Form 8-K

8-K — SEACOAST BANKING CORP OF FLORIDA

Accession: 0001628280-26-067572

Filed: 2026-10-27

Period: 2026-10-27

CIK: 0000730708

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — sbcf-20261027.htm (Primary)

EX-99.1 (sbcf3qearningsrelease.htm)

EX-99.2 (sbcf3q2026earningspresen.htm)

GRAPHIC (sbcf3q2026earningspresen001.jpg)

GRAPHIC (sbcf3q2026earningspresen002.jpg)

GRAPHIC (sbcf3q2026earningspresen003.jpg)

GRAPHIC (sbcf3q2026earningspresen004.jpg)

GRAPHIC (sbcf3q2026earningspresen005.jpg)

GRAPHIC (sbcf3q2026earningspresen006.jpg)

GRAPHIC (sbcf3q2026earningspresen007.jpg)

GRAPHIC (sbcf3q2026earningspresen008.jpg)

GRAPHIC (sbcf3q2026earningspresen009.jpg)

GRAPHIC (sbcf3q2026earningspresen010.jpg)

GRAPHIC (sbcf3q2026earningspresen011.jpg)

GRAPHIC (sbcf3q2026earningspresen012.jpg)

GRAPHIC (sbcf3q2026earningspresen013.jpg)

GRAPHIC (sbcf3q2026earningspresen014.jpg)

GRAPHIC (sbcf3q2026earningspresen015.jpg)

GRAPHIC (sbcf3q2026earningspresen016.jpg)

GRAPHIC (sbcf3q2026earningspresen017.jpg)

GRAPHIC (sbcf3q2026earningspresen018.jpg)

GRAPHIC (sbcf3q2026earningspresen019.jpg)

GRAPHIC (sbcf3q2026earningspresen020.jpg)

GRAPHIC (sbcf3q2026earningspresen021.jpg)

GRAPHIC (sbcf3q2026earningspresen022.jpg)

GRAPHIC (sbcf3q2026earningspresen023.jpg)

GRAPHIC (sbcf3q2026earningspresen024.jpg)

GRAPHIC (sbcf3q2026earningspresen025.jpg)

GRAPHIC (sbcf3q2026earningspresen026.jpg)

GRAPHIC (sbcf3q2026earningspresen027.jpg)

GRAPHIC (sbcflogoa.gif)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: sbcf-20261027.htm · Sequence: 1

sbcf-20261027

0000730708false00007307082026-10-272026-10-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): October 27, 2026

SEACOAST BANKING CORPORATION OF FLORIDA

(Exact Name of Registrant as Specified in Charter)

Florida 000-13660 59-2260678

(State or Other Jurisdiction

of Incorporation) (Commission

File Number) (IRS Employer

Identification No.)

815 COLORADO AVENUE, STUART FL 34994

(Address of Principal Executive Offices) (Zip Code)

Registrant’s telephone number, including area code (772) 287-4000

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, $0.10 par value SBCF Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

SEACOAST BANKING CORPORATION OF FLORIDA

Item 2.02    Results of Operations and Financial Condition

On October 27, 2026, Seacoast Banking Corporation of Florida ("Seacoast" or the "Company") announced its financial results for the three- and nine-month periods ended September 30, 2026. A copy of the Company's press release is attached hereto as Exhibit 99.1 and incorporated herein by reference.

Item 7.01    Regulation FD Disclosure

On October 28, 2026, Seacoast will hold an investor conference call to discuss its financial results. The conference call begins at 10:00 a.m. Eastern Time. Attached as Exhibit 99.2 is the presentation containing information used in the conference call and incorporated herein by reference, which is also available on the Company's website at www.seacoastbanking.com. All information included in the presentation is presented as of September 30, 2026, and the Company does not assume any obligation to correct or update said information in the future, unless required to do so by law.

The information in Items 2.02 and 7.01, as well as Exhibits 99.1 and 99.2, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, unless expressly stated in such filing.

Item 9.01    Financial Statements and Exhibits

(d) Exhibits

Exhibit No. Description

99.1

Press Release dated October 27, 2026, with respect to Seacoast's financial results for the quarter ended September 30, 2026

99.2

Data on website containing information used in the conference call to be held on October 28, 2026

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

Exhibits 99.1 and 99.2 referenced herein, contain “forward-looking statements” within the meaning, and protections, of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including, without limitation, statements about future financial and operating results, cost savings, enhanced revenues, economic and seasonal conditions in the Company’s markets, and improvements to reported earnings that may be realized from cost controls, tax law changes, new initiatives and for integration of banks that the Company has acquired or expects to acquire, as well as statements with respect to Seacoast's objectives, strategic plans, expectations and intentions and other statements that are not historical facts. Actual results may differ from those set forth in the forward-looking statements.

Forward-looking statements include statements with respect to the Company’s beliefs, plans, objectives, goals, expectations, anticipations, assumptions, estimates and intentions about future performance and involve known and unknown risks, uncertainties and other factors, which may be beyond the Company’s control, and which may cause the actual results, performance or achievements of Seacoast Banking Corporation of Florida or its wholly-owned banking subsidiary, Seacoast National Bank, to be materially different from future results, performance or achievements expressed or implied by such forward-looking statements. You should not expect the Company to update any forward-looking statements unless the Company is legally required to do so.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

SEACOAST BANKING CORPORATION OF FLORIDA

Dated: October 27, 2026 /s/ Tracey L. Dexter

Tracey L. Dexter

Chief Financial Officer

EX-99.1

EX-99.1

Filename: sbcf3qearningsrelease.htm · Sequence: 2

SBCF 3Q Earnings Release

SEACOAST REPORTS THIRD QUARTER 2026 RESULTS

Continued Improvement Across Profitability Metrics

Robust Organic Loan Growth with Sustained Pipeline Strength

Continued Strong Capital and Liquidity Position

STUART, Fla., October 27, 2026 /BUSINESS WIRE/ -- Seacoast Banking Corporation of Florida ("Seacoast" or the "Company") (NASDAQ: SBCF) today reported unaudited results of operations and other financial information for the third quarter of 2026.

Third Quarter 2026 Highlights

•Net income of $59.9 million, or $0.55 per share, increased 1% from the prior quarter and 64% from the prior year quarter. Adjusted net income1 of $71.8 million, or $0.66 per share, increased 9% from the prior quarter and 59% from the prior year quarter.

•Adjusted pre-tax pre-provision earnings1 increased 5% from the prior quarter and 49% from the prior year quarter.

•Net interest income grew 2% from the prior quarter and 37% from the prior year quarter.

•The net interest margin was stable at 3.83% compared to the prior quarter and, excluding accretion on acquired loans, net interest margin expanded one basis point to 3.66%.

•13% annualized organic loan growth in the third quarter and 10% annualized growth year to date.

•Average noninterest-bearing deposits grew 4% annualized from the prior quarter and noninterest-bearing demand deposits have grown 10% annualized year to date.

•Continued share repurchases, with over 1.2 million shares of common stock repurchased year to date.

•Return on average assets was 1.11% and adjusted return on average assets1 was 1.34%, compared to 1.25% in the prior quarter.

•Return on average tangible shareholders' equity was 14.34% and adjusted return on average tangible shareholders' equity1 was 16.89%, compared to 15.79% in the prior quarter.

•Successfully completed the integration of Villages Bancorporation, Inc. (“VBI”), solidifying a long-term growth partnership.

Charles M. Shaffer, Seacoast's Chairman and CEO, said, “Seacoast celebrates its 100th anniversary this month, and I am incredibly proud of the company we have become and the momentum we are carrying forward. Our third quarter results demonstrate the earnings power of our franchise, with record earnings, strong organic loan growth, and improved operating efficiency. Importantly, we continue to operate from a position of financial strength, with a fortress balance sheet, strong capital, and substantial liquidity.

Shaffer added, “Our team remains focused on serving clients, winning new business, and realizing the benefits of the investments we have made across the organization. Our expanded footprint, experienced bankers, and deep community presence position us well to continue growing relationships and improving productivity. At the same time, our balance sheet strength and financial flexibility give us the capacity to support our customers through economic cycles, invest in our business, and pursue disciplined growth.

Shaffer concluded, “As we enter our second century, I believe Seacoast has never been better positioned. We are larger, stronger, and more capable, with an exceptional team, a strong culture, and the financial strength to capitalize on the opportunities ahead. This quarter’s results reinforce our confidence in Seacoast’s ability to continue growing, improving returns, and creating enduring value for our customers, communities, and shareholders.”

1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and for a reconciliation to GAAP.

Financial Results

Income Statement

•Net income in the third quarter of 2026 was $59.9 million, or $0.55 per diluted share, compared to $59.5 million, or $0.55 per diluted share, in the prior quarter and $36.5 million, or $0.42 per diluted share, in the prior year quarter. Adjusted net income1 for the third quarter of 2026 was $71.8 million, or $0.66 per diluted share, compared to $65.8 million, or $0.61 per diluted share, for the prior quarter, and $45.2 million, or $0.52 per diluted share, for the prior year quarter. For the nine months ended September 30, 2026, net income was $151.3 million and adjusted net income1 was $205.4 million, compared to $110.6 million and $121.7 million, respectively, in the prior year period.

•Net revenues were $215.0 million in the third quarter of 2026, an increase of $6.8 million, or 3%, compared to the prior quarter, and an increase of $57.7 million, or 37%, compared to the prior year quarter. Adjusted net revenues1 were $217.5 million in the third quarter of 2026, an increase of $7.5 million, or 4%, compared to the prior quarter, and an increase of $58.9 million, or 37%, compared to the prior year quarter. For the nine months ended September 30, 2026, net revenues were $587.0 million, an increase of 31% compared to the prior year period.

•Pre-tax pre-provision earnings on an adjusted basis1 were $100.3 million in the third quarter of 2026, an increase of $4.9 million, or 5%, compared to the prior quarter, and an increase of $33.1 million, or 49%, compared to the third quarter of 2025. For the nine months ended September 30, 2026, adjusted pre-tax pre-provision earnings1 were $287.4 million, compared to $181.5 million in the prior year period.

•Net interest income totaled $183.4 million in the third quarter of 2026, an increase of $3.0 million, or 2%, compared to the prior quarter, and an increase of $49.9 million, or 37%, compared to the third quarter of 2025. Interest income on loans increased $9.2 million, or 5%, compared to the prior quarter due to higher average loan balances and higher core loan yields. Accretion on acquired loans was $8.5 million in the third quarter of 2026 compared to $8.9 million in the second quarter of 2026. Securities income decreased $0.8 million, or 1%, compared to the prior quarter as improved securities portfolio yields were more than offset by lower average securities balances. Interest expense on deposits increased $4.3 million, or 7%, compared to the prior quarter due to higher average balances and higher rates.

•Net interest margin was stable at 3.83% in the third quarter of 2026 compared to the second quarter of 2026, and increased 26 basis points compared to 3.57% in the third quarter of 2025. Excluding the effects of accretion on acquired loans, net interest margin expanded one basis point to 3.66% in the third quarter of 2026 compared to 3.65% in the second quarter of 2026, and increased 34 basis points compared to 3.32% in the third quarter of 2025. Loan yields were 5.89%, an increase of one basis point from the prior quarter. Excluding accretion on acquired loans, loan yields were 5.64%, up three basis points from both the prior quarter and the prior year quarter. Securities yields increased to 4.52%, up five basis points from the prior quarter and up 60 basis points from the prior year quarter. The cost of deposits increased seven basis points to 1.60% in the third quarter of 2026 compared to 1.53% in the prior quarter, and declined 21 basis points compared to 1.81% in the third quarter of 2025. The cost of funds increased five basis points to 1.74% compared to the prior quarter, and declined 22 basis points compared to the prior year quarter.

•The Company recorded a provision for credit losses of $6.3 million in the third quarter of 2026, reflecting continued strong loan growth and net charge-offs of $5.4 million. Allowance coverage of 1.41% at September 30, 2026 was higher by three basis points compared to June 30, 2026, and included an $8.4 million measurement period adjustment, identified and recorded in the third quarter of 2026, to the reserve for an acquired VBI loan.

•Noninterest income totaled $31.6 million in the third quarter of 2026, an increase of $3.8 million, or 14%, compared to the prior quarter, and an increase of $7.8 million, or 33%, compared to the prior year quarter. Net securities activity resulted in losses of $0.5 million during the third quarter of 2026. Other changes in the third quarter of 2026 included:

•Wealth management income totaled $6.1 million, an increase of $0.1 million, or 2%, from the prior quarter and an increase of $1.5 million, or 33%, from the prior year quarter. Assets under management have grown 29% year-over-year with a compound annual growth rate of 22% over the last five years.

•Mortgage banking income totaled $4.7 million, an increase of $2.0 million, or 73%, from the prior quarter, with higher interest rates driving higher values on mortgage servicing rights, offsetting similar declines earlier in 2026. Comparisons to the prior year quarter are impacted by the October 2025 acquisition of VBI resulting in the addition of mortgage origination activity in The Villages® communities.

•Insurance agency income totaled $1.8 million, an increase of $0.5 million, or 38%, from the prior quarter and an increase of $0.4 million, or 25%, from the prior year quarter, reflecting continued growth in the business including a small agency acquisition completed in the third quarter of 2026.

1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and for a reconciliation to GAAP.

•Other income totaled $7.5 million, an increase of $1.4 million, or 24%, compared to the prior quarter and an increase of $1.5 million, or 24%, from the prior year quarter. Compared to the prior quarter, the third quarter of 2026 included higher swap and syndication fees, higher gains on SBA loan sales and higher unrealized gains on SBIC investments.

•Noninterest expense was $133.3 million in the third quarter of 2026, an increase of $10.2 million, or 8%, compared to the prior quarter, and an increase of $31.3 million, or 31%, compared to the prior year quarter. Merger and integration costs totaled $15.5 million, compared to $8.4 million in the prior quarter and $10.8 million in the prior year quarter. Results for the third quarter of 2026 included:

•Salaries and employee benefits totaled $63.4 million, an increase of $0.3 million, or 1%, from the prior quarter and an increase of $9.7 million, or 18%, from the prior year quarter.

•Outsourced data processing costs totaled $12.5 million, an increase of $0.2 million, or 2%, from the prior quarter and an increase of $3.1 million, or 34%, from the prior year quarter.

•Occupancy and furniture and equipment expenses totaled $12.5 million, an increase of $0.1 million, or 1%, compared to the prior quarter and an increase of $2.7 million, or 27%, from the prior year quarter.

•Legal and professional fees totaled $2.7 million, an increase of $0.2 million, or 10%, compared to the prior quarter and an increase of $1.1 million, or 63%, from the prior year quarter.

•Amortization of intangibles totaled $9.9 million, consistent with the prior quarter and an increase of $3.9 million, or 65%, from the prior year quarter.

•Other expenses totaled $9.4 million, an increase of $1.4 million, or 17%, compared to the prior quarter and an increase of $3.6 million, or 60%, from the prior year quarter.

•The efficiency ratio was 61.0% in the third quarter of 2026, compared to 58.5% in the second quarter of 2026 and 64.4% in the third quarter of 2025. The adjusted efficiency ratio1 improved to 53.9% in the third quarter of 2026, compared to 54.5% in the second quarter of 2026 and 57.6% in the prior year quarter. The Company remains keenly focused on disciplined expense control while continuing to make investments to support growth.

Balance Sheet

•At September 30, 2026, the Company had total assets of $21.2 billion and total shareholders’ equity of $2.6 billion. Book value per common share was $26.83 as of September 30, 2026, compared to $28.20 as of June 30, 2026, and $27.07 as of September 30, 2025. Tangible book value per share, treating all convertible preferred shares as common was $15.96 as of September 30, 2026, compared to $17.25 as of June 30, 2026, and $17.61 as of September 30, 2025. Higher interest rates and wider spreads led to a decline in accumulated other comprehensive income associated with investment securities and related hedging activities, contributing approximately $1.63 to the decline in tangible book value per share during the third quarter of 2026.

•Debt securities totaled $5.2 billion as of September 30, 2026, a decrease of $551.3 million compared to June 30, 2026. The Company sold $234.0 million in securities during the third quarter of 2026 to fund strong loan growth. Debt securities as of September 30, 2026 included approximately $4.6 billion in securities classified as available-for-sale and recorded at fair value. The unrealized loss on these securities is fully reflected in the value presented on the balance sheet. The portfolio also includes $553.0 million in securities classified as held-to-maturity with a fair value of $435.3 million.

•Continued strong loan origination volume supported an increase in loan balances of $428.8 million, or 13% annualized, during the third quarter of 2026. The outlook for continued consistent growth remains strong, with commercial loan pipelines totaling $1.3 billion as of September 30, 2026.

•Total deposits were $16.6 billion as of September 30, 2026, compared to $16.8 billion as of June 30, 2026, with the decline including a $159.0 million decrease in brokered deposits and a $105.9 million decline in public funds. Outside of these two funding sources, deposits grew 1.3% annualized in all other categories.

•Noninterest-bearing demand deposits have grown at an annualized rate of 10% year to date.

•The cost of deposits increased seven basis points to 1.60% from 1.53% in the prior quarter.

•At September 30, 2026, customer transaction account balances continued to represent 48% of total deposits. The Company benefits from a granular deposit franchise, with the top ten depositors representing approximately 2% of total customer deposits.

1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and for a reconciliation to GAAP.

•Consumer deposits represented 47% of overall customer deposit funding with an average consumer customer balance of $26 thousand. Commercial deposits represented 53% of overall customer deposit funding with an average business customer balance of $120 thousand.

•Uninsured deposits represented 36% of overall deposit balances as of September 30, 2026. This includes public funds under the Florida Qualified Public Depository program, which provides loss protection to depositors beyond FDIC insurance limits. Excluding such balances, the uninsured and uncollateralized deposits were 32% of total deposits. The Company has liquidity sources including cash and lines of credit with the Federal Reserve and Federal Home Loan Bank and other borrowings that represented 148% of uninsured deposits, and 165% of uninsured and uncollateralized deposits.

•Federal Home Loan Bank and other borrowings averaged $862.1 million at 3.83% for the third quarter of 2026, compared to average borrowings of $915.0 million at 3.77% in the second quarter of 2026 and $637.8 million at 4.17% in the third quarter of 2025.

Asset Quality

•The ratio of criticized and classified loans to total loans was 2.90% at September 30, 2026, 2.88% at June 30, 2026, and 2.50% at September 30, 2025.

•Nonperforming loans were $73.3 million, or 0.54% of total loans, at September 30, 2026, a decrease of $13.3 million, or 15%, from $86.5 million, or 0.66% of total loans, as of June 30, 2026 and an increase of $12.7 million, or 21%, from $60.6 million, or 0.55%, of total loans, at September 30, 2025.

•Accruing past due loans were $27.4 million, or 0.20% of total loans, at September 30, 2026, compared to $20.1 million, or 0.15% of total loans, at June 30, 2026, and $20.3 million, or 0.19% of total loans, at September 30, 2025.

•Net charge-offs were $5.4 million in the third quarter of 2026, compared to $3.2 million in both the second quarter of 2026 and the third quarter of 2025. Net charge-offs for the four most recent quarters averaged 0.10% of total loans.

•The ratio of ACL to total loans was 1.41% at September 30, 2026, an increase of three basis points compared to 1.38% at June 30, 2026, and was 1.34% at September 30, 2025. The increase in coverage is the result of an $8.4 million measurement period adjustment, identified and recorded in the third quarter of 2026, to the reserve for an acquired VBI loan.

•Portfolio diversification, in terms of asset mix, industry, and loan type, has been a critical element of the Company's lending strategy. Exposure across industries and collateral types is broadly distributed.

•Construction and land development and commercial real estate loans remain well below regulatory guidance as of September 30, 2026 at 45% and 250% of total bank-level risk-based capital2, respectively, compared to 40% and 230%, respectively, at June 30, 2026. On a consolidated basis and as of September 30, 2026, construction and land development and commercial real estate loans represented 41% and 227%, respectively, of total consolidated risk-based capital2.

Capital and Liquidity

•The Company continues to operate with a fortress balance sheet, with a Tier 1 capital ratio at September 30, 2026 of 14.1%2 compared to 14.3% at June 30, 2026, and 14.5% at September 30, 2025. The Total capital ratio was 15.5%2, the Common Equity Tier 1 capital ratio was 11.3%2, and the Tier 1 leverage ratio was 10.5%2 at September 30, 2026. The Company is considered “well-capitalized” based on applicable U.S. regulatory capital ratio requirements.

•Tangible equity to tangible assets3 was 8.63% at September 30, 2026, compared to 9.25% at June 30, 2026, and 9.76% at September 30, 2025, with the decline associated with the impact of higher rates on the securities portfolio recorded through accumulated other comprehensive income. If all held-to-maturity securities were also reflected at fair value, the tangible equity ratio would have been 8.22% at September 30, 2026.

•During 2026, the Company has taken opportunities to leverage its strong capital position by repurchasing over 1.2 million shares of its common stock under its share repurchase program.

•At September 30, 2026, in addition to $303.2 million in cash, the Company had $8.5 billion in available borrowing capacity, including $5.3 billion in available collateralized lines of credit, $2.8 billion of unpledged debt securities available as collateral for potential additional borrowings, and available unsecured lines of credit of $348.0 million. These liquidity sources as of September 30, 2026, represented 165% of uninsured and uncollateralized deposits.

1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and for a reconciliation to GAAP.

2Estimated

3The Company defines tangible assets as total assets less intangible assets and tangible equity as total shareholders' equity plus convertible preferred stock less intangible assets.

OTHER INFORMATION

Conference Call Information

Seacoast will host a conference call on October 28, 2026, at 10:00 a.m. (Eastern Time) to discuss the third quarter of 2026 earnings results and business trends. Investors may call in (toll-free) by dialing (800) 715-9871 (Conference ID: 5608516). Charts will be used during the conference call and may be accessed at Seacoast’s website at www.SeacoastBanking.com by selecting “Presentations” under the heading “News/Events.” Additionally, a recording of the call will be made available to individuals shortly after the conference call and can be accessed via a link at www.SeacoastBanking.com under the heading “Corporate Information.” The recording will be available for one year.

About Seacoast Banking Corporation of Florida (NASDAQ: SBCF)

Seacoast Banking Corporation of Florida (NASDAQ: SBCF) is one of the largest community banks headquartered in Florida with approximately $21.2 billion in assets and $16.6 billion in deposits as of September 30, 2026. Seacoast provides integrated financial services including commercial and consumer banking, wealth management, and mortgage and insurance services to customers at 105 full-service branches across Florida and Georgia, and through advanced mobile and online banking solutions. Seacoast National Bank is the wholly-owned subsidiary bank of Seacoast Banking Corporation of Florida. For more information about Seacoast, visit www.SeacoastBanking.com.

Cautionary Notice Regarding Forward-Looking Statements

This press release contains “forward-looking statements” within the meaning, and protections, of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including, without limitation, statements about future financial and operating results, cost savings, enhanced revenues, economic and seasonal conditions in the Company’s markets, and improvements or impacts to reported earnings that may be realized from cost controls, tax law changes, conversion of preferred shares into common shares, new initiatives and for integration of banks that the Company has acquired, or expects to acquire, as well as statements with respect to Seacoast's objectives, strategic plans, expectations and intentions and other statements that are not historical facts. Actual results may differ from those set forth in the forward-looking statements.

Forward-looking statements include statements with respect to the Company’s beliefs, plans, objectives, goals, expectations, anticipations, assumptions, estimates and intentions about future performance and involve known and unknown risks, uncertainties and other factors, which may be beyond the Company’s control, and which may cause the actual results, performance or achievements of Seacoast Banking Corporation of Florida (“Seacoast” or the “Company”) or its wholly-owned banking subsidiary, Seacoast National Bank (“Seacoast Bank”), to be materially different from results, performance or achievements expressed or implied by such forward-looking statements. The Company undertakes no obligation to update any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.

All statements other than statements of historical fact could be forward-looking statements. You can identify these forward-looking statements through the use of words such as "may", "will", "anticipate", "assume", "should", "support", "indicate", "would", "believe", "contemplate", "expect", "estimate", "continue", "further", "plan", "point to", "project", "could", "intend", "target" or other similar words and expressions of the future. Forward-looking statements also include statements relating to expectations regarding net interest income, net interest margin, loan growth, deposit growth and mix, credit quality, noninterest income and expense, capital levels and liquidity. These forward-looking statements may not be realized due to a variety of factors, including, without limitation: the impact of current and future economic and market conditions generally (including seasonality) and in the financial services industry, nationally and within Seacoast’s primary market areas, including the effects of continued inflationary pressures, changes in interest rates, tariffs or trade wars (including reduced consumer spending), slowdowns in economic growth, and the potential for high unemployment rates, as well as the financial stress on borrowers and changes to customer and client behavior and credit risk as a result of the foregoing; potential impacts of adverse developments in the banking industry, or as encountered by other financial institutions that adversely affect Seacoast, and including impacts on customer confidence, deposit outflows, liquidity and the regulatory response thereto (including increases in the cost of our deposit insurance assessments), the Company's ability to effectively manage its liquidity risk and any growth plans, and the availability of capital and funding; governmental monetary and fiscal policies, including interest rate policies of the Board of Governors of the Federal Reserve, as well as risks related to legislative, tax and regulatory changes, including those that impact the money supply and inflation; the risks of continued changes in interest rates on the level and composition of deposits (as well as the cost of, and competition for, deposits), loan demand, liquidity and the values of loan collateral, securities, and interest rate sensitive assets and liabilities; interest rate risks (including the impacts of interest rates on macroeconomic conditions, and on our net interest

income), sensitivities and the shape of the yield curve; changes in accounting policies, rules and practices; changes in retail distribution strategies, customer preferences and behavior generally and as a result of economic factors, including heightened or persistent inflation; changes in borrower credit risks and payment behaviors, and changes in the availability and cost of credit and capital in the financial markets; changes in the prices, values and sales volumes of residential and commercial real estate, especially as they relate to the value of collateral supporting the Company’s loans; the Company’s concentration in commercial real estate loans and in real estate collateral in Florida; Seacoast’s ability to comply with any regulatory requirements and the risk that the regulatory environment may not be conducive to or may prohibit or delay the consummation of future mergers and/or business combinations, may increase the length of time and amount of resources required to consummate such transactions, and may reduce the anticipated benefit; inaccuracies or other failures from the use of models, including the failure of assumptions and estimates (including with respect to our financial statements), as well as differences in, and changes to, economic, market and credit conditions; the impact on the valuation of Seacoast’s investments due to market volatility or counterparty payment risk, as well as the effect of a decline in stock market prices on our fee income from our wealth management business; statutory and regulatory dividend restrictions; increases in regulatory capital requirements for banking organizations generally; the risks of mergers, acquisitions and divestitures, including Seacoast’s ability to continue to identify acquisition targets, successfully acquire and integrate desirable financial institutions and realize expected revenues and revenue synergies, and limit deposit, customer and employee attrition; changes in technology or products that may be more difficult, costly, or less effective than anticipated; the timely development and acceptance of new products and services as well as risks (including reputational and litigation) attendant thereto, and perceived overall value of these products and services by users; risks associated with the development and use of artificial intelligence; the Company’s ability to identify and address increased cybersecurity risks, including those impacting vendors and other third parties which may be exacerbated by developments in generative artificial intelligence; fraud or misconduct by internal or external parties, which Seacoast may not be able to prevent, detect or mitigate; inability of Seacoast’s risk management framework to manage risks associated with the Company’s business; dependence on key suppliers or vendors to obtain equipment or services for the business on acceptable terms; reduction in or the termination of Seacoast’s ability to use the online- or mobile-based platform that is critical to the Company’s business growth strategy; the effects of war or other conflicts, regime change, civil unrest, acts of terrorism, natural disasters, including hurricanes in the Company’s footprint, health emergencies, epidemics or pandemics, or other catastrophic events that may affect general economic conditions and/or increase costs, including, but not limited to, property and casualty and other insurance costs; Seacoast’s ability to maintain adequate internal controls over financial reporting; potential or actual claims, damages, penalties, fines, costs, unexpected outcomes and reputational damage resulting from new, existing, pending or future litigation, regulatory proceedings and enforcement actions; the risks that deferred tax assets could be reduced if estimates of future taxable income from the Company’s operations and tax planning strategies are less than currently estimated, the results of tax audit findings, challenges to our tax positions, or adverse changes or interpretations of tax laws; the effects of competition (including the inability to grow, or attrition of deposits, customers, and employees) from other commercial banks, thrifts, mortgage banking firms, consumer finance companies, credit unions, non-bank financial technology providers, securities brokerage firms, insurance companies, private credit funds, money market and other mutual funds and other financial institutions; the failure of assumptions underlying the establishment of reserves for expected credit losses; impairment of our goodwill or other intangible assets, risks related to, and the costs associated with, environmental, social and governance matters (“ESG”) and anti-ESG matters, including the scope and pace of related rulemaking activity and disclosure requirements and potential litigation and enforcement; legislative, regulatory or supervisory actions related to so-called “de-banking,” including any new prohibitions, requirements or enforcement priorities that could affect customer relationships, compliance obligations, or operational practices; government actions or inactions, including a deterioration of the credit rating for U.S. long-term sovereign debt, actions that the U.S. government may take to avoid exceeding the debt ceiling, and uncertainties surrounding the federal budget and economic policy, including the impact of tariffs and trade policies; the risk that balance sheet, revenue growth, and loan growth expectations may differ from actual results; and other factors and risks described herein and under “Risk Factors” in any of the Company's subsequent reports filed with the SEC and available on its website at www.sec.gov.

All written or oral forward-looking statements attributable to us are expressly qualified in their entirety by this cautionary notice, including, without limitation, those risks and uncertainties described in the Company’s annual report on Form 10-K for the year ended December 31, 2025 and in other periodic reports that the Company files with the SEC. Such reports are available upon request from the Company, or from the Securities and Exchange Commission, including through the SEC's Internet website at www.sec.gov.

FINANCIAL HIGHLIGHTS (Unaudited)

SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES

Quarterly Trends Nine Months Ended

(Amounts in thousands, except ratios and per share data) 3Q'26 2Q'26 1Q'26 4Q'25 3Q'25 3Q'26 3Q'25

Summary of Earnings

Net income $ 59,868  $ 59,535  $ 31,895  $ 34,260  $ 36,467  $ 151,298  $ 110,618

Adjusted net income1

71,846  65,819  67,777  47,741  45,164  205,442  121,732

Net interest income2

185,354  182,150  178,154  176,244  133,906  545,658  380,058

Net interest margin2,3

3.83  % 3.83  % 3.83  % 3.66  % 3.57  % 3.83  % 3.55  %

Pre-tax pre-provision earnings1

$ 83,781  $ 86,968  $ 43,519  $ 75,141  $ 55,887  $ 214,268  $ 166,713

Adjusted pre-tax pre-provision earnings1

100,323  95,470  91,646  93,170  67,190  287,439  181,503

Performance Ratios

Return on average assets-GAAP basis3

1.11  % 1.13  % 0.62  % 0.64  % 0.88  % 0.96  % 0.93  %

Adjusted return on average assets1,3

1.34  1.25  1.31  0.89  1.09  1.30  1.02

Return on average tangible assets-GAAP basis3,4

1.33  1.35  0.81  0.83  1.04  1.17  1.09

Adjusted return on average tangible assets1,3,4

1.56  1.48  1.55  1.10  1.26  1.53  1.19

Net adjusted noninterest expense to average tangible assets1,3,4

2.12  2.11  2.13  2.01  2.16  2.12  2.24

Return on average equity-GAAP basis3

8.71  8.74  4.69  4.99  6.17  7.38  6.51

Adjusted return on average equity1,3

10.45  9.66  9.96  6.95  7.64  10.02  7.17

Return on average tangible equity-GAAP basis3,4

14.34  14.44  8.51  9.05  10.70  12.44  11.23

Adjusted return on average tangible equity1,3,4

16.89  15.79  16.26  11.96  12.98  16.32  12.25

Efficiency ratio5

61.00  58.52  59.47  63.36  64.44  59.68  62.94

Adjusted efficiency ratio1

53.87  54.54  55.31  54.50  57.63  54.56  59.77

Noninterest income to total revenue (excluding securities gains/losses) 14.91  13.37  13.23  14.05  15.59  13.86  15.81

Tangible equity to tangible assets4

8.63  9.25  9.24  9.31  9.76  8.63  9.76

Tangible common equity to tangible assets4

6.91  7.55  7.52  7.56  9.76  6.91  9.76

Average loan-to-deposit ratio 79.89  77.89  77.58  73.60  82.99  78.47  84.12

End of period loan-to-deposit ratio 81.96  78.39  76.09  77.78  83.84  81.96  83.84

Per Share Data

Earnings per common share-diluted-GAAP basis $ 0.55  $ 0.55  $ 0.29  $ 0.31  $ 0.42  $ 1.39  $ 1.28

Earnings per common share-basic-GAAP basis 0.56  0.55  0.30  0.32  0.42  1.40  1.30

Adjusted earnings per common share-diluted1

0.66  0.61  0.62  0.44  0.52  1.89  1.41

Book value per common share 26.83  28.20  27.83  27.70  27.07  26.83  27.07

Book value per share, treating all convertible preferred shares as common6

27.22  28.44  28.10  27.99  27.07  27.22  27.07

Tangible book value per common share 14.27  15.71  15.33  15.14  17.61  14.27  17.61

Tangible book value per share, treating all convertible preferred shares as common4,6

15.96  17.25  16.90  16.72  17.61  15.96  17.61

Cash dividends declared on common and preferred stock7

0.19  0.19  0.19  0.19  0.18  0.57  0.54

Other Data

Full-time equivalent employees 1,954  1,964  1,949  1,962  1,601  1,954  1,601

Number of ATMs 193  192  192  191  103  193  103

Full-service banking offices 105  105  104  104  84  105  84

1Non-GAAP measure - see "Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP.

2Calculated on a fully taxable equivalent basis using amortized cost.

3These ratios are stated on an annualized basis and are not necessarily indicative of future periods.

4The Company defines tangible assets as total assets less intangible assets, tangible equity as total shareholders' equity plus convertible preferred stock less intangible assets, and tangible common equity as total shareholders' equity less intangible assets.

5Defined as noninterest expense less provision for credit losses on unfunded commitments and gains, losses, and expenses on foreclosed properties divided by net operating revenue (net interest income on a fully taxable equivalent basis plus noninterest income excluding securities gains and losses). Prior to the fourth quarter of 2025, the Company's presentation of the efficiency ratio excluded amortization expense on intangible assets. Prior periods have been updated to align with the current presentation.

6Calculated treating all convertible preferred shares as common. Each 1/1000th preferred share is convertible to one common share on the date a holder of preferred stock transfers such share of preferred stock to a non-affiliate of the holder. The Company believes a calculation presenting all convertible preferred shares as common provides useful supplemental information to the presentation of common share measures, as we anticipate they will be converted to common shares in the future.

7In the fourth quarter of 2025, non-voting convertible preferred shares were issued in connection with the VBI acquisition. Those shares earn dividends pro-rata with common shares.

CONSOLIDATED STATEMENTS OF INCOME (Unaudited)

SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES

Quarterly Trends Nine Months Ended

(Amounts in thousands, except per share data) 3Q'26 2Q'26 1Q'26 4Q'25 3Q'25 3Q'26 3Q'25

Interest and fees on loans $ 197,314  $ 188,161  $ 185,731  $ 187,408  $ 161,913  $ 571,206  $ 469,628

Interest and dividends on securities:

Taxable 58,212  59,051  56,579  53,445  35,975  173,842  97,835

Nontaxable 3,517  3,523  3,512  3,293  44  10,552  111

Interest on interest-bearing deposits and other investments 3,603  4,816  4,884  11,914  4,780  13,303  12,740

Total Interest Income 262,646  255,551  250,706  256,060  202,712  768,903  580,314

Interest on deposits 45,495  44,201  44,586  49,988  43,133  134,282  127,392

Interest on time certificates 21,650  18,663  17,583  20,914  16,341  57,896  46,434

Interest on borrowed money 12,146  12,292  12,067  10,531  9,770  36,505  27,639

Total Interest Expense 79,291  75,156  74,236  81,433  69,244  228,683  201,465

Net Interest Income 183,355  180,395  176,470  174,627  133,468  540,220  378,849

Provision for credit losses 6,297  8,997  761  29,260  8,371  16,055  22,000

Net Interest Income After Provision for Credit Losses 177,058  171,398  175,709  145,367  125,097  524,165  356,849

Noninterest income (loss):

Service charges on deposit accounts 7,088  7,045  6,912  6,472  6,194  21,045  16,914

Wealth management income 6,094  5,968  5,777  5,540  4,578  17,839  13,022

Mortgage banking income 4,739  2,744  2,166  3,108  517  9,649  1,606

Interchange income 2,258  2,093  2,067  2,483  2,008  6,418  5,710

Insurance agency income 1,847  1,336  1,790  1,191  1,481  4,973  4,390

BOLI income 2,647  2,609  2,617  2,687  3,875  7,873  9,723

Other 7,468  6,042  5,585  7,066  6,006  19,095  19,760

Total Noninterest Income Before Securities (Losses) Gains, Net 32,141  27,837  26,914  28,547  24,659  86,892  71,125

Securities (losses) gains, net (539) (59) (39,528) 84  (841) (40,126) (606)

Total Noninterest Income (Loss) 31,602  27,778  (12,614) 28,631  23,818  46,766  70,519

Noninterest expense:

Salaries and employee benefits 63,441  63,115  62,645  62,432  53,697  189,201  157,350

Outsourced data processing costs 12,465  12,242  11,995  11,257  9,337  36,702  26,366

Occupancy 9,385  9,591  9,235  9,330  7,627  28,211  22,460

Furniture and equipment 3,150  2,803  2,821  2,935  2,233  8,774  6,486

Marketing 3,515  3,525  3,467  3,149  2,509  10,507  8,215

Legal and professional fees 2,726  2,480  3,170  2,106  1,674  8,376  6,485

FDIC assessments 3,126  2,759  3,195  2,876  2,414  9,080  6,716

Amortization of intangibles 9,934  9,960  10,098  10,374  6,005  29,992  16,445

Other real estate owned expense and net loss (gain) on sale 497  85  63  (29) (346) 645  (97)

Provision for credit losses on unfunded commitments 150  150  150  812  150  450  450

Merger and integration costs 15,506  8,358  8,536  18,142  10,808  32,400  14,281

Other 9,430  8,042  6,796  7,162  5,879  24,268  19,157

Total Noninterest Expense 133,325  123,110  122,171  130,546  101,987  378,606  284,314

Income Before Income Taxes 75,335  76,066  40,924  43,452  46,928  192,325  143,054

Provision for income tax expense 15,467  16,531  9,029  9,192  10,461  41,027  32,436

Net Income 59,868  59,535  31,895  34,260  36,467  151,298  110,618

Preferred dividends 2,138  2,138  2,138  2,138  —  6,414  —

Net Income Available to Common Shareholders $ 57,730  $ 57,397  $ 29,757  $ 32,122  $ 36,467  $ 144,884  $ 110,618

Share Data

Net income per share of common stock

Diluted $ 0.55  $ 0.55  $ 0.29  $ 0.31  $ 0.42  $ 1.39  $ 1.28

Diluted, treating all convertible preferred shares as common1

0.55  0.55  0.29  0.31  0.42  1.39  1.28

Basic $ 0.56  $ 0.55  $ 0.30  $ 0.32  $ 0.42  $ 1.40  $ 1.30

Average common shares outstanding

Diluted 97,237  97,250  97,838  97,761  87,425  97,487  86,154

Additional common shares treating all convertible preferred shares as common1

11,250  11,250  11,250  11,250  —  11,250  —

Diluted, treating all convertible preferred shares as common1

108,487  108,500  109,088  109,011  87,425  108,737  86,154

Basic 96,269  96,438  96,840  96,816  86,619  96,514  85,398

1Non-GAAP measure - see "Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP.

CONSOLIDATED BALANCE SHEETS (Unaudited)

SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES

September 30, June 30, March 31, December 31, September 30,

(Amounts in thousands) 2026 2026 2026 2025 2025

Assets

Cash and due from banks $ 188,512  $ 191,965  $ 201,308  $ 181,429  $ 173,954

Interest-bearing deposits with other banks 114,733  237,979  607,071  207,116  132,040

Total cash and cash equivalents 303,245  429,944  808,379  388,545  305,994

Time deposits with other banks 498  747  2,490  14,424  30,852

Debt Securities:

Securities available-for-sale (at fair value) 4,634,355  5,174,602  5,069,260  5,164,567  3,212,080

Securities held-to-maturity (at amortized cost) 552,982  564,067  576,155  586,178  598,604

Total debt securities 5,187,337  5,738,669  5,645,415  5,750,745  3,810,684

Loans held for sale 14,462  18,565  18,188  16,297  10,841

Loans 13,574,211  13,145,439  12,641,432  12,627,984  10,964,173

Less: Allowance for credit losses (191,355) (182,050) (176,252) (178,803) (147,453)

Loans, net of allowance for credit losses 13,382,856  12,963,389  12,465,180  12,449,181  10,816,720

Bank premises and equipment, net 159,202  161,008  159,368  160,139  115,392

Goodwill 1,045,014  1,034,997  1,034,997  1,034,735  754,645

Other intangible assets, net 170,202  174,486  184,980  195,704  76,291

Bank owned life insurance 338,431  335,783  333,174  330,563  323,214

Net deferred tax assets 123,056  64,502  62,300  66,579  74,683

Other assets 469,063  437,982  430,676  435,419  357,588

Total Assets $ 21,193,366  $ 21,360,072  $ 21,145,147  $ 20,842,331  $ 16,676,904

Liabilities

Deposits

Noninterest demand $ 4,191,935  $ 4,216,499  $ 4,176,854  $ 3,897,985  $ 3,611,920

Interest-bearing demand 3,719,536  3,870,570  4,057,493  3,993,225  2,753,463

Savings 978,269  972,730  979,633  974,694  615,566

Money market 5,210,770  5,127,372  5,205,762  5,141,519  4,396,458

Time deposits 2,479,649  2,605,124  2,218,207  2,248,920  1,712,912

Total Deposits 16,580,159  16,792,295  16,637,949  16,256,343  13,090,319

Securities sold under agreements to repurchase 316,766  373,095  377,460  389,003  236,247

Federal Home Loan Bank and other borrowings 985,000  835,000  775,000  835,000  690,000

Long-term debt, net 112,985  112,910  112,836  112,761  107,464

Other liabilities 259,583  172,842  181,127  193,437  174,742

Total Liabilities 18,254,493  18,286,142  18,084,372  17,786,544  14,298,772

Convertible Preferred Stock 343,125  343,125  343,125  343,125  —

Shareholders' Equity

Common stock 9,888  9,878  9,878  9,873  8,864

Additional paid in capital 2,216,867  2,208,511  2,202,879  2,197,549  1,891,111

Retained earnings 692,658  653,623  614,853  603,793  590,384

Less: Treasury stock (63,498) (57,137) (31,373) (21,358) (20,804)

Total Shareholders' Equity Before Accumulated Other Comprehensive Loss 2,855,915  2,814,875  2,796,237  2,789,857  2,469,555

Accumulated other comprehensive loss, net (260,167) (84,070) (78,587) (77,195) (91,423)

Total Shareholders' Equity 2,595,748  2,730,805  2,717,650  2,712,662  2,378,132

Total Liabilities, Convertible Preferred Stock and Shareholders' Equity $ 21,193,366  $ 21,360,072  $ 21,145,147  $ 20,842,331  $ 16,676,904

Common shares outstanding 96,734  96,823  97,665  97,928  87,856

Additional common shares treating all convertible preferred shares as common1

11,250  11,250  11,250  11,250  —

Total common shares outstanding, treating all convertible preferred shares as common 107,984  108,073  108,915  109,178  87,856

1Each 1/1000th preferred share is convertible to one common share on the date a holder of preferred stock transfers such share of preferred stock to a non-affiliate of the holder.

CONSOLIDATED QUARTERLY FINANCIAL DATA (Unaudited)

SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES

Quarterly Trends

(Amounts in thousands) 3Q'26 2Q'26 1Q'26 4Q'25 3Q'25

Credit Analysis

Net charge-offs $ 5,391  $ 3,199  $ 3,312  $ 936  $ 3,208

Net charge-offs to average loans 0.16  % 0.10  % 0.11  % 0.03  % 0.12  %

Allowance for credit losses $ 191,355  $ 182,050  $ 176,252  $ 178,803  $ 147,453

Non-acquired loans at end of period 10,585,224  10,029,038  9,315,395  9,067,802  8,415,612

Acquired loans at end of period 2,988,987  3,116,401  3,326,037  3,560,182  2,548,561

Total Loans $ 13,574,211  $ 13,145,439  $ 12,641,432  $ 12,627,984  $ 10,964,173

Total allowance for credit losses to total loans at end of period 1.41  % 1.38  % 1.39  % 1.42  % 1.34  %

Purchase discount on acquired loans at end of period 3.88  3.98  3.99  4.04  3.86

End of Period

Nonperforming loans $ 73,283  $ 86,540  $ 95,032  $ 72,001  $ 60,562

Other real estate owned 3,263  3,473  4,250  4,250  5,085

Total Nonperforming Assets $ 76,546  $ 90,013  $ 99,282  $ 76,251  $ 65,647

Nonperforming Loans to Loans at End of Period 0.54  % 0.66  % 0.75  % 0.57  % 0.55  %

Nonperforming Assets to Total Assets at End of Period 0.36  0.42  0.47  0.37  0.39

Loans September 30, 2026 June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025

Construction and land development $ 946,988  $ 856,716  $ 745,362  $ 723,930  $ 616,475

Commercial real estate - owner occupied 2,177,048  2,121,853  2,021,885  2,043,625  1,898,704

Commercial real estate - non-owner occupied 4,485,279  4,237,563  4,178,003  4,254,992  3,766,541

Residential real estate 3,281,455  3,258,274  3,162,509  3,098,859  2,694,794

Commercial and financial 2,490,919  2,477,326  2,353,118  2,320,989  1,807,932

Consumer 192,522  193,707  180,555  185,589  179,727

Total Loans $ 13,574,211  $ 13,145,439  $ 12,641,432  $ 12,627,984  $ 10,964,173

AVERAGE BALANCES, INTEREST INCOME AND EXPENSES, YIELDS AND RATES1

(Unaudited)

SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES

3Q'26 2Q'26 3Q'25

Average Yield/ Average Yield/ Average Yield/

(Amounts in thousands) Balance Interest Rate Balance Interest Rate Balance Interest Rate

Assets

Earning assets:

Securities:

Taxable $ 5,190,690  $ 58,212  4.45  % $ 5,392,894  $ 59,051  4.39  % $ 3,644,261  $ 35,975  3.92  %

Nontaxable 327,915  4,719  5.71  330,322  4,727  5.74  6,752  54  3.17

Total Securities 5,518,605  62,931  4.52  5,723,216  63,778  4.47  3,651,013  36,029  3.92

Federal funds sold 168,287  1,577  3.72  292,952  2,622  3.59  258,779  2,896  4.44

Interest-bearing deposits with other banks and other investments 165,698  2,026  4.85  178,126  2,194  4.94  166,683  1,884  4.48

Total Loans, net2

13,341,725  198,111  5.89  12,862,053  188,712  5.88  10,805,143  162,341  5.96

Total Earning Assets 19,194,315  264,645  5.47  % 19,056,347  257,306  5.42  % 14,881,618  203,150  5.42  %

Allowance for credit losses (183,480) (177,763) (144,051)

Cash and due from banks 194,192  187,161  166,884

Bank premises and equipment, net 161,111  160,756  114,719

Intangible assets 1,208,953  1,214,829  827,294

Bank owned life insurance 336,807  334,159  321,754

Other assets including deferred tax assets 395,196  350,290  317,799

Total Assets $ 21,307,094  $ 21,125,779  $ 16,486,017

Liabilities, Convertible Preferred Stock & Shareholders' Equity

Interest-bearing liabilities:

Interest-bearing demand $ 3,807,997  $ 10,059  1.05  % $ 3,976,446  $ 11,108  1.12  % $ 2,671,750  $ 10,623  1.58  %

Savings 977,608  1,536  0.62  976,058  1,300  0.53  617,479  1,111  0.71

Money market 5,220,359  33,900  2.58  5,124,668  31,793  2.49  4,362,662  31,393  2.85

Time deposits 2,541,031  21,650  3.38  2,324,117  18,663  3.22  1,826,068  16,341  3.55

Securities sold under agreements to repurchase 353,074  1,994  2.24  344,612  1,889  2.20  224,328  1,359  2.40

Federal Home Loan Bank and other borrowings 862,109  8,331  3.83  915,000  8,608  3.77  637,826  6,703  4.17

Long-term debt, net and other 112,941  1,821  6.40  112,867  1,795  6.38  107,372  1,714  6.33

Total Interest-Bearing Liabilities 13,875,119  79,291  2.27  % 13,773,768  75,156  2.19  % 10,447,485  69,244  2.63  %

Noninterest demand 4,152,498  4,112,281  3,541,749

Other liabilities 208,520  164,252  151,550

Total Liabilities 18,236,137  18,050,301  14,140,784

Convertible preferred stock 343,125  343,125  —

Shareholders' equity 2,727,832  2,732,353  2,345,233

Total Liabilities, Convertible Preferred Stock & Equity $ 21,307,094  $ 21,125,779  $ 16,486,017

Cost of deposits 1.60  % 1.53  % 1.81  %

Cost of funds3

1.74  1.69  1.96

Interest expense as a % of earning assets 1.64  1.58  1.85

Net interest income as a % of earning assets $ 185,354  3.83  % $ 182,150  3.83  % $ 133,906  3.57  %

1On a fully taxable equivalent basis. All yields and rates have been computed using amortized cost.

2Fees on loans have been included in interest on loans. Nonaccrual loans are included in loan balances.

3Total interest expense as a percentage of total interest-bearing liabilities and noninterest demand deposits.

AVERAGE BALANCES, INTEREST INCOME AND EXPENSES, YIELDS AND RATES1

(Unaudited)

SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES

Nine Months Ended September 30, 2026 Nine Months Ended September 30, 2025

Average Yield/ Average Yield/

(Amounts in thousands, except ratios) Balance Interest Rate Balance Interest Rate

Assets

Earning assets:

Securities:

Taxable $ 5,313,350  $ 173,842  4.37  % $ 3,362,823  $ 97,835  3.89  %

Nontaxable 330,520  14,147  5.72  5,841  136  3.11

Total Securities 5,643,870  187,989  4.45  3,368,664  97,971  3.89

Federal funds sold 257,199  6,939  3.61  235,825  7,882  4.47

Interest-bearing deposits with other banks and other investments 177,487  6,364  4.79  136,760  4,858  4.75

Total Loans, net2

12,960,775  573,049  5.91  10,584,090  470,812  5.95

Total Earning Assets 19,039,331  774,341  5.44  % 14,325,339  581,523  5.43  %

Allowance for credit losses (180,248) (141,285)

Cash and due from banks 187,380  159,428

Bank premises and equipment, net 161,789  110,548

Intangible assets 1,216,400  808,564

Bank owned life insurance 334,184  314,700

Other assets including deferred tax assets 361,829  320,985

Total Assets $ 21,120,665  $ 15,898,279

Liabilities, Convertible Preferred Stock & Shareholders' Equity

Interest-bearing liabilities:

Interest-bearing demand $ 3,923,032  $ 32,696  1.11  % $ 2,666,794  $ 31,941  1.60  %

Savings 975,415  4,096  0.56  564,624  2,690  0.64

Money market 5,174,167  97,490  2.52  4,212,205  92,760  2.94

Time deposits 2,350,192  57,896  3.29  1,725,364  46,434  3.60

Securities sold under agreements to repurchase 348,772  5,736  2.20  203,943  3,930  2.58

Federal Home Loan Bank and other borrowings 874,832  25,368  3.88  582,565  18,584  4.27

Long-term debt, net and other 112,876  5,401  6.40  107,207  5,126  6.39

Total Interest-Bearing Liabilities 13,759,286  228,683  2.22  % 10,062,702  201,465  2.68  %

Noninterest demand 4,093,867  3,413,252

Other liabilities 184,227  151,036

Total Liabilities 18,037,380  13,626,990

Convertible preferred stock 343,125  —

Shareholders' equity 2,740,160  2,271,289

Total Liabilities, Convertible Preferred Stock & Equity $ 21,120,665  $ 15,898,279

Cost of deposits 1.56  % 1.85  %

Cost of funds3

1.71  2.00

Interest expense as a % of earning assets 1.61  1.88

Net interest income as a % of earning assets $ 545,658  3.83  % $ 380,058  3.55  %

1On a fully taxable equivalent basis. All yields and rates have been computed using amortized cost.

2Fees on loans have been included in interest on loans. Nonaccrual loans are included in loan balances.

3Total interest expense as a percentage of total interest-bearing liabilities and noninterest demand deposits.

CONSOLIDATED QUARTERLY FINANCIAL DATA (Unaudited)

SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES

September 30, June 30, March 31, December 31, September 30,

(Amounts in thousands) 2026 2026 2026 2025 2025

Customer Relationship Funding

Noninterest demand

Commercial $ 3,358,568  $ 3,369,981  $ 3,328,553  $ 3,053,115  $ 2,933,228

Retail 675,411  665,430  676,152  672,779  508,204

Public funds 72,972  95,381  95,841  112,548  96,396

Other 84,984  85,707  76,308  59,543  74,092

Total Noninterest Demand 4,191,935  4,216,499  4,176,854  3,897,985  3,611,920

Interest-bearing demand

Commercial 1,551,480  1,573,655  1,627,444  1,534,289  1,586,997

Retail 1,977,618  2,019,505  2,126,907  2,047,462  976,318

Public funds 190,438  277,410  303,142  411,474  190,148

Total Interest-Bearing Demand 3,719,536  3,870,570  4,057,493  3,993,225  2,753,463

Total transaction accounts

Commercial 4,910,048  4,943,636  4,955,997  4,587,404  4,520,225

Retail 2,653,029  2,684,935  2,803,059  2,720,241  1,484,522

Public funds 263,410  372,791  398,983  524,022  286,544

Other 84,984  85,707  76,308  59,543  74,092

Total Transaction Accounts 7,911,471  8,087,069  8,234,347  7,891,210  6,365,383

Savings

Commercial 42,052  40,787  40,481  43,189  43,102

Retail 936,217  931,943  939,152  931,505  572,464

Total Savings 978,269  972,730  979,633  974,694  615,566

Money market

Commercial 2,527,339  2,444,562  2,396,144  2,334,255  2,303,584

Retail 2,490,837  2,493,658  2,609,435  2,584,398  1,898,375

Public funds 192,594  189,152  200,183  222,866  194,499

Total Money Market 5,210,770  5,127,372  5,205,762  5,141,519  4,396,458

Brokered time certificates 452,610  611,578  209,281  120,865  189,561

Time deposits 2,027,039  1,993,546  2,008,926  2,128,055  1,523,351

Total Time Deposits 2,479,649  2,605,124  2,218,207  2,248,920  1,712,912

Total Deposits 16,580,159  16,792,295  16,637,949  16,256,343  13,090,319

Securities sold under agreements to repurchase 316,766  373,095  377,460  389,003  236,247

Total customer funding1

$ 16,444,315  $ 16,553,812  $ 16,806,128  $ 16,524,481  $ 13,137,005

1Total deposits and securities sold under agreements to repurchase, excluding brokered deposits. Securities sold under agreements to repurchase consists of customer sweep accounts.

Explanation of Certain Unaudited Non-GAAP Financial Measures

This presentation contains financial information determined by methods other than Generally Accepted Accounting Principles (“GAAP”). Management uses these non-GAAP financial measures in its analysis of the Company’s performance and believes these presentations provide useful supplemental information, and a clearer understanding of the Company’s performance. The Company believes the non-GAAP measures enhance investors’ understanding of the Company’s business and performance and if not provided would be requested by the investor community. These measures are also useful in understanding performance trends and facilitate comparisons with the performance of other financial institutions. The limitations associated with operating measures are the risk that persons might disagree as to the appropriateness of items comprising these measures and that different companies might define or calculate these measures differently. The Company provides reconciliations between GAAP and these non-GAAP measures. These disclosures should not be considered an alternative to GAAP.

GAAP TO NON-GAAP RECONCILIATION (Unaudited)

SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES

Quarterly Trends Nine Months Ended

(Amounts in thousands, except per share data) 3Q'26 2Q'26 1Q'26 4Q'25 3Q'25 3Q'26 3Q'25

Net income $ 59,868  $ 59,535  $ 31,895  $ 34,260  $ 36,467  $ 151,298  $ 110,618

Total noninterest income (loss) 31,602  27,778  (12,614) 28,631  23,818  46,766  70,519

Securities losses (gains), net 539  59  39,528  (84) 841  40,126  606

Total adjusted noninterest income 32,141  27,837  26,914  28,547  24,659  86,892  71,125

Total noninterest expense 133,325  123,110  122,171  130,546  101,987  378,606  284,314

Merger and integration costs (15,506) (8,358) (8,536) (18,142) (10,808) (32,400) (14,281)

Adjusted noninterest expense 117,819  114,752  113,635  112,404  91,179  346,206  270,033

Income taxes 15,467  16,531  9,029  9,192  10,461  41,027  32,436

Tax effect of adjustments 4,067  2,133  12,182  4,577  2,952  18,382  3,773

Adjusted income taxes 19,534  18,664  21,211  13,769  13,413  59,409  36,209

Adjusted net income 71,846  65,819  67,777  47,741  45,164  205,442  121,732

Earnings per common share-diluted, as reported 0.55  0.55  0.29  0.31  0.42  1.39  1.28

Adjusted earnings per common share-diluted $ 0.66  $ 0.61  $ 0.62  $ 0.44  $ 0.52  $ 1.89  $ 1.41

Average common shares-diluted 97,237  97,250  97,838  97,761  87,425  97,487  86,154

Average preferred shares, treating all convertible preferred shares as common 11,250  11,250  11,250  11,250  —  11,250  —

Average common shares-diluted, treating all convertible preferred shares as common 108,487  108,500  109,088  109,011  87,425  108,737  86,154

Adjusted noninterest expense $ 117,819  $ 114,752  $ 113,635  $ 112,404  $ 91,179  $ 346,206  $ 270,033

Provision for credit losses on unfunded commitments (150) (150) (150) (812) (150) (450) (450)

Other real estate owned expense and net (loss) gain on sale (497) (85) (63) 29  346  (645) 97

Amortization of intangibles (9,934) (9,960) (10,098) (10,374) (6,005) (29,992) (16,445)

Net adjusted noninterest expense 107,238  104,557  103,324  101,247  85,370  315,119  253,235

Average tangible assets $ 20,098,141  $ 19,910,950  $ 19,699,325  $ 19,976,896  $ 15,658,723  $ 19,904,265  $ 15,089,715

Net adjusted noninterest expense to average tangible assets 2.12  % 2.11  % 2.13  % 2.01  % 2.16  % 2.12  % 2.24  %

Net revenue $ 214,957  $ 208,173  $ 163,856  $ 203,258  $ 157,286  $ 586,986  $ 449,368

Total adjustments to net revenue 539  59  39,528  (84) 841  40,126  606

Impact of FTE adjustment 1,999  1,755  1,684  1,617  438  5,438  1,209

Adjusted net revenue on a FTE basis $ 217,495  $ 209,987  $ 205,068  $ 204,791  $ 158,565  $ 632,550  $ 451,183

Adjusted efficiency ratio 53.87  % 54.54  % 55.31  % 54.50  % 57.63  % 54.56  % 59.77  %

Net interest income $ 183,355  $ 180,395  $ 176,470  $ 174,627  $ 133,468  $ 540,220  $ 378,849

Impact of FTE adjustment 1,999  1,755  1,684  1,617  438  5,438  1,209

Net interest income including FTE adjustment 185,354  182,150  178,154  176,244  133,906  545,658  380,058

Total noninterest income (loss) 31,602  27,778  (12,614) 28,631  23,818  46,766  70,519

Total noninterest expense less provision for credit losses on unfunded commitments 133,175  122,960  122,021  129,734  101,837  378,156  283,864

Pre-tax pre-provision earnings 83,781  86,968  43,519  75,141  55,887  214,268  166,713

Total adjustments to noninterest income (loss) 539  59  39,528  (84) 841  40,126  606

Total adjustments to noninterest expense including other real estate owned expense and net (loss) gain on sale 16,003  8,443  8,599  18,113  10,462  33,045  14,184

Adjusted pre-tax pre-provision earnings $ 100,323  $ 95,470  $ 91,646  $ 93,170  $ 67,190  $ 287,439  $ 181,503

GAAP TO NON-GAAP RECONCILIATION (Unaudited)

SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES

Quarterly Trends Nine Months Ended

(Amounts in thousands, except per share data) 3Q'26 2Q'26 1Q'26 4Q'25 3Q'25 3Q'26 3Q'25

Average assets $ 21,307,094  $ 21,125,779  $ 20,924,927  $ 21,203,391  $ 16,486,017  $ 21,120,665  $ 15,898,279

Less average goodwill and intangible assets (1,208,953) (1,214,829) (1,225,602) (1,226,495) (827,294) (1,216,400) (808,564)

Average tangible assets $ 20,098,141  $ 19,910,950  $ 19,699,325  $ 19,976,896  $ 15,658,723  $ 19,904,265  $ 15,089,715

Return on average assets (ROA) 1.11  % 1.13  % 0.62  % 0.64  % 0.88  % 0.96  % 0.93  %

Impact of other adjustments for adjusted net income 0.23  0.12  0.69  0.25  0.21  0.34  0.09

Adjusted ROA 1.34  1.25  1.31  0.89  1.09  1.30  1.02

ROA 1.11  1.13  0.62  0.64  0.88  0.96  0.93

Impact of removing average intangible assets and related amortization 0.22  0.22  0.19  0.19  0.16  0.21  0.16

Return on average tangible assets (ROTA) 1.33  1.35  0.81  0.83  1.04  1.17  1.09

Impact of other adjustments for adjusted net income 0.23  0.13  0.74  0.27  0.22  0.36  0.10

Adjusted ROTA 1.56  1.48  1.55  1.10  1.26  1.53  1.19

Return on average equity (ROE) 8.71  8.74  4.69  4.99  6.17  7.38  6.51

Impact of other adjustments for adjusted net income 1.74  0.92  5.27  1.96  1.47  2.64  0.65

Adjusted ROE 10.45  % 9.66  % 9.96  % 6.95  % 7.64  % 10.02  % 7.17  %

Average shareholders' equity $ 2,727,832  $ 2,732,353  $ 2,760,656  $ 2,724,208  $ 2,345,233  $ 2,740,160  $ 2,271,289

Average convertible preferred stock 343,125  343,125  343,125  343,125  —  343,125  —

Less average goodwill and intangible assets (1,208,953) (1,214,829) (1,225,602) (1,226,495) (827,294) (1,216,400) (808,564)

Average tangible equity $ 1,862,004  $ 1,860,649  $ 1,878,179  $ 1,840,838  $ 1,517,939  $ 1,866,885  $ 1,462,725

ROE 8.71  % 8.74  % 4.69  % 4.99  % 6.17  % 7.38  % 6.51  %

Impact of adding convertible preferred stock and removing average intangible assets and related amortization 5.63  5.70  3.82  4.06  4.53  5.06  4.72

Return on average tangible equity (ROTE) 14.34  14.44  8.51  9.05  10.70  12.44  11.23

Impact of other adjustments for adjusted net income 2.55  1.35  7.75  2.91  2.28  3.88  1.02

Adjusted ROTE 16.89  % 15.79  % 16.26  % 11.96  % 12.98  % 16.32  % 12.25  %

Loan interest income1

$ 198,111  $ 188,712  $ 186,227  $ 187,910  $ 162,341  $ 573,049  $ 470,812

Accretion on acquired loans (8,493) (8,901) (12,094) (10,645) (9,543) (29,488) (28,347)

Loan interest income excluding accretion on acquired loans1

$ 189,618  $ 179,811  $ 174,133  $ 177,265  $ 152,798  $ 543,561  $ 442,465

Yield on loans1

5.89  % 5.88  % 5.96  % 6.02  % 5.96  % 5.91  % 5.95  %

Impact of accretion on acquired loans (0.25) (0.27) (0.39) (0.34) (0.35) (0.30) (0.36)

Yield on loans excluding accretion on acquired loans1

5.64  % 5.61  % 5.57  % 5.68  % 5.61  % 5.61  % 5.59  %

Net interest income1

$ 185,354  $ 182,150  $ 178,154  $ 176,244  $ 133,906  $ 545,658  $ 380,058

Accretion on acquired loans (8,493) (8,901) (12,094) (10,645) (9,543) (29,488) (28,347)

Net interest income excluding accretion on acquired loans1

$ 176,861  $ 173,249  $ 166,060  $ 165,599  $ 124,363  $ 516,170  $ 351,711

Net interest margin1

3.83  % 3.83  % 3.83  % 3.66  % 3.57  % 3.83  % 3.55  %

Impact of accretion on acquired loans (0.17) (0.18) (0.26) (0.22) (0.25) (0.21) (0.27)

Net interest margin excluding accretion on acquired loans1

3.66  % 3.65  % 3.57  % 3.44  % 3.32  % 3.62  % 3.28  %

Securities interest income1

$ 62,931  $ 63,778  $ 61,279  $ 57,852  $ 36,029  $ 187,989  $ 97,971

Tax equivalent adjustment on securities (1,202) (1,204) (1,188) (1,114) (10) (3,594) (25)

Securities interest income excluding tax equivalent adjustment 61,729  62,574  60,091  56,738  36,019  184,395  97,946

Loan interest income1

198,111  188,712  186,227  187,910  162,341  573,049  470,812

Tax equivalent adjustment on loans (797) (551) (496) (503) (428) (1,844) (1,184)

Loan interest income excluding tax equivalent adjustment 197,314  188,161  185,731  187,407  161,913  571,205  469,628

Net interest income1

185,354  182,150  178,154  176,243  133,906  545,658  380,058

Tax equivalent adjustment on securities (1,202) (1,204) (1,188) (1,114) (10) (3,594) (25)

Tax equivalent adjustment on loans (797) (551) (496) (503) (428) (1,844) (1,184)

Net interest income excluding tax equivalent adjustments $ 183,355  $ 180,395  $ 176,470  $ 174,626  $ 133,468  $ 540,220  $ 378,849

1On a fully taxable equivalent basis. All yields and rates have been computed using amortized cost.

EX-99.2

EX-99.2

Filename: sbcf3q2026earningspresen.htm · Sequence: 3

sbcf3q2026earningspresen

EARNINGS PRESENTATION THIRD QUARTER 2026 2026

2THIRD QUARTER 2026 EARNINGS PRESENTATION This presentation contains “forward-looking statements” within the meaning, and protections, of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including, without limitation, statements about future financial and operating results, cost savings, enhanced revenues, economic and seasonal conditions in the Company’s markets, and improvements or impacts to reported earnings that may be realized from cost controls, tax law changes, conversion of preferred shares into common shares, new initiatives and for integration of banks (including Villages Bancorporation, Inc. (“VBI”)) that the Company has acquired, or expects to acquire, as well as statements with respect to Seacoast's objectives, strategic plans, expectations and intentions and other statements that are not historical facts. Actual results may differ from those set forth in the forward-looking statements. Forward-looking statements include statements with respect to the Company’s beliefs, plans, objectives, goals, expectations, anticipations, assumptions, estimates and intentions about future performance and involve known and unknown risks, uncertainties and other factors, which may be beyond the Company’s control, and which may cause the actual results, performance or achievements of Seacoast Banking Corporation of Florida (“Seacoast” or the “Company”) or its wholly-owned banking subsidiary, Seacoast National Bank (“Seacoast Bank”), to be materially different from results, performance or achievements expressed or implied by such forward-looking statements. The Company undertakes no obligation to update any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law. All statements other than statements of historical fact could be forward-looking statements. You can identify these forward- looking statements through the use of words such as "may", "will", "anticipate", "assume", "should", "support", "indicate", "would", "believe", "contemplate", "expect", "estimate", "continue", "further", "plan", "point to", "project", "could", "intend", "target" or other similar words and expressions of the future. Forward-looking statements also include statements relating to expectations regarding net interest income, net interest margin, loan growth, deposit growth and mix, credit quality, noninterest income and expense, capital levels and liquidity. These forward-looking statements may not be realized due to a variety of factors, including, without limitation: the impact of current and future economic and market conditions generally (including seasonality) and in the financial services industry, nationally and within Seacoast’s primary market areas, including the effects of continued inflationary pressures, changes in interest rates, tariffs or trade wars (including reduced consumer spending), slowdowns in economic growth, and the potential for high unemployment rates, as well as the financial stress on borrowers and changes to customer and client behavior and credit risk as a result of the foregoing; potential impacts of adverse developments in the banking industry, or as encountered by other financial institutions that adversely affect Seacoast, and including impacts on customer confidence, deposit outflows, liquidity and the regulatory response thereto (including increases in the cost of our deposit insurance assessments), the Company's ability to effectively manage its liquidity risk and any growth plans, and the availability of capital and funding; governmental monetary and fiscal policies, including interest rate policies of the Board of Governors of the Federal Reserve, as well as risks related to legislative, tax and regulatory changes, including those that impact the money supply and inflation; the risks of continued changes in interest rates on the level and composition of deposits (as well as the cost of, and competition for, deposits), loan demand, liquidity and the values of loan collateral, securities, and interest rate sensitive assets and liabilities; interest rate risks (including the impacts of interest rates on macroeconomic conditions, and on our net interest income), sensitivities and the shape of the yield curve; changes in accounting policies, rules and practices; changes in retail distribution strategies, customer preferences and behavior generally and as a result of economic factors, including heightened or persistent inflation; changes in borrower credit risks and payment behaviors, and changes in the availability and cost of credit and capital in the financial markets; changes in the prices, values and sales volumes of residential and commercial real estate, especially as they relate to the value of collateral supporting the Company’s loans; the Company’s concentration in commercial real estate loans and in real estate collateral in Florida; Seacoast’s ability to comply with any regulatory requirements and the risk that the regulatory environment may not be conducive to or may prohibit or delay the consummation of future mergers and/or business combinations, may increase the length of time and amount of resources required to consummate such transactions, and may reduce the anticipated benefit; inaccuracies or other failures from the use of models, including the failure of assumptions and estimates (including with respect to our financial statements), as well as differences in, and changes to, economic, market and credit conditions; the impact on the valuation of Seacoast’s investments due to market volatility or counterparty payment risk, as well as the effect of a decline in stock market prices on our fee income from our wealth management business; statutory and regulatory dividend restrictions; increases in regulatory capital requirements for banking organizations generally; the risks of mergers, acquisitions and divestitures, including Seacoast’s ability to continue to identify acquisition targets, successfully acquire and integrate desirable financial institutions and realize expected revenues and revenue synergies, and limit deposit, customer and employee attrition; changes in technology or products that may be more difficult, costly, or less effective than anticipated; the timely development and acceptance of new products and services as well as risks (including reputational and litigation) attendant thereto, and perceived overall value of these products and services by users; risks associated with the development and use of artificial intelligence; the Company’s ability to identify and address increased cybersecurity risks, including those impacting vendors and other third parties which may be exacerbated by developments in generative artificial intelligence; fraud or misconduct by internal or external parties, which Seacoast may not be able to prevent, detect or mitigate; inability of Seacoast’s risk management framework to manage risks associated with the Company’s business; dependence on key suppliers or vendors to obtain equipment or services for the business on acceptable terms; reduction in or the termination of Seacoast’s ability to use the online- or mobile-based platform that is critical to the Company’s business growth strategy; the effects of war or other conflicts, regime change, civil unrest, acts of terrorism, natural disasters, including hurricanes in the Company’s footprint, health emergencies, epidemics or pandemics, or other catastrophic events that may affect general economic conditions and/or increase costs, including, but not limited to, property and casualty and other insurance costs; Seacoast’s ability to maintain adequate internal controls over financial reporting; potential or actual claims, damages, penalties, fines, costs, unexpected outcomes and reputational damage resulting from new, existing, pending or future litigation, regulatory proceedings and enforcement actions; the risks that deferred tax assets could be reduced if estimates of future taxable income from the Company’s operations and tax planning strategies are less than currently estimated, the results of tax audit findings, challenges to our tax positions, or adverse changes or interpretations of tax laws; the effects of competition (including the inability to grow, or attrition of deposits, customers, and employees) from other commercial banks, thrifts, mortgage banking firms, consumer finance companies, credit unions, non-bank financial technology providers, securities brokerage firms, insurance companies, private credit funds, money market and other mutual funds and other financial institutions; the failure of assumptions underlying the establishment of reserves for expected credit losses; impairment of our goodwill or other intangible assets, risks related to, and the costs associated with, environmental, social and governance matters (“ESG”) and anti-ESG matters, including the scope and pace of related rulemaking activity and disclosure requirements and potential litigation and enforcement; legislative, regulatory or supervisory actions related to so-called “de-banking,” including any new prohibitions, requirements or enforcement priorities that could affect customer relationships, compliance obligations, or operational practices; government actions or inactions, including a deterioration of the credit rating for U.S. long-term sovereign debt, actions that the U.S. government may take to avoid exceeding the debt ceiling, and uncertainties surrounding the federal budget and economic policy, including the impact of tariffs and trade policies; the risk that balance sheet, revenue growth, and loan growth expectations may differ from actual results; and other factors and risks described herein and under “Risk Factors” in any of the Company's subsequent reports filed with the SEC and available on its website at www.sec.gov. All written or oral forward-looking statements attributable to us are expressly qualified in their entirety by this cautionary notice, including, without limitation, those risks and uncertainties described in the Company’s annual report on Form 10-K for the year ended December 31, 2025 and in other periodic reports that the Company files with the SEC. Such reports are available upon request from the Company, or from the Securities and Exchange Commission, including through the SEC's Internet website at www.sec.gov. Cautionary Notice Regarding Forward-Looking Statements

3THIRD QUARTER 2026 EARNINGS PRESENTATION • Sustained, strong presence in Florida’s most attractive markets and recent expansion into the greater Atlanta market • #15 Florida market share ▪ #1 Florida-based bank in Orlando MSA ▪ #1 Florida-based bank in 12 counties in Florida ▪ #1 overall market share in Port St. Lucie and Wildwood-The Villages MSA • Exceptionally strong balance sheet, with industry leading capital and liquidity position ▪ 14.1%1 Tier 1 capital ratio ▪ 82% loan-to-deposit ratio Valuable Footprint with Strong Capital and Liquidity 1Estimated Counties with Seacoast Customers Counties with Seacoast Locations* Branches (105) Headquarters

4THIRD QUARTER 2026 EARNINGS PRESENTATION • Net income of $59.9 million, or $0.55 per share, increased 1% from the prior quarter and 64% from the prior year quarter. Adjusted net income1 of $71.8 million, or $0.66 per share, increased 9% from the prior quarter and 59% from the prior year quarter. • Adjusted pre-tax pre-provision earnings1 increased 5% from the prior quarter and 49% from the prior year quarter. • Net interest income grew 2% from the prior quarter and 37% from the prior year quarter. • The net interest margin was stable at 3.83% compared to the prior quarter and, excluding accretion on acquired loans, net interest margin expanded one basis point to 3.66%. • Return on average assets was 1.11% and adjusted return on average assets1 was 1.34%, compared to 1.25% in the prior quarter. • 13% annualized organic loan growth in the third quarter and 10% annualized growth year to date. • Average noninterest-bearing deposits grew 4% annualized from the prior quarter and noninterest- bearing demand deposits have grown 10% annualized year to date. • Return on average tangible shareholders' equity was 14.34% and adjusted return on average tangible shareholders' equity1 was 16.89%, compared to 15.79% in the prior quarter. • Strong capital position, with a Tier 1 capital ratio of 14.1%2. • Continued share repurchases, with over 1.2 million shares of common stock repurchased year to date. Third Quarter 2026 Highlights 1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. 2Estimated

5THIRD QUARTER 2026 EARNINGS PRESENTATION Net Interest Income and Net Interest Margin ($ in m ill io ns ) $133.9 $176.2 $178.2 $182.2 $185.4 3.57% 3.66% 3.83% 3.83% 3.83% 3.32% 3.44% 3.57% 3.65% 3.66% Net Interest Income Net Interest Margin NIM, excluding accretion on acquired loans 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 Net interest income1 totaled $185.4 million, an increase of $3.2 million, or 2%, from the prior quarter. Net interest margin was stable at 3.83%. Excluding the effect of accretion on acquired loans, net interest margin expanded one basis point to 3.66%. Securities yields increased five basis points from the prior quarter to 4.52%. Loan yields increased one basis point from the prior quarter to 5.89%. Excluding the effect of accretion on acquired loans, loan yields increased three basis points to 5.64%. The cost of deposits increased seven basis points to 1.60% and the cost of funds increased five basis points to 1.74%. 1 1Calculated on a fully taxable equivalent basis using amortized cost.

6THIRD QUARTER 2026 EARNINGS PRESENTATION $23.8 $28.6 $(12.6) $27.8 $31.6 $24.7 $28.5 $26.9 $27.8 $32.1 Noninterest income Adjusted noninterest income 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 Noninterest income totaled $31.6 million, an increase of $3.8 million, or 14%, from the prior quarter. Adjusted noninterest income1 increased $4.3 million, or 15%, from the prior quarter to $32.1 million. Changes from the prior quarter included: Wealth management income totaled $6.1 million, an increase of $0.1 million, or 2%. Assets under management have grown 29% year-over- year. Mortgage banking income totaled $4.7 million, an increase of $2.0 million, or 73%, with higher interest rates driving higher values on mortgage servicing rights, offsetting declines recognized earlier in 2026. Insurance agency income totaled $1.8 million, an increase of $0.5 million, or 38%, reflecting continued growth in the business including a small agency acquisition completed in the third quarter of 2026. Other income totaled $7.5 million, an increase of $1.4 million, or 24%, primarily due to higher swap and syndication fees, higher gains on SBA loan sales and higher unrealized gains on SBIC investments. ($ in millions) 1 Strategic repositioning of the securities portfolio in 1Q’26 resulted in a $39.5 million loss. Noninterest Income 1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP.

7THIRD QUARTER 2026 EARNINGS PRESENTATION $1,387 $1,711 $2,053 $2,808 $3,184 2022 2023 2024 2025 3Q’26 Growth in Wealth Management Assets under management totaled $3.2 billion at September 30, 2026, increasing 29% year-over- year. $574 million in new organic assets under management year-to-date in 2026 driven by both new and expanding existing client relationships. Since 2022, assets under management have increased at a compound annual growth rate (“CAGR”) of 22%. 22% CAGR Assets Under Management End-of-Period ($ in millions)

8THIRD QUARTER 2026 EARNINGS PRESENTATION $91.2 $112.4 $113.6 $114.8 $117.8 57.6% 54.5% 55.3% 54.5% 53.9% Adjusted noninterest expense Adjusted Efficiency Ratio Total Assets 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 Noninterest Expense Noninterest expense was $133.3 million in the third quarter of 2026, an increase of $10.2 million, or 8%, compared to the prior quarter, and an increase of $31.3 million, or 31%, compared to the prior year quarter. Merger and integration costs totaled $15.5 million, compared to $8.4 million in the prior quarter and $10.8 million in the prior year quarter. Results for the third quarter of 2026 included: • Salaries and employee benefits totaled $63.4 million, an increase of $0.3 million, or 1%, from the prior quarter and an increase of $9.7 million, or 18%, from the prior year quarter. • Outsourced data processing costs totaled $12.5 million, an increase of $0.2 million, or 2%, from the prior quarter and an increase of $3.1 million, or 34%, from the prior year quarter. • Occupancy and furniture and equipment expenses totaled $12.5 million, an increase of $0.1 million, or 1%, compared to the prior quarter and an increase of $2.7 million, or 27%, from the prior year quarter. • Legal and professional fees totaled $2.7 million, an increase of $0.2 million, or 10%, compared to the prior quarter and an increase of $1.1 million, or 63%, from the prior year quarter. • Amortization of intangibles totaled $9.9 million, consistent with the prior quarter and an increase of $3.9 million, or 65%, from the prior year quarter. • Other expenses totaled $9.4 million, an increase of $1.4 million, or 17%, compared to the prior quarter and an increase of $3.6 million, or 60%, from the prior year quarter. ($ in millions) $102.0 $130.5 $122.2 $123.1 $133.3 64.4% 63.4% 59.5% 58.5% 61.0% Noninterest expense Efficiency Ratio Total Assets 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 Noninterest Expense $16,677 $20,842 $21,145 $21,360 $21,193 Adjusted Noninterest Expense1 $16,677 $20,842 $21,145 $21,360 $21,193 1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP.

9THIRD QUARTER 2026 EARNINGS PRESENTATION $10,964 $12,628 $12,641 $13,145 $13,574 5.96% 6.02% 5.96% 5.88% 5.89% 5.61% 5.68% 5.57% 5.61% 5.64% Yield Excluding Accretion on Acquired Loans Reported Yield Total Loans 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 $1,134 $948 $1,045 $1,291 $1,275 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 Commercial Loan Pipeline ($ in millions) Total Loans End-of-Period ($ in millions) Disciplined Loan Growth Supported by a Strong Pipeline Broad-based loan growth generated a net increase of $429 million in loans outstanding, a 13% annualized increase during the quarter. Seacoast continues to benefit from the investments made in recent years to attract talent from large regional and national banks across its markets. Commercial loan pipelines remain strong at $1.3 billion.

10THIRD QUARTER 2026 EARNINGS PRESENTATION CRE-Retail, 11% CRE-Industrial/Warehouse, 7% CRE-Office, 4% CRE-Multifamily 5+, 4% CRE-Hotel/Motel, 2% CRE-Other, 5% Construction & Land Development, 7% Residential, 24% Consumer, 1% OOCRE, 16% Commercial & Financial, 19% At September 30, 2026 Loan Portfolio Mix Seacoast's lending strategy results in a diverse and granular loan portfolio. Seacoast’s average loan size is $478 thousand and the average commercial loan size is $1.1 million at September 30, 2026. Portfolio diversification in terms of asset mix, industry, and loan type has been a critical element of the Company’s lending strategy. Strong loan growth has been broad-based across the portfolio, and exposures across industries and collateral types remain well diversified. Construction and land development and commercial real estate loans, as defined in regulatory guidance, represent 41% and 227%, respectively, of total consolidated risk-based capital1. 1Estimated

11THIRD QUARTER 2026 EARNINGS PRESENTATION Allowance for Credit Losses and Purchase Discount ($ in millions) Loans Outstanding Allowance for Credit Losses % of Loans Outstanding Purchase Discount % of Loans Outstanding Construction and Land Development $ 947 $ 9 0.95 % $ 1 0.11 % Owner Occupied Commercial Real Estate 2,177 24 1.10 12 0.55 Commercial Real Estate 4,485 66 1.47 52 1.16 Residential Real Estate 3,281 50 1.52 39 1.19 Commercial & Financial 2,491 35 1.41 16 0.64 Consumer 193 7 3.63 1 0.52 Total $ 13,574 $ 191 1.41 % $ 121 0.89 % • The total allowance for credit losses was $191 million as of September 30, 2026, representing 1.41% of total loans. The balance includes an $8.4 million measurement period adjustment, which was identified and recorded in the third quarter of 2026, to the reserve for an acquired VBI loan. • The $121 million remaining unrecognized discount on acquired loans represents 0.89% of total loans. • The reserve for unfunded commitments was $7 million at September 30, 2026 and is reflected in Other liabilities.

12THIRD QUARTER 2026 EARNINGS PRESENTATION 0.12% 0.03% 0.11% 0.10% 0.16% NCO/Average Loans 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 1.34% 1.42% 1.39% 1.38% 1.41% ACL/Total Loans 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 Continued Strong Asset Quality Trends Nonperforming Loans 0.55% 0.57% 0.75% 0.66% 0.54% 0.19% 0.26% 0.22% 0.15% 0.20% NPL/Total Loans Accruing Past Due / Total Loans 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 2.50% 2.82% 2.82% 2.88% 2.90% Criticized and Classified Loans / Total Loans 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 Criticized and Classified LoansAllowance for Credit Losses Net Charge-Offs

13THIRD QUARTER 2026 EARNINGS PRESENTATION Well-Managed Deposit Costs Deposits were $16.6 billion as of September 30, 2026, compared to $16.8 billion as of June 30, 2026, with the decline including a $159.0 million decrease in brokered deposits and a $105.9 million decline in public funds. Outside of these two funding sources, deposits grew 1.3% annualized in all other categories. Noninterest-bearing demand deposits have grown at an annualized rate of 10% year to date. Our continued focus on organic growth in combination with front line banking talent additions in recent years continues to drive customer acquisition, and supports a well diversified, low cost deposit portfolio. $12,498 Deposits End-of-Period ($ in millions) $13,090 $16,256 $16,638 $16,792 $16,580 4.25% 3.75% 3.75% 3.75% 4.00% 1.81% 1.67% 1.54% 1.53% 1.60% Total Deposits Fed Funds Upper Limit Cost of Deposits 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26

14THIRD QUARTER 2026 EARNINGS PRESENTATION Deposits End-of-Period ($ in millions) $13,090 $16,256 $16,638 $16,792 $16,580 Transaction Accounts Savings Money Market Brokered Time Deposits 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 Granular, Diverse and Relationship-Focused Customer Funding Base The Company benefits from a granular deposit franchise, with the top ten depositors representing approximately 2% of total customer deposits. Customer transaction account balances represent 48% of total deposits, comparing favorably to regional bank peers and demonstrating the strength of our operating account relationships. Consumer and business deposits represent 47% and 53% of total customer deposits, respectively, with an average balance per account of $26 thousand and $120 thousand. This mix reflects a balanced deposit base with strong customer relationship driven funding. The average customer tenure is 11 years, highlighting strong customer retention and the durability of the franchise through varying interest rate cycles. 48%48%50% 48% 48% 6%6%6%6% 5% 34% 32% 31% 30% 31%1% 1% 1% 4% 3% 12% 13% 12% 12% 12%

15THIRD QUARTER 2026 EARNINGS PRESENTATION Investment Securities Performance and Composition Portfolio yields increased five basis points to 4.52% from 4.47% in the prior quarter. Net unrealized losses in the available-for-sale portfolio increased $237.0 million during the third quarter of 2026, driven by spread widening and higher rates. Sold $234.0 million in securities during the third quarter of 2026 to fund strong loan growth. Net Unrealized Loss in Securities ($ in millions) 9/30/2026 6/30/2026 △ from 2Q'26 Total Available-for-Sale $ (348,684) $ (111,730) $ (236,954) Total Held-to-Maturity (117,671) (98,349) (19,322) Total Securities $ (466,355) $ (210,079) $ (256,276) ($ in m ill io ns ) $3,811 $5,751 $5,645 $5,739 $5,187 $599 $586 $576 $564 $553 $3,212 $5,165 $5,069 $5,175 $4,634 3.92% 4.13% 4.37% 4.47% 4.52% HTM Securities AFS Securities Yield 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 AAA, 10% AA, 4% BBB, 3% Agency, 83% Investment portfolio is predominantly agency-backed, with the remainder comprised of highly rated investment grade bonds.

16THIRD QUARTER 2026 EARNINGS PRESENTATION $17.61 $15.14 $15.33 $15.71 $14.27 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 15.9% 15.9% 16.0% 15.7% 15.5% 13.9% 11.5% 11.7% 11.5% 11.3% Total Risk Based Capital CET1 Ratio Adjusted CET1 Ratio 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 10.7% 9.1% 8.5% 14.4% 14.3% 13.0% 12.0% 16.3% 15.8% 16.9% GAAP - ROTE Adjusted - ROTE 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 1Calculated treating all convertible preferred shares as common. Each 1/1000th preferred share is convertible to one common share on the date a holder of preferred stock transfers such share of preferred stock to a non-affiliate of the holder. The Company defines tangible equity as total shareholders' equity plus convertible preferred stock less intangible assets. 2Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. 3FDICIA defines well capitalized as 10.0% for total risk-based capital and 6.5% for CET1 ratio at a total Bank level. 4Current quarter ratios are estimated. Tangible Book Value Per Share (TBV/share) Tangible Equity / Tangible Assets Total Risk-Based and CET1 Capital4Return on Tangible Equity 2 10.0%3 6.5%3 Robust Capital Position Supporting a Fortress Balance Sheet $17.251 $15.961 16.901 9.8% 7.6% 7.5% 7.5% 6.9% Tangible Common Equity to Tangible Assets Tangible Equity to Tangible Assets 3Q'25 4Q'25 1Q'26 2Q'26 3Q'26 9.3% 8.6%9.2% 14.1% 13.8% 13.6% 1 16.721 9.3% 14.0% $1.63 impact from market decline in AFS securities.

17THIRD QUARTER 2026 EARNINGS PRESENTATION $17.25 $0.66 $(0.16) $(0.22) $(1.63) $0.06 $15.96 TBV / Share at 2Q’26 Adjusted Net Income Merger and Integration Related Items Dividends and Share Repurchases Unrealized Net Losses on AFS Securities and Hedges Other TBV / Share at 3Q’26 Change in Tangible Book Value Per Share Tangible book value per share, treating all convertible preferred shares as common, was $15.96 as of September 30, 2026, compared to $17.25 as of June 30, 2026. Declines in accumulated other comprehensive income associated with investment securities and related hedging activities contributed approximately $1.63 to the decline in tangible book value per share. Seacoast’s AFS portfolio is over 80% agency- guaranteed. Longer duration holdings saw a greater decline in value from market rate increases and wider spreads during the third quarter of 2026; however, no realized loss is expected. 1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. 2Includes merger and integration costs and changes in goodwill and intangible assets from measurement period adjustments. 2 1

18THIRD QUARTER 2026 EARNINGS PRESENTATION 4Q and Full Year 2026 Outlook ($ in millions except per share data) 2025 Actual 2026 Outlook Adjusted Revenue (fully taxable equivalent basis) $ 656 28% - 31% Growth Adjusted Efficiency Ratio 58 % 53% - 55% Adjusted Earnings Per Share-Diluted $ 1.84 $2.48 - $2.52 Organic Loan Growth 9.4 % High Single Digit Growth Organic Deposit Growth 1.2 % Low to Mid Single Digit Growth 4Q’25 Actual 4Q’26 Outlook Adjusted ROA 0.89 % 1.30% Adjusted ROTE 12.0 % 16.0% Adjusted measures are non-GAAP measures, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP.

19THIRD QUARTER 2026 EARNINGS PRESENTATION Appendix

20THIRD QUARTER 2026 EARNINGS PRESENTATION Quarterly Trend ($ in millions, except per share amounts) 3Q'26 2Q'26 1Q'26 4Q'25 3Q'25 Accretion on acquired loans $ 8.5 $ 8.9 $ 12.1 $ 10.6 $ 9.5 Amortization of intangibles 9.9 10.0 10.1 10.4 6.0 Accretion on acquired loans, net of amortization of intangibles (1.4) (1.1) 2.0 0.2 3.5 Tax effect (0.4) (0.3) 0.5 0.1 0.9 Accretion on acquired loans, net of amortization of intangibles, after taxes $ (1.0) $ (0.8) $ 1.5 $ 0.1 $ 2.6 Net per share impact $ (0.01) $ (0.01) $ 0.01 $ — $ 0.03 • The positive impact of acquisition-related fair value marks on loans is largely offset by expense associated with amortization of intangibles, resulting in a nominal net effect on earnings. • Accretion on acquired loans of $8.5 million, net of amortization of intangibles of $9.9 million in Q3 2026 resulted in a $(0.01) impact to diluted earnings per share. Selected Acquisition-Related Impacts to Earnings

21THIRD QUARTER 2026 EARNINGS PRESENTATION Recognition 4th consecutive year 2nd consecutive year6th consecutive year 2nd consecutive year 1st time winner2nd consecutive year 4th consecutive year

22THIRD QUARTER 2026 EARNINGS PRESENTATION About Non-GAAP Financial Measures: This presentation contains financial information determined by methods other than Generally Accepted Accounting Principles (“GAAP”). The financial highlights provide reconciliations between GAAP and adjusted financial measures including net income, noninterest income, noninterest expense, tax adjustments and other financial ratios. Management uses these non-GAAP financial measures in its analysis of the Company’s performance and believes these presentations provide useful supplemental information, and a clearer understanding of the Company’s performance. The Company believes the non-GAAP measures enhance investors’ understanding of the Company’s business and performance and if not provided would be requested by the investor community. These measures are also useful in understanding performance trends and facilitate comparisons with the performance of other financial institutions. The limitations associated with operating measures are the risk that persons might disagree as to the appropriateness of items comprising these measures and that different companies might define or calculate these measures differently. The Company provides reconciliations between GAAP and these non-GAAP measures. These disclosures should not be considered an alternative to GAAP. Presentation of Non-GAAP Financial Measures: Certain monetary amounts, percentages and other figures included in this presentation have been subject to rounding adjustments. Accordingly, figures shown as totals in certain tables may not be the arithmetic aggregation of the figures that precede them and the total of the four quarters may not be the arithmetic aggregation of the year-to-date value. Explanation of Certain Unaudited Non-GAAP Financial Measures

23THIRD QUARTER 2026 EARNINGS PRESENTATION Quarterly Trend Nine Months Ended (Amounts in millions except per share data) 3Q'26 2Q'26 1Q'26 4Q'25 3Q'25 3Q'26 3Q'25 Net Income $ 59.9 $ 59.5 $ 31.9 $ 34.3 $ 36.5 $ 151.3 $ 110.6 Total noninterest income (loss) 31.6 27.8 (12.6) 28.6 23.8 46.8 70.5 Securities losses (gains), net 0.5 0.1 39.5 (0.1) 0.8 40.1 0.6 Total adjusted noninterest income 32.1 27.8 26.9 28.5 24.7 86.9 71.1 Total noninterest expense 133.3 123.1 122.2 130.5 102.0 378.6 284.3 Merger and integration costs (15.5) (8.4) (8.5) (18.1) (10.8) (32.4) (14.3) Adjusted noninterest expense 117.8 114.8 113.6 112.4 91.2 346.2 270.0 Income taxes 15.5 16.5 9.0 9.2 10.5 41.0 32.4 Tax effect of adjustments 4.1 2.1 12.2 4.6 3.0 18.4 3.8 Adjusted income taxes 19.5 18.7 21.2 13.8 13.4 59.4 36.2 Adjusted net income 71.8 65.8 67.8 47.7 45.2 205.4 121.7 Earnings per common share-diluted, as reported 0.55 0.55 0.29 0.31 0.42 1.39 1.28 Adjusted earnings per common share-diluted $ 0.66 $ 0.61 $ 0.62 $ 0.44 $ 0.52 $ 1.89 $ 1.41 Average common shares-diluted 97.2 97.3 97.8 97.8 87.4 97.5 86.2 Average preferred shares, treating all convertible preferred shares as common 11.3 11.3 11.3 11.3 — 11.3 — Average common shares-diluted, treating all convertible preferred shares as common 108.5 108.5 109.1 109.0 87.4 108.7 86.2 GAAP to Non-GAAP Reconciliation

24THIRD QUARTER 2026 EARNINGS PRESENTATION Quarterly Trend Nine Months Ended (Amounts in millions except per share data) 3Q'26 2Q'26 1Q'26 4Q'25 3Q'25 3Q'26 3Q'25 Adjusted noninterest expense $ 117.8 $ 114.8 $ 113.6 $ 112.4 $ 91.2 $ 346.2 $ 270.0 Provision for credit losses on unfunded commitments (0.2) (0.2) (0.2) (0.8) (0.2) (0.5) (0.5) Other real estate owned expense and net (loss) gain on sale (0.5) (0.1) (0.1) — 0.3 (0.6) 0.1 Amortization of intangibles (9.9) (10.0) (10.1) (10.4) (6.0) (30.0) (16.4) Net adjusted noninterest expense 107.2 104.6 103.3 101.2 85.4 315.1 253.2 Average tangible assets $ 20,098.1 $ 19,911.0 $ 19,699.3 $ 19,976.9 $ 15,658.7 $ 19,904.3 $ 15,089.7 Net adjusted noninterest expense to average tangible assets 2.12 % 2.11 % 2.13 % 2.01 % 2.16 % 2.12 % 2.24 % Net revenue $ 215.0 $ 208.2 $ 163.9 $ 203.3 $ 157.3 $ 587.0 $ 449.4 Total adjustments to net revenue 0.5 0.1 39.5 (0.1) 0.8 40.1 0.6 Impact of FTE adjustment 2.0 1.8 1.7 1.6 0.4 5.4 1.2 Adjusted net revenue on a FTE basis $ 217.5 $ 210.0 $ 205.1 $ 204.8 $ 158.6 $ 632.6 $ 451.2 Adjusted efficiency ratio 53.87 % 54.54 % 55.31 % 54.50 % 57.63 % 54.56 % 59.77 % Net interest income $ 183.4 $ 180.4 $ 176.5 $ 174.6 $ 133.5 $ 540.2 $ 378.8 Impact of FTE adjustment 2.0 1.8 1.7 1.6 0.4 5.4 1.2 Net interest income including FTE adjustment 185.4 182.2 178.2 176.2 133.9 545.7 380.1 Total noninterest income (loss) 31.6 27.8 (12.6) 28.6 23.8 46.8 70.5 Total noninterest expense less provision for credit losses on unfunded commitments 133.2 123.0 122.0 129.7 101.8 378.2 283.9 Pre-tax pre-provision earnings 83.8 87.0 43.5 75.1 55.9 214.3 166.7 Total adjustments to noninterest income (loss) 0.5 0.1 39.5 (0.1) 0.8 40.1 0.6 Total adjustments to noninterest expense including other real estate owned expense and net (loss) gain on sale 16.0 8.4 8.6 18.1 10.5 33.0 14.2 Adjusted pre-tax pre-provision earnings $ 100.3 $ 95.5 $ 91.6 $ 93.2 $ 67.2 $ 287.4 $ 181.5 GAAP to Non-GAAP Reconciliation

25THIRD QUARTER 2026 EARNINGS PRESENTATION Quarterly Trend Nine Months Ended (Amounts in millions except per share data) 3Q'26 2Q'26 1Q'26 4Q'25 3Q'25 3Q'26 3Q'25 Average assets $ 21,307.1 $ 21,125.8 $ 20,924.9 $ 21,203.4 $ 16,486.0 $ 21,120.7 $ 15,898.3 Less average goodwill and intangible assets (1,209.0) (1,214.8) (1,225.6) (1,226.5) (827.3) (1,216.4) (808.6) Average tangible assets $ 20,098.1 $ 19,911.0 $ 19,699.3 $ 19,976.9 $ 15,658.7 $ 19,904.3 $ 15,089.7 Return on average assets (ROA) 1.11 % 1.13 % 0.62 % 0.64 % 0.88 % 0.96 % 0.93 % Impact of other adjustments for adjusted net income 0.23 0.12 0.69 0.25 0.21 0.34 0.09 Adjusted ROA 1.34 1.25 1.31 0.89 1.09 1.30 1.02 ROA 1.11 1.13 0.62 0.64 0.88 0.96 0.93 Impact of removing average intangible assets and related amortization 0.22 0.22 0.19 0.19 0.16 0.21 0.16 Return on average tangible assets (ROTA) 1.33 1.35 0.81 0.83 1.04 1.17 1.09 Impact of other adjustments for adjusted net income 0.23 0.13 0.74 0.27 0.22 0.36 0.10 Adjusted ROTA 1.56 1.48 1.55 1.10 1.26 1.53 1.19 Return on average equity (ROE) 8.71 8.74 4.69 4.99 6.17 7.38 6.51 Impact of other adjustments for adjusted net income 1.74 0.92 5.27 1.96 1.47 2.64 0.65 Adjusted ROE 10.45 % 9.66 % 9.96 % 6.95 % 7.64 % 10.02 % 7.17 % Average shareholders' equity $ 2,727.8 $ 2,732.4 $ 2,760.7 $ 2,724.2 $ 2,345.2 $ 2,740.2 $ 2,271.3 Average convertible preferred stock 343.1 343.1 343.1 343.1 — 343.1 — Less average goodwill and intangible assets (1,209.0) (1,214.8) (1,225.6) (1,226.5) (827.3) (1,216.4) (808.6) Average tangible equity $ 1,862.0 $ 1,860.6 $ 1,878.2 $ 1,840.8 $ 1,517.9 $ 1,866.9 $ 1,462.7 ROE 8.71 % 8.74 % 4.69 % 4.99 % 6.17 % 7.38 % 6.51 % Impact of adding convertible preferred stock and removing average intangible assets and related amortization 5.63 5.70 3.82 4.06 4.53 5.06 4.72 Return on average tangible equity (ROTE) 14.34 14.44 8.51 9.05 10.70 12.44 11.23 Impact of other adjustments for adjusted net income 2.55 1.35 7.75 2.91 2.28 3.88 1.02 Adjusted ROTE 16.89 % 15.79 % 16.26 % 11.96 % 12.98 % 16.32 % 12.25 % GAAP to Non-GAAP Reconciliation

26THIRD QUARTER 2026 EARNINGS PRESENTATION Quarterly Trend Nine Months Ended (Amounts in millions except per share data) 3Q'26 2Q'26 1Q'26 4Q'25 3Q'25 3Q'26 3Q'25 Loan interest income1 $ 198.1 $ 188.7 $ 186.2 $ 187.9 $ 162.3 $ 573.0 $ 470.8 Accretion on acquired loans (8.5) (8.9) (12.1) (10.6) (9.5) (29.5) (28.3) Loan interest income excluding accretion on acquired loans1 $ 189.6 $ 179.8 $ 174.1 $ 177.3 $ 152.8 $ 543.6 $ 442.5 Yield on loans1 5.89 % 5.88 % 5.96 % 6.02 % 5.96 % 5.91 % 5.95 % Impact of accretion on acquired loans (0.25) (0.27) (0.39) (0.34) (0.35) (0.30) (0.36) Yield on loans excluding accretion on acquired loans1 5.64 % 5.61 % 5.57 % 5.68 % 5.61 % 5.61 % 5.59 % Net interest income1 $ 185.4 $ 182.2 $ 178.2 $ 176.2 $ 133.9 $ 545.7 $ 380.1 Accretion on acquired loans (8.5) (8.9) (12.1) (10.6) (9.5) (29.5) (28.3) Net interest income excluding accretion on acquired loans1 $ 176.9 $ 173.2 $ 166.1 $ 165.6 $ 124.4 $ 516.2 $ 351.7 Net interest margin1 3.83 % 3.83 % 3.83 % 3.66 % 3.57 % 3.83 % 3.55 % Impact of accretion on acquired loans (0.17) (0.18) (0.26) (0.22) (0.25) (0.21) (0.27) Net interest margin excluding accretion on acquired loans1 3.66 % 3.65 % 3.57 % 3.44 % 3.32 % 3.62 % 3.28 % Securities interest income1 $ 62.9 $ 63.8 $ 61.3 $ 57.9 $ 36.0 $ 188.0 $ 98.0 Tax equivalent adjustment on securities (1.2) (1.2) (1.2) (1.1) — (3.6) — Securities interest income excluding tax equivalent adjustment 61.7 62.6 60.1 56.7 36.0 184.4 97.9 Loan interest income1 198.1 188.7 186.2 187.9 162.3 573.0 470.8 Tax equivalent adjustment on loans (0.8) (0.6) (0.5) (0.5) (0.4) (1.8) (1.2) Loan interest income excluding tax equivalent adjustment 197.3 188.2 185.7 187.4 161.9 571.2 469.6 Net interest income1 185.4 182.2 178.2 176.2 133.9 545.7 380.1 Tax equivalent adjustment on securities (1.2) (1.2) (1.2) (1.1) — (3.6) — Tax equivalent adjustment on loans (0.8) (0.6) (0.5) (0.5) (0.4) (1.8) (1.2) Net interest income excluding tax equivalent adjustments $ 183.4 $ 180.4 $ 176.5 $ 174.6 $ 133.5 $ 540.2 $ 378.8 GAAP to Non-GAAP Reconciliation 1On a fully taxable equivalent basis. All yields and rates have been computed using amortized cost.

27THIRD QUARTER 2026 EARNINGS PRESENTATION Quarterly Trend Nine Months Ended (Amounts in millions except per share data) 3Q'26 2Q'26 1Q'26 4Q'25 3Q'25 3Q'26 3Q'25 Total shareholders’ equity $ 2,595.7 $ 2,730.8 $ 2,717.7 $ 2,712.7 $ 2,378.1 $ 2,595.7 $ 2,378.1 Goodwill (1,045.0) (1,035.0) (1,035.0) (1,034.7) (754.6) (1,045.0) (754.6) Other intangible assets, net (170.2) (174.5) (185.0) (195.7) (76.3) (170.2) (76.3) Total adjustments to shareholders’ equity (1,215.2) (1,209.5) (1,220.0) (1,230.4) (830.9) (1,215.2) (830.9) Total tangible common shareholders’ equity 1,380.5 1,521.3 1,497.7 1,482.2 1,547.2 1,380.5 1,547.2 Convertible preferred stock 343.1 343.1 343.1 343.1 — 343.1 — Total tangible shareholders’ equity $ 1,723.7 $ 1,864.4 $ 1,840.8 $ 1,825.3 $ 1,547.2 $ 1,723.7 $ 1,547.2 Common stock, shares outstanding 96.7 96.8 97.7 97.9 87.9 96.7 87.9 Preferred stock1, shares outstanding 11.3 11.3 11.3 11.3 — 11.3 — Common stock, shares outstanding, treating all preferred shares as common 108.0 108.1 108.9 109.2 87.9 108.0 87.9 Tangible book value per share $ 14.27 $ 15.71 $ 15.33 $ 15.14 $ 17.61 $ 14.27 $ 17.61 Tangible book value per share, treating all preferred shares as common 15.96 17.25 16.90 16.72 17.61 15.96 17.61 Net income available to common shareholders 57.7 57.4 29.8 32.1 36.5 144.9 110.6 Less allocation of earnings to preferred stock-diluted (4.1) (4.1) (1.2) (1.4) — (9.3) — Net income available to common shareholders after allocation of earnings to preferred stock $ 53.6 $ 53.3 $ 28.6 $ 30.7 $ 36.5 $ 135.6 $ 110.6 Average common shares-diluted 97.2 97.3 97.8 97.8 87.4 97.5 86.2 Average preferred shares, treating all preferred shares as common 11.3 11.3 11.3 11.3 — 11.3 — Average common shares-diluted, treating all preferred shares as common 108.5 108.5 109.1 109.0 87.4 108.7 86.2 Earnings per common share-diluted, as reported $ 0.55 $ 0.55 $ 0.29 $ 0.31 $ 0.42 $ 1.39 $ 1.28 Earnings per common share-diluted, treating all preferred shares as common 0.55 0.55 0.29 0.31 0.42 1.39 1.28 GAAP to Non-GAAP Reconciliation 1In the fourth quarter of 2025, non-voting convertible preferred shares were issued in connection with the VBI acquisition. Each 1/1000th preferred share is convertible to one common share on the date a holder of preferred stock transfers such share of preferred stock to a non-affiliate of the holder.

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen001.jpg · Sequence: 7

Binary file (96985 bytes)

Download sbcf3q2026earningspresen001.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen002.jpg · Sequence: 8

Binary file (321349 bytes)

Download sbcf3q2026earningspresen002.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen003.jpg · Sequence: 9

Binary file (119611 bytes)

Download sbcf3q2026earningspresen003.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen004.jpg · Sequence: 10

Binary file (155285 bytes)

Download sbcf3q2026earningspresen004.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen005.jpg · Sequence: 11

Binary file (118553 bytes)

Download sbcf3q2026earningspresen005.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen006.jpg · Sequence: 12

Binary file (125549 bytes)

Download sbcf3q2026earningspresen006.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen007.jpg · Sequence: 13

Binary file (84094 bytes)

Download sbcf3q2026earningspresen007.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen008.jpg · Sequence: 14

Binary file (138748 bytes)

Download sbcf3q2026earningspresen008.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen009.jpg · Sequence: 15

Binary file (105285 bytes)

Download sbcf3q2026earningspresen009.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen010.jpg · Sequence: 16

Binary file (107927 bytes)

Download sbcf3q2026earningspresen010.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen011.jpg · Sequence: 17

Binary file (111745 bytes)

Download sbcf3q2026earningspresen011.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen012.jpg · Sequence: 18

Binary file (83115 bytes)

Download sbcf3q2026earningspresen012.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen013.jpg · Sequence: 19

Binary file (110248 bytes)

Download sbcf3q2026earningspresen013.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen014.jpg · Sequence: 20

Binary file (121913 bytes)

Download sbcf3q2026earningspresen014.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen015.jpg · Sequence: 21

Binary file (118466 bytes)

Download sbcf3q2026earningspresen015.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen016.jpg · Sequence: 22

Binary file (121964 bytes)

Download sbcf3q2026earningspresen016.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen017.jpg · Sequence: 23

Binary file (104594 bytes)

Download sbcf3q2026earningspresen017.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen018.jpg · Sequence: 24

Binary file (93635 bytes)

Download sbcf3q2026earningspresen018.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen019.jpg · Sequence: 25

Binary file (31536 bytes)

Download sbcf3q2026earningspresen019.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen020.jpg · Sequence: 26

Binary file (110590 bytes)

Download sbcf3q2026earningspresen020.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen021.jpg · Sequence: 27

Binary file (109350 bytes)

Download sbcf3q2026earningspresen021.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen022.jpg · Sequence: 28

Binary file (166062 bytes)

Download sbcf3q2026earningspresen022.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen023.jpg · Sequence: 29

Binary file (133718 bytes)

Download sbcf3q2026earningspresen023.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen024.jpg · Sequence: 30

Binary file (169113 bytes)

Download sbcf3q2026earningspresen024.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen025.jpg · Sequence: 31

Binary file (181926 bytes)

Download sbcf3q2026earningspresen025.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen026.jpg · Sequence: 32

Binary file (177728 bytes)

Download sbcf3q2026earningspresen026.jpg

GRAPHIC

GRAPHIC

Filename: sbcf3q2026earningspresen027.jpg · Sequence: 33

Binary file (180950 bytes)

Download sbcf3q2026earningspresen027.jpg

GRAPHIC

GRAPHIC

Filename: sbcflogoa.gif · Sequence: 34

Binary file (9403 bytes)

Download sbcflogoa.gif

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 36

v3.26.3

Cover Page

Oct. 27, 2026

Cover [Abstract]

Document Type

8-K

Document Period End Date

Oct. 27, 2026

Entity Registrant Name

SEACOAST BANKING CORPORATION OF FLORIDA

Entity Incorporation, State or Country Code

FL

Entity File Number

000-13660

Entity Tax Identification Number

59-2260678

Entity Address, Address Line One

815 COLORADO AVENUE,

Entity Address, City or Town

STUART

Entity Address, State or Province

FL

Entity Address, Postal Zip Code

34994

City Area Code

772

Local Phone Number

287-4000

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Title of 12(b) Security

Common Stock, $0.10 par value

Trading Symbol

SBCF

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

Entity Central Index Key

0000730708

Amendment Flag

false

X

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

na

Period Type:

duration

X

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

na

Period Type:

duration

X

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

na

Period Type:

duration

X

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration