: Florida-headquartered regional bank focused on commercial and consumer banking across the state. Highly comparable given overlapping Florida footprint, similar mid-cap asset size, and analogous mix of commercial lending, deposits, and digital channels.
• Cadence Bank: Mid-cap regional bank with comparable commercial banking, small business, and wealth management product lines. Similar asset size, multi-state Southeast footprint, and focus on middle-market commercial lending make Cadence a close operating peer.
• First Horizon Corporation: Mid-cap regional bank with a strong commercial banking, wealth management, and SBA lending franchise. Comparable to Seacoast in its multi-segment banking model, M&A-driven growth history, and mid-teens return on tangible equity profile.

Broad incumbents

• Regions Financial: Large Southeast regional bank with substantial Florida presence and full-service consumer, commercial, and wealth management capabilities. Broader scale but operates in the same markets and competes directly for Florida commercial and retail deposits.
• Truist Financial: Top-10 U.S. commercial bank with deep Florida presence following the BB&T/SunTrust merger. Competes with Seacoast across personal, small business, commercial, and wealth segments, particularly in growth markets like Tampa, Orlando, and South Florida.

Emerging players

• Webster Financial: Mid-size regional commercial bank with diversified commercial lending and wealth management. Comparable in scale and segment mix, and serves as a relevant comp for evaluating Seacoast's NIM and fee-income trajectory.
• Atlantic Capital Bancshares: Southeast-focused commercial bank (acquired by SouthState) operating in similar mid-market commercial banking niches. Comparable in size, product focus, and regional concentration, though now consolidated under a larger platform.
• Third Coast Bank: Smaller but growth-oriented Florida-rooted community bank with SBA lending emphasis. Comparable to Seacoast's earlier-stage growth profile and Florida-centric deposit and small business lending strategy.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/seacoastbankcom
• Facebookfacebook.com/seacoastbank
• LinkedInlinkedin.com/company/seacoastbank
• Instagraminstagram.com/seacoast_bank
• Pinterestpinterest.cl/SeacoastBank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries5 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A9 records

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Seacoast Banking