Seacoast National Bank (FDIC #131): Bank Stress & Real-Estate Credit Exposure
Seacoast National Bank (FDIC Cert #131): bank stress 58/100, moderate, STABLE over 7 days; parent SEACOAST BANKING CORP OF FL.
Seacoast National Bank (#131) lends in 29 counties across 2 states; Seacoast National Bank (#131) reaches 705 ZIP codes: Florida 28 counties, 690 ZIPs; Georgia 1 county, 15 ZIPs.
Seacoast National Bank (#131) largest markets: Miami Dade County, FL (567 branches, 81 ZIPs) (#131), Hillsborough County, FL (174 branches, 58 ZIPs) (#131), Broward County, FL (220 branches, 55 ZIPs) (#131), Palm Beach County, FL (583 branches, 53 ZIPs) (#131), Orange County, FL (294 branches, 49 ZIPs) (#131), Pinellas County, FL (144 branches, 48 ZIPs) (#131).
Seacoast National Bank (#131) reports $21.34 billion in total assets; Seacoast National Bank (#131) equity $3.04 billion (14.2% of Seacoast National Bank (#131) assets); Seacoast National Bank (#131) domestic deposits $16.80 billion; Seacoast National Bank (#131) net income $92.7 million; Seacoast National Bank (#131) return on assets 0.88%; Seacoast National Bank (#131) return on equity 6.11%; Seacoast National Bank (#131) net interest income $358.8 million; Seacoast National Bank (#131) call report June 30, 2026.
Seacoast National Bank (#131) noncurrent real-estate loans 0.02% of its book; Seacoast National Bank (#131) residential 0.03%; Seacoast National Bank (#131) net charge-offs on real estate 0.69%; Seacoast National Bank (#131) multifamily charge-offs 0.10%; Seacoast National Bank (#131) residential charge-offs 0.66%.
Seacoast National Bank (#131) net interest margin 3.83% against an eight-quarter Seacoast National Bank (#131) average of 3.59% (Seacoast National Bank (#131) compression -0.25 points); Seacoast National Bank (#131) real-estate loans 2.0% of equity; Seacoast National Bank (#131) non-residential real estate 66.1% of equity; Seacoast National Bank (#131) rate-exposure score 40/100, Seacoast National Bank (#131) fixed-rate trap 40/100; Seacoast National Bank (#131) risk type credit driven; Seacoast National Bank (#131) rate regime rates elevated, Seacoast National Bank (#131) snapshot October 19, 2026.
Seacoast National Bank (#131) stress score moved from 61.1 on June 22, 2026 to 58 on October 19, 2026; Seacoast National Bank (#131) ranged 58 to 61.1 over 116 snapshots.
Seacoast National Bank (#131) alerts: 28 counties; top Seacoast National Bank (#131) alert scores: Hernando County, FL 34 (low); Okeechobee County, FL 33 (low); Bradenton County, FL 20 (low); Clewiston County, FL 20 (low); Cross City County, FL 20 (low).