TellerScore

Seacoast National Bank (FDIC certificate #131) is based in Stuart, Florida. Its Q2 2026 call report shows $21.3B in total assets and $16.8B in deposits and 118 offices across 2 states.

Seacoast National Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 39% of its 132 banks with $10 billion – $100 billion. Among 82 banks headquartered in Florida, it ranks 62nd. Problem-loan coverage contributes the most (94/100, 2.8%); capital cushion contributes the least (48/100, 9.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.84%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.66%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 77.3% · 36.3% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.80%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (65 → 63), mostly because the capital cushion component weakened by 6 points.

TellerScore
616365Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202463
Q4 202462
Q1 202564
Q2 202565
Q3 202565
Q4 202564
Q1 202661
Q2 202663
Tier 1 leverage ratio
5.00%7.83%10.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.54%
Q3 202410.61%
Q4 202410.66%
Q1 202510.51%
Q2 202510.36%
Q3 202510.42%
Q4 20259.69%
Q1 20269.87%
Q2 20269.84%
Noncurrent loans
0.56%0.74%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.63%
Q3 20240.84%
Q4 20240.92%
Q1 20250.68%
Q2 20250.61%
Q3 20250.56%
Q4 20250.57%
Q1 20260.75%
Q2 20260.66%
Return on assets
0.62%0.79%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.78%
Q3 20240.80%
Q4 20240.83%
Q1 20250.83%
Q2 20250.97%
Q3 20250.95%
Q4 20250.91%
Q1 20260.62%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$21.3B9.84%0.66%0.88%77.3%
Q1 202661$21.1B9.87%0.75%0.62%75.0%
Q4 202564$20.8B9.69%0.57%0.91%76.6%
Q3 202565$16.7B10.42%0.56%0.95%82.7%
Q2 202565$15.9B10.36%0.61%0.97%83.8%
Q1 202564$15.7B10.51%0.68%0.83%82.0%
Q4 202462$15.2B10.66%0.92%0.83%83.1%
Q3 202463$15.2B10.61%0.84%0.80%82.3%
Q2 202465$14.9B10.54%0.63%0.78%81.7%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.84%
40th
Total risk-based capital14.80%
62nd
Problem loans0.66%
50th
Net charge-offs0.10%
55th
Return on assets0.88%
19th
Net interest margin3.83%
66th
Efficiency ratio54.2%
51st
Loans to deposits77.3%
73rd
Uninsured deposits36.3%
58th
Loan-loss reserves1.38%
81st
Texas ratio2.8%
70th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
City National Bank of FloridaBank Miami, FL64 out of 100, Moderate$29.1B11.4%0.81%vs
Amerant Bank, National AssociationBank Coral Gables, FL43 out of 100, Below average$10.3B9.9%2.49%vs
BankUnited, National AssociationBank Miami Lakes, FL47 out of 100, Below average$34.9B9.4%1.69%vs
Raymond James BankBank Saint Petersburg, FL69 out of 100, Moderate$45.6B8.0%0.28%vs
EverBank, National AssociationBank Jacksonville, FL54 out of 100, Below average$46.7B9.0%1.42%vs
SouthState Bank, National AssociationBank Winter Haven, FL68 out of 100, Moderate$68.8B10.3%0.54%vs

Deposit insurance

Is my money safe at Seacoast National Bank?

Yes. Seacoast National Bank is an FDIC-insured institution (FDIC certificate #131). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.3% of deposits ($6.1B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.80% (benchmark: 10%).

Check how much of your own balance is covered

118 locations

Branches

Seacoast National Bank lists 104 offices in 72 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Seacoast National Bank reported 2,629 home-loan applications under HMDA (LEI 5493006MCOP60BBI4G97): 1,453 originated ($510,955,000 total), 825 denied, and 294 withdrawn or closed by the applicant. Its denial rate on decided applications was 35.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Seacoast National Bank
Former names
First National Bank and Trust Company of the Treasure Coast; Citizens Bank of Stuart; First National Bank of Stuart; First National Bank and Trust Company of Stuart
Type
National bank
FDIC certificate #
131
RSSD ID
34537
Primary regulator
OCC
Holding company
Seacoast Banking Corp of Fl
Established
January 1, 1933
Headquarters
815 S Colorado Ave, Stuart, FL 34994
Employees
1,935

Quick answers

Seacoast National Bank: common questions

Is Seacoast National Bank FDIC insured?

Yes. Seacoast National Bank is an FDIC-insured institution (FDIC certificate #131). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Seacoast National Bank's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Seacoast National Bank ever failed?

There is no failure record for FDIC certificate #131 in the FDIC failed bank list.

How many branches does Seacoast National Bank have?

118 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Stuart

InstitutionScoreAssetsCapitalProblem loansCompare
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Connect Credit UnionCredit union Fort lauderdale, FL74 out of 100, Strong$103.2M13.0%0.71%vs
Velocity Community Credit UnionCredit union Palm Beach Gard, FL74 out of 100, Strong$491.7M12.6%0.55%vs
Midflorida Credit UnionCredit union Lakeland, FL72 out of 100, Strong$9.8B10.7%0.46%vs
SouthState Bank, National AssociationBank Winter Haven, FL68 out of 100, Moderate$68.8B10.3%0.54%vs