Seacoast Banking
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.
- Company typePublic
- Founded1926
- HeadquartersStuart, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
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.
Seacoast Banking firmographics
Firmographics- 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
Seacoast Banking industry classification
Industry- 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
Where Seacoast Banking is headquartered
LocationHeadquarters
- HQ city
- Stuart
- HQ country
- United States
- HQ region
- North America
Offices83 records
Markets served
Seacoast Banking business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- 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.
- Non-Interest Income: Fee income from deposit accounts, wealth management services, mortgage banking, merchant services, and other banking service charges.
- Wealth Management: Comprehensive wealth management services including investment management, trust services, financial planning, and family office services generating advisory fee income.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal checking and savings accounts available with minimum opening deposits as low as $50 |
| Subscription | Monthly | Money Market Account with $2,500 minimum balance to waive $15 monthly fee |
| Subscription | Monthly | Business Money Market Account with $2,500 minimum balance |
| Unit Pricing | Monthly | 30-year fixed mortgage rates as low as 6.490% APR |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels10 records
Seacoast Banking product offering
Product offeringCore 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
Companies that use Seacoast Banking
Customer profileSegments5 records
Ideal customer profiles4 records
Seacoast Banking technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability3 records
Feature1 record
Seacoast Banking partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- QuavocoreSeacoast 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
Seacoast Banking competitors and assessment
Company assessmentDirect 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
Seacoast Banking social profiles
Digital presenceSeacoast Banking compliance and trust
Trust signalCompliance2 records
Seacoast Banking financial estimates
Financial estimateRevenue estimate
Valuation estimate
Seacoast Banking leadership team
Management profileNumber of profiles
Profiles6 records
Seacoast Banking subsidiaries and ownership
Company hierarchySubsidiaries5 records
Seacoast Banking funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Seacoast Banking M&A and investment
M&A and investmentM&A9 records
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Seacoast Banking
What does Seacoast Banking do?
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.
Is Seacoast Banking a public or private company?
Seacoast Banking is a public company. It is classified as public and is currently operating.
When was Seacoast Banking founded?
Seacoast Banking was founded in 1926. It employs 1,001 to 5,000 people.
Where is Seacoast Banking based?
Seacoast Banking is headquartered in Stuart, United States, in the North America region.
How does Seacoast Banking make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and wealth Management.
Who are Seacoast Banking's main competitors?
Direct peers on record are Synovus Financial, Pinnacle Financial Partners, BankUnited, Cadence Bank and First Horizon Corporation. Broad incumbents are Regions Financial and Truist Financial. Emerging players are Webster Financial, Atlantic Capital Bancshares and Third Coast Bank.
Does Seacoast Banking have an API?
No public API is recorded for Seacoast Banking.
What industry is Seacoast Banking in?
Seacoast Banking's product category is Community Banking. Its primary akta.pro industry code is FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 52211 and its SIC code is 6021.