Form 8-K

8-K — SEACOAST BANKING CORP OF FLORIDA

Accession: 0001628280-26-050147

Filed: 2026-07-28

Period: 2026-07-28

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-20260728.htm (Primary)

EX-99.1 (sbcf2q2026earningsrelease.htm)

EX-99.2 (sbcf2q2026earningspresen.htm)

GRAPHIC (sbcf2q2026earningspresen001.jpg)

GRAPHIC (sbcf2q2026earningspresen002.jpg)

GRAPHIC (sbcf2q2026earningspresen003.jpg)

GRAPHIC (sbcf2q2026earningspresen004.jpg)

GRAPHIC (sbcf2q2026earningspresen005.jpg)

GRAPHIC (sbcf2q2026earningspresen006.jpg)

GRAPHIC (sbcf2q2026earningspresen007.jpg)

GRAPHIC (sbcf2q2026earningspresen008.jpg)

GRAPHIC (sbcf2q2026earningspresen009.jpg)

GRAPHIC (sbcf2q2026earningspresen010.jpg)

GRAPHIC (sbcf2q2026earningspresen011.jpg)

GRAPHIC (sbcf2q2026earningspresen012.jpg)

GRAPHIC (sbcf2q2026earningspresen013.jpg)

GRAPHIC (sbcf2q2026earningspresen014.jpg)

GRAPHIC (sbcf2q2026earningspresen015.jpg)

GRAPHIC (sbcf2q2026earningspresen016.jpg)

GRAPHIC (sbcf2q2026earningspresen017.jpg)

GRAPHIC (sbcf2q2026earningspresen018.jpg)

GRAPHIC (sbcf2q2026earningspresen019.jpg)

GRAPHIC (sbcf2q2026earningspresen020.jpg)

GRAPHIC (sbcf2q2026earningspresen021.jpg)

GRAPHIC (sbcf2q2026earningspresen022.jpg)

GRAPHIC (sbcf2q2026earningspresen023.jpg)

GRAPHIC (sbcf2q2026earningspresen024.jpg)

GRAPHIC (sbcf2q2026earningspresen025.jpg)

GRAPHIC (sbcf2q2026earningspresen026.jpg)

GRAPHIC (sbcflogoa.gif)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: sbcf-20260728.htm · Sequence: 1

sbcf-20260728

0000730708false00007307082026-07-282026-07-28

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): July 28, 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 July 28, 2026, Seacoast Banking Corporation of Florida ("Seacoast or the "Company") announced its financial results for the three- and six-month periods ended June 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 July 29, 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 June 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 July 28, 2026, with respect to Seacoast's financial results for the quarter ended June 30, 2026

99.2

Data on website containing information used in the conference call to be held on July 29, 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: July 28, 2026 /s/ Tracey L. Dexter

Tracey L. Dexter

Chief Financial Officer

EX-99.1

EX-99.1

Filename: sbcf2q2026earningsrelease.htm · Sequence: 2

SBCF 2Q 2026 Earnings Release

SEACOAST REPORTS SECOND QUARTER 2026 RESULTS

Strong Organic Loan Growth with Expanding Pipeline

Well-Positioned Balance Sheet with Robust Capital and Liquidity

STUART, Fla., July 28, 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 second quarter of 2026.

Second Quarter 2026 Highlights

•Net income of $59.5 million, or $0.55 per share, increased 87% from the prior quarter and 39% from the prior year quarter. Adjusted net income1 was $65.8 million, or $0.61 per share.

•Adjusted pre-tax pre-provision earnings1 increased 4% from the prior quarter and 52% from the prior year quarter.

•16% annualized organic loan growth.

•Total deposits increased 4% on an annualized basis, including a 4% annualized increase in noninterest-bearing deposits.

•Cost of deposits declined to 1.53%.

•Net interest income grew 2% from the prior quarter and 42% from the prior year quarter.

•Net interest margin was stable at 3.83% and, excluding accretion on acquired loans, expanded eight basis points from the prior quarter to 3.65%.

•Revenue growth continued to outpace expense, resulting in improved operating leverage and an improved efficiency ratio.

•Repurchased 751,680 shares of common stock during the quarter, and 1,072,443 shares of common stock year to date.

Charles M. Shaffer, Seacoast's Chairman and CEO, said, "Seacoast delivered another quarter of strong financial performance, reflecting the strength of our franchise, the resilience of our markets, and the disciplined execution of our associates across the organization. In early July, we successfully completed the conversion of customers from Citizens First Bank to Seacoast's platforms, marking the culmination of one of the most significant and complex integrations in our company's history. I could not be more proud of our team for delivering an exceptionally smooth client experience while executing a highly complex technical conversion. Their preparation, commitment, and relentless focus on excellence ensured a seamless transition for customers and demonstrated the extraordinary talent and capabilities that exist throughout Seacoast.

Shaffer continued, “The Villages® remains one of the most attractive growth markets in Florida, supported by exceptional demographics, continued economic expansion, and significant opportunities to deepen customer relationships. This acquisition has strengthened our position in this premier market, expanded our franchise, enhanced our earnings profile, and improved our ability to generate sustainable long-term growth. Just as importantly, we have welcomed team members and customers that share our commitment to community banking, exceptional service, and local decision-making.

“Beyond the successful completion of the conversion, we delivered another strong quarter, supported by healthy loan and demand deposit growth, diversified revenue streams, and disciplined execution across the organization. Our balance sheet remains exceptionally strong, underpinned by industry-leading capital levels, substantial liquidity, and excellent asset quality. These strengths provide the flexibility to continue to invest in our franchise, support our clients, and capitalize on opportunities across our footprint while maintaining a prudent risk posture.

Shaffer concluded, “As Seacoast celebrates its 100th year, we remain optimistic about the future. The markets we serve continue to benefit from favorable population growth, strong economic fundamentals, and attractive long-term growth trends. With the successful integration of our recent acquisitions now complete, an outstanding team in place, and a strong balance sheet supporting future growth, we enter the second half of 2026 with considerable momentum and confidence in our ability to create sustained value for our shareholders, customers, associates, and communities.”

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 second quarter of 2026 was $59.5 million, or $0.55 per diluted share, compared to $31.9 million, or $0.29 per diluted share, in the prior quarter and $42.7 million, or $0.50 per diluted share, in the prior year quarter. Adjusted net income1 for the second quarter of 2026 was $65.8 million, or $0.61 per diluted share, compared to $67.8 million, or $0.62 per diluted share, for the prior quarter, and $44.5 million, or $0.52 per diluted share, for the prior year quarter. For the six months ended June 30, 2026, net income was $91.4 million and adjusted net income1 was $133.6 million, compared to $74.2 million and $76.6 million, respectively, in the prior year period.

•Net revenues were $208.2 million in the second quarter of 2026, an increase of $44.3 million, or 27%, compared to the prior quarter, and an increase of $56.8 million, or 38%, compared to the prior year quarter. The first quarter of 2026 included a $39.5 million loss from a strategic repositioning of the securities portfolio. Growth compared to the prior year quarter reflects the expansion of the franchise, including from bank acquisitions in 2025. Adjusted net revenues1 were $210.0 million in the second quarter of 2026, an increase of $4.9 million, or 2%, compared to the prior quarter, and an increase of $58.2 million, or 38%, compared to the prior year quarter. For the six months ended June 30, 2026 and 2025, net revenues were $372.0 million and $292.1 million, respectively.

•Pre-tax pre-provision earnings1 were $87.0 million in the second quarter of 2026, an increase of $43.4 million, or 100%, compared to the prior quarter, and an increase of $26.7 million, or 44%, compared to the second quarter of 2025. Adjusted pre-tax pre-provision earnings1 were $95.5 million in the second quarter of 2026, an increase of $3.8 million, or 4%, compared to the prior quarter, and an increase of $32.8 million, or 52%, compared to the second quarter of 2025. For the six months ended June 30, 2026, pre-tax pre-provision earnings1 was $130.5 million and adjusted pre-tax pre-provision earnings1 was $187.1 million, compared to $110.8 million and $114.3 million, respectively, in the prior year period.

•Net interest income totaled $180.4 million in the second quarter of 2026, an increase of $3.9 million, or 2%, compared to the prior quarter, and an increase of $53.5 million, or 42%, compared to the second quarter of 2025. The increase compared to the prior quarter represents higher yields on the securities portfolio and loan growth. Securities income increased $2.5 million, or 4%, from the prior quarter, benefiting from higher balances and the full quarter impact of the securities repositioning executed in the first quarter of 2026. Interest income on loans increased compared to the prior quarter by $2.4 million, or 1%, despite lower purchase accounting accretion, due to higher average loan balances and higher core loan yields. Accretion on acquired loans was $8.9 million in the second quarter of 2026 compared to $12.1 million in the first quarter of 2026. Interest expense on deposits increased $0.7 million, or 1%, compared to the prior quarter.

•Net interest margin was stable at 3.83% in the second quarter of 2026 compared to the first quarter of 2026, and increased 25 basis points compared to 3.58% in the second quarter of 2025. Excluding the effects of accretion on acquired loans, net interest margin expanded eight basis points to 3.65% in the second quarter of 2026 compared to 3.57% in the first quarter of 2026, and increased 36 basis points compared to 3.29% in the second quarter of 2025. The expansion in core net interest margin was driven by higher securities and loan yields and lower funding costs. Loan yields were 5.88%, a decline of eight basis points from the prior quarter, and a decline of 10 basis points from the prior year quarter. Yield on loans excluding accretion on acquired loans was 5.61%, an increase of four basis points from the prior quarter, and an increase of three basis points from the prior year quarter. Securities yields increased to 4.47%, up 10 basis points from the prior quarter and up 60 basis points from the prior year quarter. The cost of deposits declined one basis point to 1.53% in the second quarter of 2026 compared to 1.54% in the prior quarter, and declined 27 basis points compared to 1.80% in the second quarter of 2025. The cost of funds declined two basis points to 1.69% compared to the prior quarter, and declined 30 basis points compared to the prior year quarter.

•The Company recorded a provision for credit losses of $9.0 million in the second quarter of 2026, reflecting record loan growth and low, stable charge-offs of $3.2 million. Allowance coverage of 1.38% at June 30, 2026 was lower by one basis point compared to March 31, 2026.

•Noninterest income totaled $27.8 million in the second quarter of 2026, an increase of $40.4 million compared to the prior quarter. A strategic repositioning of the securities portfolio resulted in a $39.5 million loss in the first quarter of 2026. Excluding securities activity, adjusted noninterest income1 of $27.8 million increased $0.9 million, or 3%, compared to the prior quarter, and increased $3.4 million, or 14%, from the prior year quarter. For the six months ended June 30, 2026, adjusted noninterest income1 increased $8.3 million, or 18%, from the prior year period to $54.8 million. Results in the second quarter of 2026 included:

•Service charges on deposits totaled $7.0 million, an increase of $0.1 million, or 2%, from the prior quarter and an increase of $1.5 million, or 27%, from the prior year quarter.

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

•Wealth management income totaled $6.0 million, an increase of $0.2 million, or 3%, from the prior quarter and an increase of $1.8 million, or 42%, from the prior year quarter. The wealth management division has continued to deliver significant growth, driven by robust organic business development, strong client retention, and continued asset inflows from existing relationships, and has added $388 million in new organic assets under management in the first half of 2026. Assets under management have grown 45% year-over-year to $3.2 billion.

•Mortgage banking income totaled $2.7 million, an increase of $0.6 million, or 27%, from the prior quarter and an increase of $2.1 million, or 301%, from the prior year quarter, with higher saleable production including the addition of mortgage originations in The Villages communities.

•Insurance agency income totaled $1.3 million, a decrease of $0.5 million, or 25%, from the prior quarter and an increase of $47 thousand, or 4%, from the prior year quarter. The first quarter of 2026 included typical seasonal contingency payments, which are collected annually.

•Other income totaled $6.0 million, an increase of $0.5 million, or 8%, compared to the prior quarter and a decrease of $1.5 million, or 19%, from the prior year quarter. Compared to the prior quarter, the second quarter of 2026 included higher fees on customer swap activity, partially offset by lower SBIC income. In the prior year quarter, the Company recognized $3.0 million in tax refunds related to a prior bank acquisition.

•Noninterest expense was $123.1 million in the second quarter of 2026, an increase of $0.9 million, or 1%, compared to the prior quarter, and an increase of $31.4 million, or 34%, compared to the prior year quarter. In the second quarter of 2026, merger and integration costs totaled $8.4 million, compared to $8.5 million in the prior quarter and $2.4 million in the prior year quarter. Results in the second quarter of 2026 are discussed below. Year-over-year increases reflect continued expansion of the footprint and growth in customers, including through bank acquisitions.

•Salaries and employee benefits totaled $63.1 million, an increase of $0.5 million, or 1%, from the prior quarter and an increase of $10.6 million, or 20%, from the prior year quarter.

•Outsourced data processing costs totaled $12.2 million, an increase of $0.2 million, or 2%, from the prior quarter and an increase of $3.7 million, or 44%, from the prior year quarter.

•Occupancy costs totaled $9.6 million, an increase of $0.4 million, or 4%, compared to the prior quarter and an increase of $2.1 million, or 28%, from the prior year quarter.

•Legal and professional fees totaled $2.5 million, a decrease of $0.7 million, or 22%, compared to the prior quarter and an increase of $0.4 million, or 20%, from the prior year quarter. The changes are largely associated with the timing of various projects.

•Amortization of intangibles totaled $10.0 million, a decrease of $0.1 million, or 1%, from the prior quarter and an increase of $4.8 million, or 94%, from the prior year quarter.

•Other expense totaled $8.0 million, an increase of $1.2 million, or 18%, compared to the prior quarter and an increase of $1.8 million, or 30%, from the prior year quarter.

•The efficiency ratio improved to 58.52% in the second quarter of 2026, compared to 59.47% in the first quarter of 2026 and 60.33% in the second quarter of 2025. The adjusted efficiency ratio1 improved to 54.54% in the second quarter of 2026, compared to 55.31% in the first quarter of 2026 and 58.74% in the prior year quarter. The Company remains keenly focused on disciplined expense control, while making investments for growth.

Balance Sheet

•At June 30, 2026, the Company had total assets of $21.4 billion and total shareholders’ equity of $2.7 billion. Book value per common share was $28.20 as of June 30, 2026, compared to $27.83 as of March 31, 2026, and $26.43 as of June 30, 2025. Tangible book value per share, treating all convertible preferred shares as common was $17.25 as of June 30, 2026, compared to $16.90 as of March 31, 2026, and $17.19 as of June 30, 2025.

•Debt securities totaled $5.7 billion as of June 30, 2026, an increase of $93.3 million compared to March 31, 2026. Debt securities as of June 30, 2026 included approximately $5.2 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 $564.1 million in securities classified as held-to-maturity with a fair value of $465.7 million.

•Continued strong loan origination volume and lower payoffs than the first quarter resulted in an overall increase in loan balances of $504.0 million, or 16% annualized, during the second quarter of 2026. Seacoast continues to benefit from the investments made in recent years to attract talent from large regional and national banks across its markets.

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

•The outlook for continued consistent growth is strong, with loan pipelines totaling $1.5 billion as of June 30, 2026, compared to $1.2 billion at March 31, 2026 and $920.9 million at June 30, 2025.

•Commercial pipelines totaled $1.3 billion as of June 30, 2026, representing an increase of $246.2 million, or 24%, from the prior quarter and an increase of $430.0 million, or 50%, from the prior year quarter.

•Residential pipelines were $168.5 million as of June 30, 2026, compared to $169.2 million as of March 31, 2026 and $43.5 million as of June 30, 2025.

•Total deposits were $16.8 billion as of June 30, 2026, an increase of $154.3 million or 3.7% annualized, when compared to March 31, 2026.

•Noninterest-bearing demand deposits increased 4% on an annualized basis during the second quarter of 2026 to $4.2 billion at June 30, 2026.

•The cost of deposits declined one basis point to 1.53% from 1.54% in the prior quarter.

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

•Consumer deposits represent 48% of overall customer deposit funding with an average consumer customer balance of $24 thousand. Commercial deposits represent 52% of overall customer deposit funding with an average business customer balance of $121 thousand.

•Brokered deposits were utilized as a temporary funding source to offset typical seasonal lows in core deposit balances. Brokered deposits totaled $611.6 million as of June 30, 2026, compared to $209.3 million as of March 31, 2026 and $515.3 million as of June 30, 2025.

•Uninsured deposits represented only 36% of overall deposit balances as of June 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 that represent 158% of uninsured deposits, and 181% of uninsured and uncollateralized deposits.

•Federal Home Loan Bank borrowings averaged $915.0 million at 3.77% for the second quarter of 2026, compared to average borrowings of $847.2 million at 4.03% in the first quarter of 2026 and $724.2 million at 4.32% in the second quarter of 2025.

Asset Quality

•The ratio of criticized and classified loans to total loans was 2.88% at June 30, 2026, 2.82% at March 31, 2026, and 2.39% at June 30, 2025.

•Nonperforming loans were $86.5 million, or 0.66% of total loans, at June 30, 2026, a decrease of $8.5 million, or 9%, from $95.0 million, or 0.75% of total loans, as of March 31, 2026.

•Accruing past due loans were $20.1 million, or 0.15% of total loans, at June 30, 2026, compared to $28.2 million, or 0.22% of total loans, at March 31, 2026, and $14.2 million, or 0.13% of total loans, at June 30, 2025.

•Net charge-offs were $3.2 million in the second quarter of 2026, compared to $3.3 million in the first quarter of 2026 and $2.5 million in the second quarter of 2025. Net charge-offs for the four most recent quarters averaged 0.09% of total loans.

•The ratio of ACL to total loans was 1.38% at June 30, 2026, a decline of one basis point, compared to 1.39% at March 31, 2026, and 1.34% at June 30, 2025.

•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 June 30, 2026 at 40% and 230% of total bank-level risk-based capital2, respectively, compared to 35% and 224%, respectively, at March 31, 2026. On a consolidated basis and as of June 30, 2026, construction and land development and commercial real estate loans represent 37% and 216%, respectively, of total consolidated risk-based capital2.

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

2Estimated

Capital and Liquidity

•The Company continues to operate with a fortress balance sheet, with a Tier 1 capital ratio at June 30, 2026 of 14.3%2 compared to 14.6% at both March 31, 2026 and June 30, 2025. The Total capital ratio was 15.7%2, the Common Equity Tier 1 capital ratio was 11.5%2, and the Tier 1 leverage ratio was 10.4%2 at June 30, 2026. The Company is considered “well capitalized” based on applicable U.S. regulatory capital ratio requirements.

•Tangible equity to tangible assets3 was 9.25% at June 30, 2026, compared to 9.24% at March 31, 2026, and 9.75% at June 30, 2025. If all held-to-maturity securities were adjusted to fair value, the tangible equity ratio would have been 8.92% at June 30, 2026.

•During the second quarter of 2026, the Company repurchased over 750,000 shares of its common stock under its share repurchase program. Year to date under the program, the Company has taken opportunities to leverage its strong capital position by repurchasing over 1 million shares of its common stock.

•At June 30, 2026, in addition to $429.9 million in cash, the Company had $9.2 billion in available borrowing capacity, including $5.0 billion in available collateralized lines of credit, $3.8 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 June 30, 2026, represented 181% 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 July 29, 2026, at 10:00 a.m. (Eastern Time) to discuss the second quarter of 2026 earnings results and business trends. Investors may call in (toll-free) by dialing (800) 715-9871 (Conference ID: 3366993). 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 $21.4 billion in assets and $16.8 billion in deposits as of June 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 (including Villages Bancorporation, Inc.) 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 Six months ended

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

Summary of Earnings

Net income $ 59,535  $ 31,895  $ 34,260  $ 36,467  $ 42,687  $ 91,430  $ 74,151

Adjusted net income1

65,819  67,777  47,741  45,164  44,466  133,596  76,568

Net interest income2

182,150  178,154  176,244  133,906  127,295  360,304  246,153

Net interest margin2,3

3.83  % 3.83  % 3.66  % 3.57  % 3.58  % 3.83  % 3.53  %

Pre-tax pre-provision earnings1

$ 86,968  $ 43,519  $ 75,141  $ 55,887  $ 60,236  $ 130,487  $ 110,827

Adjusted pre-tax pre-provision earnings1

95,470  91,646  93,170  67,190  62,627  187,116  114,314

Performance Ratios

Return on average assets-GAAP basis3

1.13  % 0.62  % 0.64  % 0.88  % 1.08  % 0.88  % 0.96  %

Adjusted return on average assets1,3

1.25  1.31  0.89  1.09  1.13  1.28  0.99

Return on average tangible assets-GAAP basis3,4

1.35  0.81  0.83  1.04  1.24  1.08  1.12

Adjusted return on average tangible assets1,3,4

1.48  1.55  1.10  1.26  1.29  1.51  1.15

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

2.11  2.13  2.01  2.16  2.25  2.12  2.29

Return on average equity-GAAP basis3

8.74  4.69  4.99  6.17  7.60  6.71  6.69

Adjusted return on average equity1,3

9.66  9.96  6.95  7.64  7.92  9.81  6.91

Return on average tangible equity-GAAP basis3,4

14.44  8.51  9.05  10.70  12.82  11.48  11.52

Adjusted return on average tangible equity1,3,4

15.79  16.26  11.96  12.98  13.31  16.03  11.86

Efficiency ratio5

58.52  59.47  63.36  64.44  60.33  58.99  62.12

Adjusted efficiency ratio1

54.54  55.31  54.50  57.63  58.74  54.92  60.93

Noninterest income to total revenue (excluding securities gains/losses) 13.37  13.23  14.05  15.59  16.18  13.30  15.92

Tangible equity to tangible assets4

9.25  9.24  9.31  9.76  9.75  9.25  9.75

Tangible common equity to tangible assets4

7.55  7.52  7.56  9.76  9.75  7.55  7.52

Average loan-to-deposit ratio 77.89  77.58  73.60  82.99  85.21  77.74  84.72

End of period loan-to-deposit ratio 78.39  76.09  77.78  83.84  84.96  78.39  84.96

Per Share Data

Earnings per common share-diluted-GAAP basis $ 0.55  $ 0.29  $ 0.31  $ 0.42  $ 0.50  $ 0.84  $ 0.87

Earnings per common share-basic-GAAP basis 0.55  0.30  0.32  0.42  0.50  0.85  0.87

Adjusted earnings per common share-diluted1

0.61  0.62  0.44  0.52  0.52  1.23  0.90

Book value per common share 28.20  27.83  27.70  27.07  26.43  28.20  26.43

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

28.44  28.10  27.99  27.07  26.43  28.44  26.43

Tangible book value per common share 15.71  15.33  15.14  17.61  17.19  15.71  17.19

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

17.25  16.90  16.72  17.61  17.19  17.25  17.19

Cash dividends declared on common and preferred stock7

0.19  0.19  0.19  0.18  0.18  0.38  0.36

Other Data

Full-time equivalent employees 1,964  1,949  1,962  1,601  1,522  1,964  1,522

Number of ATMs 192  192  191  103  98  192  98

Full-service banking offices 105  104  104  84  79  105  79

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 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, or $0.19 per 1/1000th preferred share.

CONSOLIDATED STATEMENTS OF INCOME (Unaudited)

SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES

Quarterly Trends Six months ended

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

Interest and fees on loans $ 188,161  $ 185,731  $ 187,408  $ 161,913  $ 157,075  $ 373,892  $ 307,715

Interest and dividends on securities:

Taxable 59,051  56,579  53,445  35,975  32,479  115,630  61,860

Nontaxable 3,523  3,512  3,293  44  33  7,035  67

Interest on interest-bearing deposits and other investments 4,816  4,884  11,914  4,780  3,760  9,700  7,960

Total Interest Income 255,551  250,706  256,060  202,712  193,347  506,257  377,602

Interest on deposits 44,201  44,586  49,988  43,133  40,633  88,787  84,259

Interest on time certificates 18,663  17,583  20,914  16,341  15,120  36,246  30,093

Interest on borrowed money 12,292  12,067  10,531  9,770  10,730  24,359  17,869

Total Interest Expense 75,156  74,236  81,433  69,244  66,483  149,392  132,221

Net Interest Income 180,395  176,470  174,627  133,468  126,864  356,865  245,381

Provision for credit losses 8,997  761  29,260  8,371  4,379  9,758  13,629

Net Interest Income After Provision for Credit Losses 171,398  175,709  145,367  125,097  122,485  347,107  231,752

Noninterest income (loss):

Service charges on deposit accounts 7,045  6,912  6,472  6,194  5,540  13,957  10,720

Wealth management income 5,968  5,777  5,540  4,578  4,196  11,745  8,444

Mortgage banking income 2,744  2,166  3,108  517  685  4,910  1,089

Interchange income 2,093  2,067  2,483  2,008  1,895  4,160  3,702

Insurance agency income 1,336  1,790  1,191  1,481  1,289  3,126  2,909

BOLI income 2,609  2,617  2,687  3,875  3,380  5,226  5,848

Other 6,042  5,585  7,066  6,006  7,497  11,627  13,754

Total Noninterest Income Before Securities (Losses) Gains, Net 27,837  26,914  28,547  24,659  24,482  54,751  46,466

Securities (losses) gains, net (59) (39,528) 84  (841) 39  (39,587) 235

Total Noninterest Income (Loss) 27,778  (12,614) 28,631  23,818  24,521  15,164  46,701

Noninterest expense:

Salaries and employee benefits 63,115  62,645  62,432  53,697  52,544  125,760  103,653

Outsourced data processing costs 12,242  11,995  11,257  9,337  8,525  24,237  17,029

Occupancy 9,591  9,235  9,330  7,627  7,483  18,826  14,833

Furniture and equipment 2,803  2,821  2,935  2,233  2,125  5,624  4,253

Marketing 3,525  3,467  3,149  2,509  2,958  6,992  5,706

Legal and professional fees 2,480  3,170  2,106  1,674  2,071  5,650  4,811

FDIC assessments 2,759  3,195  2,876  2,414  2,108  5,954  4,302

Amortization of intangibles 9,960  10,098  10,374  6,005  5,131  20,058  10,440

Other real estate owned expense and net loss (gain) on sale 85  63  (29) (346) 8  148  249

Provision for credit losses on unfunded commitments 150  150  812  150  150  300  300

Merger and integration costs 8,358  8,536  18,142  10,808  2,422  16,894  3,473

Other 8,042  6,796  7,162  5,879  6,205  14,838  13,278

Total Noninterest Expense 123,110  122,171  130,546  101,987  91,730  245,281  182,327

Income Before Income Taxes 76,066  40,924  43,452  46,928  55,276  116,990  96,126

Provision for income tax expense 16,531  9,029  9,192  10,461  12,589  25,560  21,975

Net Income 59,535  31,895  34,260  36,467  42,687  91,430  74,151

Preferred dividends 2,138  2,138  2,138  —  —  4,275  —

Net Income Available to Common Shareholders $ 57,397  $ 29,757  $ 32,122  $ 36,467  $ 42,687  $ 87,155  $ 74,151

Share Data

Net income per share of common stock

Diluted $ 0.55  $ 0.29  $ 0.31  $ 0.42  $ 0.50  $ 0.84  $ 0.87

Diluted, treating all convertible preferred shares as common1

0.55  0.29  0.31  0.42  0.50  0.84  0.87

Basic $ 0.55  $ 0.30  $ 0.32  $ 0.42  $ 0.50  $ 0.85  $ 0.87

Average common shares outstanding

Diluted 97,250  97,838  97,761  87,425  85,479  97,549  85,454

Additional common shares treating all convertible preferred shares as common1

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

Diluted, treating all convertible preferred shares as common1

108,500  109,088  109,011  87,425  85,479  108,799  85,454

Basic 96,438  96,840  96,816  86,619  84,903  96,638  84,776

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

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

(Amounts in thousands) 2026 2026 2025 2025 2025

Assets

Cash and due from banks $ 191,965  $ 201,308  $ 181,429  $ 173,954  $ 181,565

Interest-bearing deposits with other banks 237,979  607,071  207,116  132,040  150,863

Total cash and cash equivalents 429,944  808,379  388,545  305,994  332,428

Time deposits with other banks 747  2,490  14,424  30,852  1,494

Debt Securities:

Securities available-for-sale (at fair value) 5,174,602  5,069,260  5,164,567  3,212,080  2,866,185

Securities held-to-maturity (at amortized cost) 564,067  576,155  586,178  598,604  613,312

Total debt securities 5,738,669  5,645,415  5,750,745  3,810,684  3,479,497

Loans held for sale 18,565  18,188  16,297  10,841  8,610

Loans 13,145,439  12,641,432  12,627,984  10,964,173  10,608,824

Less: Allowance for credit losses (182,050) (176,252) (178,803) (147,453) (142,184)

Loans, net of allowance for credit losses 12,963,389  12,465,180  12,449,181  10,816,720  10,466,640

Bank premises and equipment, net 161,008  159,368  160,139  115,392  107,256

Goodwill 1,034,997  1,034,997  1,034,735  754,645  732,417

Other intangible assets, net 174,486  184,980  195,704  76,291  61,328

Bank owned life insurance 335,783  333,174  330,563  323,214  312,860

Net deferred tax assets 64,502  62,300  66,579  74,683  87,328

Other assets 437,982  430,676  435,419  357,588  355,097

Total Assets $ 21,360,072  $ 21,145,147  $ 20,842,331  $ 16,676,904  $ 15,944,955

Liabilities

Deposits

Noninterest demand $ 4,216,499  $ 4,176,854  $ 3,897,985  $ 3,611,920  $ 3,376,941

Interest-bearing demand 3,870,570  4,057,493  3,993,225  2,753,463  2,518,857

Savings 972,730  979,633  974,694  615,566  557,472

Money market 5,127,372  5,205,762  5,141,519  4,396,458  4,111,789

Time deposits 2,605,124  2,218,207  2,248,920  1,712,912  1,932,539

Total Deposits 16,792,295  16,637,949  16,256,343  13,090,319  12,497,598

Securities sold under agreements to repurchase 373,095  377,460  389,003  236,247  186,090

Federal Home Loan Bank borrowings 835,000  775,000  835,000  690,000  715,000

Long-term debt, net 112,910  112,836  112,761  107,464  107,298

Other liabilities 172,842  181,127  193,437  174,742  167,404

Total Liabilities 18,286,142  18,084,372  17,786,544  14,298,772  13,673,390

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

Shareholders' Equity

Common stock 9,878  9,878  9,873  8,864  8,673

Additional paid in capital 2,208,511  2,202,879  2,197,549  1,891,111  1,832,158

Retained earnings 653,623  614,853  603,793  590,384  569,833

Less: Treasury stock (57,137) (31,373) (21,358) (20,804) (20,792)

Total Shareholders' Equity Before Accumulated Other Comprehensive Loss 2,814,875  2,796,237  2,789,857  2,469,555  2,389,872

Accumulated other comprehensive loss, net (84,070) (78,587) (77,195) (91,423) (118,307)

Total Shareholders' Equity 2,730,805  2,717,650  2,712,662  2,378,132  2,271,565

Total Liabilities, Convertible Preferred Stock and Shareholders' Equity $ 21,360,072  $ 21,145,147  $ 20,842,331  $ 16,676,904  $ 15,944,955

Common shares outstanding 96,823  97,665  97,928  87,856  85,948

Additional common shares treating all convertible preferred shares as common1

11,250  11,250  11,250  —  —

Total common shares outstanding, treating all convertible preferred shares as common 108,073  108,915  109,178  87,856  85,948

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) 2Q'26 1Q'26 4Q'25 3Q'25 2Q'25

Credit Analysis

Net charge-offs $ 3,199  $ 3,312  $ 936  $ 3,208  $ 2,462

Net charge-offs to average loans 0.10  % 0.11  % 0.03  % 0.12  % 0.09  %

Allowance for credit losses $ 182,050  $ 176,252  $ 178,803  $ 147,453  $ 142,184

Non-acquired loans at end of period 10,029,038  9,315,395  9,067,802  8,415,612  8,071,619

Acquired loans at end of period 3,116,401  3,326,037  3,560,182  2,548,561  2,537,205

Total Loans $ 13,145,439  $ 12,641,432  $ 12,627,984  $ 10,964,173  $ 10,608,824

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

Purchase discount on acquired loans at end of period 3.98  3.99  4.04  3.86  4.10

End of Period

Nonperforming loans $ 86,540  $ 95,032  $ 72,001  $ 60,562  $ 64,198

Other real estate owned 3,473  4,250  4,250  5,085  5,335

Total Nonperforming Assets $ 90,013  $ 99,282  $ 76,251  $ 65,647  $ 69,533

Nonperforming Loans to Loans at End of Period 0.66  % 0.75  % 0.57  % 0.55  % 0.61  %

Nonperforming Assets to Total Assets at End of Period 0.42  0.47  0.37  0.39  0.44

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

Construction and land development $ 856,716  $ 745,362  $ 723,930  $ 616,475  $ 603,079

Commercial real estate - owner occupied 2,121,853  2,021,885  2,043,625  1,898,704  1,778,930

Commercial real estate - non-owner occupied 4,237,563  4,178,003  4,254,992  3,766,541  3,624,528

Residential real estate 3,258,274  3,162,509  3,098,859  2,694,794  2,678,042

Commercial and financial 2,477,326  2,353,118  2,320,989  1,807,932  1,741,158

Consumer 193,707  180,555  185,589  179,727  183,087

Total Loans $ 13,145,439  $ 12,641,432  $ 12,627,984  $ 10,964,173  $ 10,608,824

AVERAGE BALANCES, INTEREST INCOME AND EXPENSES, YIELDS AND RATES1

(Unaudited)

SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES

2Q'26 1Q'26 2Q'25

Average Yield/ Average Yield/ Average Yield/

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

Assets

Earning assets:

Securities:

Taxable $ 5,392,894  $ 59,051  4.39  % $ 5,358,307  $ 56,579  4.28  % $ 3,364,825  $ 32,479  3.87  %

Nontaxable 330,322  4,727  5.74  333,382  4,700  5.72  5,321  40  3.02

Total Securities 5,723,216  63,778  4.47  5,691,689  61,279  4.37  3,370,146  32,519  3.87

Federal funds sold 292,952  2,622  3.59  311,936  2,740  3.56  183,268  2,041  4.47

Interest-bearing deposits with other banks and other investments 178,126  2,194  4.94  188,891  2,144  4.60  137,726  1,720  5.01

Total Loans, net2

12,862,053  188,712  5.88  12,671,180  186,227  5.96  10,558,997  157,499  5.98

Total Earning Assets 19,056,347  257,306  5.42  % 18,863,696  252,390  5.43  % 14,250,137  193,779  5.45  %

Allowance for credit losses (177,763) (179,455) (141,442)

Cash and due from banks 187,161  180,639  152,562

Bank premises and equipment, net 160,756  163,528  108,206

Intangible assets 1,214,829  1,225,602  796,431

Bank owned life insurance 334,159  331,529  312,384

Other assets including deferred tax assets 350,290  339,388  322,916

Total Assets $ 21,125,779  $ 20,924,927  $ 15,801,194

Liabilities, Convertible Preferred Stock & Shareholders' Equity

Interest-bearing liabilities:

Interest-bearing demand $ 3,976,446  $ 11,108  1.12  % $ 3,986,616  $ 11,529  1.17  % $ 2,622,944  $ 10,249  1.57  %

Savings 976,058  1,300  0.53  972,525  1,260  0.53  545,718  881  0.65

Money market 5,124,668  31,793  2.49  5,176,998  31,797  2.49  4,122,147  29,505  2.87

Time deposits 2,324,117  18,663  3.22  2,181,476  17,583  3.27  1,700,128  15,120  3.57

Securities sold under agreements to repurchase 344,612  1,889  2.20  348,582  1,853  2.16  185,977  1,214  2.62

Federal Home Loan Bank borrowings 915,000  8,608  3.77  847,225  8,429  4.03  724,231  7,803  4.32

Long-term debt, net and other 112,867  1,795  6.38  112,818  1,785  6.42  107,208  1,712  6.41

Total Interest-Bearing Liabilities 13,773,768  75,156  2.19  % 13,626,240  74,236  2.21  % 10,008,353  66,484  2.66  %

Noninterest demand 4,112,281  4,015,315  3,401,138

Other liabilities 164,252  179,591  139,495

Total Liabilities 18,050,301  17,821,146  13,548,986

Convertible preferred stock 343,125  343,125  —

Shareholders' equity 2,732,353  2,760,656  2,252,208

Total Liabilities, Convertible Preferred Stock & Equity $ 21,125,779  $ 20,924,927  $ 15,801,194

Cost of deposits 1.53  % 1.54  % 1.80  %

Cost of funds3

1.69  1.71  1.99

Interest expense as a % of earning assets 1.58  1.60  1.87

Net interest income as a % of earning assets $ 182,150  3.83  % $ 178,154  3.83  % $ 127,295  3.58  %

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

Six Months Ended June 30, 2026 Six Months Ended June 30, 2025

Average Yield/ Average Yield/

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

Assets

Earning assets:

Securities:

Taxable $ 5,375,696  $ 115,630  4.34  % $ 3,219,772  $ 61,860  3.87  %

Nontaxable 331,844  9,427  5.73  5,378  82  3.07

Total Securities 5,707,540  125,057  4.42  3,225,150  61,942  3.87

Federal funds sold 302,391  5,362  3.58  224,159  4,986  4.49

Interest-bearing deposits with other banks and other investments 183,479  4,338  4.77  121,550  2,974  4.93

Total Loans, net2

12,767,144  374,939  5.92  10,471,732  308,472  5.94

Total Earning Assets 18,960,554  509,696  5.42  % 14,042,591  378,374  5.43  %

Allowance for credit losses (178,604) (139,879)

Cash and due from banks 183,918  155,639

Bank premises and equipment, net 162,134  108,427

Intangible assets 1,220,186  799,045

Bank owned life insurance 332,851  311,114

Other assets including deferred tax assets 344,869  322,603

Total Assets $ 21,025,908  $ 15,599,540

Liabilities, Convertible Preferred Stock & Shareholders' Equity

Interest-bearing liabilities:

Interest-bearing demand $ 3,981,503  $ 22,637  1.15  % $ 2,664,275  $ 21,318  1.61  %

Savings 974,301  2,560  0.53  537,759  1,579  0.59

Money market 5,150,688  63,590  2.49  4,135,730  61,362  2.99

Time deposits 2,253,190  36,246  3.24  1,674,177  30,093  3.62

Securities sold under agreements to repurchase 346,586  3,742  2.18  193,581  2,571  2.68

Federal Home Loan Bank borrowings 881,300  17,037  3.90  554,477  11,886  4.32

Long-term debt, net and other 112,843  3,580  6.40  107,123  3,412  6.42

Total Interest-Bearing Liabilities 13,700,411  149,392  2.20  % 9,867,122  132,221  2.70  %

Noninterest demand 4,064,066  3,347,939

Other liabilities 171,879  150,775

Total Liabilities 17,936,356  13,365,836

Convertible preferred stock 343,125  —

Shareholders' equity 2,746,427  2,233,704

Total Liabilities, Convertible Preferred Stock & Equity $ 21,025,908  $ 15,599,540

Cost of deposits 1.54  % 1.87  %

Cost of funds3

1.70  2.02

Interest expense as a % of earning assets 1.59  1.90

Net interest income as a % of earning assets $ 360,304  3.83  % $ 246,153  3.53  %

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

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

(Amounts in thousands) 2026 2026 2025 2025 2025

Customer Relationship Funding

Noninterest demand

Commercial $ 3,369,981  $ 3,328,553  $ 3,053,115  $ 2,933,228  $ 2,717,688

Retail 665,430  676,152  672,779  508,204  509,539

Public funds 95,381  95,841  112,548  96,396  81,448

Other 85,707  76,308  59,543  74,092  68,266

Total Noninterest Demand 4,216,499  4,176,854  3,897,985  3,611,920  3,376,941

Interest-bearing demand

Commercial 1,573,655  1,627,444  1,534,289  1,586,997  1,466,184

Retail 2,019,505  2,126,907  2,047,462  976,318  838,340

Public funds 277,410  303,142  411,474  190,148  214,333

Total Interest-Bearing Demand 3,870,570  4,057,493  3,993,225  2,753,463  2,518,857

Total transaction accounts

Commercial 4,943,636  4,955,997  4,587,404  4,520,225  4,183,872

Retail 2,684,935  2,803,059  2,720,241  1,484,522  1,347,879

Public funds 372,791  398,983  524,022  286,544  295,781

Other 85,707  76,308  59,543  74,092  68,266

Total Transaction Accounts 8,087,069  8,234,347  7,891,210  6,365,383  5,895,798

Savings

Commercial 40,787  40,481  43,189  43,102  45,531

Retail 931,943  939,152  931,505  572,464  511,941

Total Savings 972,730  979,633  974,694  615,566  557,472

Money market

Commercial 2,444,562  2,396,144  2,334,255  2,303,584  2,073,098

Retail 2,493,658  2,609,435  2,584,398  1,898,375  1,853,398

Public funds 189,152  200,183  222,866  194,499  185,293

Total Money Market 5,127,372  5,205,762  5,141,519  4,396,458  4,111,789

Brokered time certificates 611,578  209,281  120,865  189,561  515,303

Time deposits 1,993,546  2,008,926  2,128,055  1,523,351  1,417,236

Total Time Deposits 2,605,124  2,218,207  2,248,920  1,712,912  1,932,539

Total Deposits 16,792,295  16,637,949  16,256,343  13,090,319  12,497,598

Securities sold under agreements to repurchase 373,095  377,460  389,003  236,247  186,090

Total customer funding1

$ 16,553,812  $ 16,806,128  $ 16,524,481  $ 13,137,005  $ 12,168,385

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 Six Months Ended

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

Net income $ 59,535  $ 31,895  $ 34,260  $ 36,467  $ 42,687  $ 91,430  $ 74,151

Total noninterest income (loss) 27,778  (12,614) 28,631  23,818  24,521  15,164  46,701

Securities losses (gains), net 59  39,528  (84) 841  (39) 39,587  (235)

Total adjusted noninterest income 27,837  26,914  28,547  24,659  24,482  54,751  46,466

Total noninterest expense 123,110  122,171  130,546  101,987  91,730  245,281  182,327

Merger and integration costs (8,358) (8,536) (18,142) (10,808) (2,422) (16,894) (3,473)

Adjusted noninterest expense 114,752  113,635  112,404  91,179  89,308  228,387  178,854

Income taxes 16,531  9,029  9,192  10,461  12,589  25,560  21,975

Tax effect of adjustments 2,133  12,182  4,577  2,952  604  14,315  821

Adjusted income taxes 18,664  21,211  13,769  13,413  13,193  39,875  22,796

Adjusted net income 65,819  67,777  47,741  45,164  44,466  133,596  76,568

Earnings per common share-diluted, as reported 0.55  0.29  0.31  0.42  0.50  0.84  0.87

Adjusted earnings per common share-diluted $ 0.61  $ 0.62  $ 0.44  $ 0.52  $ 0.52  $ 1.23  $ 0.90

Average common shares-diluted 97,250  97,838  97,761  87,425  85,479  97,549  85,454

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

Average common shares-diluted, treating all convertible preferred shares as common 108,500  109,088  109,011  87,425  85,479  108,799  85,454

Adjusted noninterest expense $ 114,752  $ 113,635  $ 112,404  $ 91,179  $ 89,308  $ 228,387  $ 178,854

Provision for credit losses on unfunded commitments (150) (150) (812) (150) (150) (300) (300)

Other real estate owned expense and net (loss) gain on sale (85) (63) 29  346  (8) (148) (249)

Amortization of intangibles (9,960) (10,098) (10,374) (6,005) (5,131) (20,058) (10,440)

Net adjusted noninterest expense 104,557  103,324  101,247  85,370  84,019  207,881  167,865

Average tangible assets $ 19,910,950  $ 19,699,325  $ 19,976,896  $ 15,658,723  $ 15,004,763  $ 19,805,722  $ 14,800,495

Net adjusted noninterest expense to average tangible assets 2.11  % 2.13  % 2.01  % 2.16  % 2.25  % 2.12  % 2.29  %

Net revenue $ 208,173  $ 163,856  $ 203,258  $ 157,286  $ 151,385  $ 372,029  $ 292,082

Total adjustments to net revenue 59  39,528  (84) 841  (39) 39,587  (235)

Impact of FTE adjustment 1,755  1,684  1,617  438  431  3,439  772

Adjusted net revenue on a FTE basis $ 209,987  $ 205,068  $ 204,791  $ 158,565  $ 151,777  $ 415,055  $ 292,619

Adjusted efficiency ratio 54.54  % 55.31  % 54.50  % 57.63  % 58.74  % 54.92  % 60.93  %

Net interest income $ 180,395  $ 176,470  $ 174,627  $ 133,468  $ 126,864  $ 356,865  $ 245,381

Impact of FTE adjustment 1,755  1,684  1,617  438  431  3,439  772

Net interest income including FTE adjustment 182,150  178,154  176,244  133,906  127,295  360,304  246,153

Total noninterest income (loss) 27,778  (12,614) 28,631  23,818  24,521  15,164  46,701

Total noninterest expense less provision for credit losses on unfunded commitments 122,960  122,021  129,734  101,837  91,580  244,981  182,027

Pre-tax pre-provision earnings 86,968  43,519  75,141  55,887  60,236  130,487  110,827

Total adjustments to noninterest income (loss) 59  39,528  (84) 841  (39) 39,587  (235)

Total adjustments to noninterest expense including other real estate owned expense and net (loss) gain on sale 8,443  8,599  18,113  10,462  2,430  17,042  3,722

Adjusted pre-tax pre-provision earnings $ 95,470  $ 91,646  $ 93,170  $ 67,190  $ 62,627  $ 187,116  $ 114,314

GAAP TO NON-GAAP RECONCILIATION (Unaudited)

SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES

Quarterly Trends Six Months Ended

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

Average assets $ 21,125,779  $ 20,924,927  $ 21,203,391  $ 16,486,017  $ 15,801,194  $ 21,025,908  $ 15,599,540

Less average goodwill and intangible assets (1,214,829) (1,225,602) (1,226,495) (827,294) (796,431) (1,220,186) (799,045)

Average tangible assets $ 19,910,950  $ 19,699,325  $ 19,976,896  $ 15,658,723  $ 15,004,763  $ 19,805,722  $ 14,800,495

Return on average assets (ROA) 1.13  % 0.62  % 0.64  % 0.88  % 1.08  % 0.88  % 0.96  %

Impact of other adjustments for adjusted net income 0.12  0.69  0.25  0.21  0.05  0.40  0.03

Adjusted ROA 1.25  1.31  0.89  1.09  1.13  1.28  0.99

ROA 1.13  0.62  0.64  0.88  1.08  0.88  0.96

Impact of removing average intangible assets and related amortization 0.22  0.19  0.19  0.16  0.16  0.20  0.16

Return on average tangible assets (ROTA) 1.35  0.81  0.83  1.04  1.24  1.08  1.12

Impact of other adjustments for adjusted net income 0.13  0.74  0.27  0.22  0.05  0.43  0.03

Adjusted ROTA 1.48  1.55  1.10  1.26  1.29  1.51  1.15

Return on average equity (ROE) 8.74  4.69  4.99  6.17  7.60  6.71  6.69

Impact of other adjustments for adjusted net income 0.92  5.27  1.96  1.47  0.32  3.10  0.22

Adjusted ROE 9.66  % 9.96  % 6.95  % 7.64  % 7.92  % 9.81  % 6.91  %

Average shareholders' equity $ 2,732,353  $ 2,760,656  $ 2,724,208  $ 2,345,233  $ 2,252,208  $ 2,746,427  $ 2,233,704

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

Less average goodwill and intangible assets (1,214,829) (1,225,602) (1,226,495) (827,294) (796,431) (1,220,186) (799,045)

Average tangible equity $ 1,860,649  $ 1,878,179  $ 1,840,838  $ 1,517,939  $ 1,455,777  $ 1,869,366  $ 1,434,659

Return on average shareholders' equity 8.74  % 4.69  % 4.99  % 6.17  % 7.60  % 6.71  % 6.69  %

Impact of adding convertible preferred stock and removing average intangible assets and related amortization 5.70  3.82  4.06  4.53  5.22  4.77  4.83

Return on average tangible equity (ROTE) 14.44  8.51  9.05  10.70  12.82  11.48  11.52

Impact of other adjustments for adjusted net income 1.35  7.75  2.91  2.28  0.49  4.55  0.34

Adjusted ROTE 15.79  % 16.26  % 11.96  % 12.98  % 13.31  % 16.03  % 11.86  %

Loan interest income1

$ 188,712  $ 186,227  $ 187,910  $ 162,341  $ 157,499  $ 374,939  $ 308,472

Accretion on acquired loans (8,901) (12,094) (10,645) (9,543) (10,583) (20,995) (18,804)

Loan interest income excluding accretion on acquired loans1

$ 179,811  $ 174,133  $ 177,265  $ 152,798  $ 146,916  $ 353,944  $ 289,668

Yield on loans1

5.88  % 5.96  % 6.02  % 5.96  % 5.98  % 5.92  % 5.94  %

Impact of accretion on acquired loans (0.27) (0.39) (0.34) (0.35) (0.40) (0.33) (0.36)

Yield on loans excluding accretion on acquired loans1

5.61  % 5.57  % 5.68  % 5.61  % 5.58  % 5.59  % 5.58  %

Net interest income1

$ 182,150  $ 178,154  $ 176,244  $ 133,906  $ 127,295  $ 360,304  $ 246,153

Accretion on acquired loans (8,901) (12,094) (10,645) (9,543) (10,583) (20,995) (18,804)

Net interest income excluding accretion on acquired loans1

$ 173,249  $ 166,060  $ 165,599  $ 124,363  $ 116,712  $ 339,309  $ 227,349

Net interest margin1

3.83  % 3.83  % 3.66  % 3.57  % 3.58  % 3.83  % 3.53  %

Impact of accretion on acquired loans (0.18) (0.26) (0.22) (0.25) (0.29) (0.22) (0.27)

Net interest margin excluding accretion on acquired loans1

3.65  % 3.57  % 3.44  % 3.32  % 3.29  % 3.61  % 3.26  %

Securities interest income1

$ 63,778  $ 61,279  $ 57,852  $ 36,029  $ 32,519  $ 125,057  $ 61,942

Tax equivalent adjustment on securities (1,204) (1,188) (1,114) (10) (7) (2,392) (15)

Securities interest income excluding tax equivalent adjustment1

62,574  60,091  56,738  36,019  32,512  122,665  61,927

Loan interest income1

188,712  186,227  187,910  162,341  157,499  374,939  308,472

Tax equivalent adjustment on loans (551) (496) (503) (428) (424) (1,047) (757)

Loan interest income excluding tax equivalent adjustment 188,161  185,731  187,407  161,913  157,075  373,892  307,715

Net interest income1

182,150  178,154  176,243  133,906  127,295  360,304  246,153

Tax equivalent adjustment on securities (1,204) (1,188) (1,114) (10) (7) (2,392) (15)

Tax equivalent adjustment on loans (551) (496) (503) (428) (424) (1,047) (757)

Net interest income excluding tax equivalent adjustments $ 180,395  $ 176,470  $ 174,626  $ 133,468  $ 126,864  $ 356,865  $ 245,381

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

EX-99.2

EX-99.2

Filename: sbcf2q2026earningspresen.htm · Sequence: 3

sbcf2q2026earningspresen

EARNINGS PRESENTATION SECOND QUARTER 2026 2026

2SECOND QUARTER 2026 EARNINGS PRESENTATION Cautionary Notice Regarding Forward-Looking Statements 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.

3SECOND 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 ▪ 14.3%1 Tier 1 capital ratio ▪ 78% loan-to-deposit ratio Valuable Footprint with Strong Capital and Liquidity 1Estimated

4SECOND QUARTER 2026 EARNINGS PRESENTATION • Net income of $59.5 million, or $0.55 per diluted share, increased 87% from the prior quarter and 39% from the prior year quarter. Adjusted net income1 was $65.8 million, or $0.61 per diluted share. • Adjusted pre-tax pre-provision earnings1 increased 4% from the prior quarter and 52% from the prior year quarter. • 16% annualized organic loan growth. • Total deposits increased 4% on an annualized basis, including a 4% annualized increase in noninterest- bearing deposits. • Cost of deposits declined to 1.53%. Second Quarter 2026 Highlights • Net interest income grew 2% from the prior quarter and 42% from the prior year quarter. • Net interest margin was stable at 3.83%, and excluding accretion on acquired loans, expanded eight basis points to 3.65%. • Strong capital position, with a Tier 1 capital ratio of 14.3%2 and a tangible equity to tangible assets ratio of 9.3%. • Repurchased 751,680 shares of common stock during the quarter, and 1,072,443 shares of common stock year to date. 1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. 3Estimated

5SECOND QUARTER 2026 EARNINGS PRESENTATION Net Interest Income and Net Interest Margin ($ in m ill io ns ) $127.3 $133.9 $176.2 $178.2 $182.2 3.58% 3.57% 3.66% 3.83% 3.83% 3.29% 3.32% 3.44% 3.57% 3.65% Net Interest Income Net Interest Margin NIM, excluding accretion on acquired loans 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 Net interest income1 totaled $182.2 million, an increase of $4.0 million, or 2%, from the prior quarter. Net interest margin was stable at 3.83%. Excluding the effect of accretion on acquired loans, the core net interest margin expanded eight basis points to 3.65%. Securities yields increased 10 basis points to 4.47%, benefiting from the full quarter impact of the securities repositioning executed in the first quarter of 2026. Loan yields decreased eight basis points from the prior quarter to 5.88%. Excluding the effect of accretion on acquired loans, yields increased four basis points to 5.61%. The cost of deposits declined one basis point to 1.53% and cost of funds decreased two basis points to 1.69%. 1 1Calculated on a fully taxable equivalent basis using amortized cost.

6SECOND QUARTER 2026 EARNINGS PRESENTATION $24.5 $23.8 $28.6 $(12.6) $27.8 $24.5 $24.7 $28.5 $26.9 $27.8 Noninterest income Adjusted noninterest income 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 Noninterest income increased to $27.8 million. Adjusted noninterest income increased $0.9 million, or 3%, from the prior quarter to $27.8 million. Changes included: Service charges on deposits totaled $7.0 million, an increase of $0.1 million, or 2%, from the prior quarter. Wealth management income totaled $6.0 million, an increase of $0.2 million, or 3%, from the prior quarter. The wealth management division has continued to deliver significant growth, driven by robust organic business development, strong client retention, and continued asset inflows from existing relationships, and has added $388 million in new organic assets under management in the first half or 2026. Assets under management have grown 45% year over year to $3.2 billion. Mortgage banking income totaled $2.7 million, an increase of $0.6 million, or 27%, from the prior quarter, with higher saleable production continuing to benefit from strong activity in The Villages® communities. Insurance agency income totaled $1.3 million, a decrease of $0.5 million, or 25%, from the prior quarter. The first quarter of 2026 included typical seasonal contingency payments, which are collected annually. Other income totaled $6.0 million, an increase of $0.5 million, or 8%, from the prior quarter. The second quarter of 2026 included higher fees on customer swap activity, partially offset by lower SBIC income. Noninterest Income ($ in millions) 1 1Calculated Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. Strategic repositioning of the securities portfolio in 1Q’26 resulted in a $39.5 million loss.

7SECOND QUARTER 2026 EARNINGS PRESENTATION $1,387 $1,711 $2,053 $2,808 2022 2023 2024 2025 2Q’26 Growth in Wealth Management Assets under management totaled $3.2 billion at June 30, 2026, increasing 45% year-over-year. $388 million in new organic assets under management year-to-date in 2026 driven by both new and expanding existing client relationships. Since 2022, assets under management have increased at a compound annual growth rate (“CAGR”) of 24%. 24% CAG R Assets Under Management End-of-Period ($ in millions) $3,216

8SECOND QUARTER 2026 EARNINGS PRESENTATION $89.3 $91.2 $112.4 $113.6 $114.8 58.7% 57.6% 54.5% 55.3% 54.5% Adjusted noninterest expense Adjusted Efficiency Ratio Total Assets 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 Noninterest Expense Results in the second quarter of 2026 are discussed below. Year-over-year increases reflect continued expansion of the footprint and growth in customers, including through bank acquisitions. • Salaries and employee benefits totaled $63.1 million, an increase of $0.5 million, or 1%, from the prior quarter and an increase of $10.6 million, or 20%, from the prior year quarter. • Outsourced data processing costs totaled $12.2 million, an increase of $0.2 million, or 2%, from the prior quarter and an increase of $3.7 million, or 44%, from the prior year quarter. • Occupancy costs totaled $9.6 million, an increase of $0.4 million, or 4%, compared to the prior quarter and an increase of $2.1 million, or 28%, from the prior year quarter. • Legal and professional fees totaled $2.5 million, a decrease of $0.7 million, or 22%, compared to the prior quarter and an increase of $0.4 million, or 20%, from the prior year quarter. The changes are largely associated with the timing of various projects. • Amortization of intangibles totaled $10.0 million, a decrease of $0.1 million, or 1%, from the prior quarter and an increase of $4.8 million, or 94%, from the prior year quarter. • Merger and integration costs totaled $8.4 million, compared to $8.5 million in the prior quarter and $2.4 million in the prior year quarter. 1Calculated Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. ($ in millions) $91.7 $102.0 $130.5 $122.2 $123.1 60.3% 64.4% 63.4% 59.5% 58.5% Noninterest expense Efficiency Ratio Total Assets 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 Noninterest Expense $15,945 $16,677 $20,842 $21,145 $21,360 Adjusted Noninterest Expense1 $15,945 $16,677 $20,842 $21,145 $21,360

9SECOND QUARTER 2026 EARNINGS PRESENTATION $10,609 $10,964 $12,628 $12,641 $13,145 5.98% 5.96% 6.02% 5.96% 5.88% 5.58% 5.61% 5.68% 5.57% 5.61% Yield Excluding Accretion on Acquired Loans Reported Yield Total Loans 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 $861.2 $1,134.1 $947.9 $1,045.0 $1,291.2 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 Commercial Loan Pipeline ($ 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 $504.0 million in loans outstanding - a 16.0% 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. The commercial pipeline totaled $1.3 billion at June 30, 2026, increasing 24% from the prior quarter, and 50% from the prior year quarter.

10SECOND QUARTER 2026 EARNINGS PRESENTATION At June 30, 2026 CRE-Retail, 11% CRE-Office, 4% CRE-Multifamily 5+, 4% CRE-Hotel/Motel, 2% CRE-Industrial/Warehouse, 7% CRE-Other, 5% OOCRE, 16% Construction & Land Development, 6% Commercial & Financial, 19% Residential, 25% Consumer, 1% Loan Portfolio Mix Seacoast's lending strategy results in a diverse and granular loan portfolio. Seacoast’s average loan size is $459 thousand and the average commercial loan size is $1.0 million at June 30, 2026. Portfolio diversification in terms of asset mix, industry, and loan type has been a critical element of the Company’s lending strategy. Exposures across industries and collateral types are broadly distributed. Construction and land development and commercial real estate loans, as defined in regulatory guidance, represent 37% and 216%, respectively, of total consolidated risk-based capital1. 1Estimated

11SECOND 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 $ 857 $ 9 1.05 % $ 1 0.12 % Owner Occupied Commercial Real Estate 2,122 23 1.08 13 0.61 Commercial Real Estate 4,238 56 1.32 55 1.30 Residential Real Estate 3,258 50 1.53 41 1.26 Commercial & Financial 2,477 37 1.49 18 0.73 Consumer 193 7 3.63 1 0.52 Total $ 13,145 $ 182 1.38 % $ 129 0.98 % • The total allowance for credit losses was $182 million as of June 30, 2026, an increase of 3% compared to March 31, 2026. • The $129 million remaining unrecognized discount on acquired loans represents 0.98% of total loans. • The reserve for unfunded commitments was $7 million at June 30, 2026 and is reflected in Other liabilities.

12SECOND QUARTER 2026 EARNINGS PRESENTATION 0.09% 0.12% 0.03% 0.11% 0.10% NCO/Average Loans 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 1.34% 1.34% 1.42% 1.39% 1.38% ACL/Total Loans 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 Continued Strong Asset Quality Trends Nonperforming Loans 0.61% 0.55% 0.57% 0.75% 0.66% 0.13% 0.19% 0.26% 0.22% 0.15% NPL/Total Loans Accruing Past Due / Total Loans 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 2.39% 2.50% 2.82% 2.82% 2.88% Criticized and Classified Loans / Total Loans 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 Criticized and Classified LoansAllowance for Credit Losses Net Charge-Offs

13SECOND QUARTER 2026 EARNINGS PRESENTATION Well-Managed Deposit Costs Deposits increased $154.3 million, or 3.7% annualized, during the second quarter of 2026. Continued focus on organic growth and relationship-based funding. The addition of commercial talent onboarding new relationships, in combination with our innovative analytics platform, supports a well- diversified, low-cost deposit portfolio. Lower funding costs were supported by continued growth in noninterest- bearing deposits and disciplined deposit pricing. Growth in noninterest- bearing deposits was 4% annualized. $12,498 Deposits End-of-Period ($ in millions) $12,498 $13,090 $16,256 $16,638 $16,792 4.50% 4.25% 3.75% 3.75% 3.75% 1.80% 1.81% 1.67% 1.54% 1.53% Total Deposits Fed Funds Upper Limit Cost of Deposits 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26

14SECOND QUARTER 2026 EARNINGS PRESENTATION Deposits End-of-Period ($ in millions) $12,498 $13,090 $16,256 $16,638 $16,792 Transaction Accounts Savings Money Market Brokered Time Deposits 2Q'25 3Q'25 4Q'25 1Q'26 2Q'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. Consumer deposits represent 48% of total customer deposits, with an average balance per account of $24 thousand. Business deposits represent 52% of total customer deposits, with an average balance per account of $121 thousand. The average customer tenure is 11 years. Brokered deposits were utilized as a temporary funding source to offset typical seasonal lows in core deposit balances. 48%50%48% 48%47% 6%6%6% 5% 4% 33% 34% 32% 31% 30% 4% 1% 1% 1% 4% 11% 12% 13% 12% 12%

15SECOND QUARTER 2026 EARNINGS PRESENTATION Investment Securities Performance and Composition Net unrealized losses in the AFS portfolio increased during the second quarter of 2026 by $7.5 million, driven by an increase in interest rates during the period. Portfolio yields increased 10 basis points to 4.47% from 4.37% in the prior quarter, benefiting from the full quarter impact of the strategic securities repositioning executed in the first quarter of 2026. Net Unrealized Loss in Securities ($ in millions) 6/30/2026 3/31/2026 △ from 1Q'26 Total Available-for-Sale $ (111,730) $ (104,198) $ (7,532) Total Held-to-Maturity (98,349) (98,449) 100 Total Securities $ (210,079) $ (202,647) $ (7,432) ($ in m ill io ns ) $3,479 $3,811 $5,751 $5,645 $5,739 $613 $599 $586 $576 $564 $2,866 $3,212 $5,165 $5,069 $5,175 3.87% 3.92% 4.13% 4.37% 4.47% HTM Securities AFS Securities Yield 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26

16SECOND QUARTER 2026 EARNINGS PRESENTATION $17.19 $17.61 $15.14 $15.33 $15.71 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 16.1% 15.9% 15.9% 16.0% 15.7% 14.0% 13.9% 11.5% 11.7% 11.5% Total Risk Based Capital CET1 Ratio Adjusted CET1 Ratio 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 12.8% 10.7% 9.1% 8.5% 14.4% 13.3% 13.0% 12.0% 16.3% 15.8% GAAP - ROTE Adjusted - ROTE 2Q'25 3Q'25 4Q'25 1Q'26 2Q'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 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 $16.901 $17.251 16.721 9.8% 9.8% 7.6% 7.5% 7.5% Tangible Common Equity to Tangible Assets Tangible Equity to Tangible Assets 2Q'25 3Q'25 4Q'25 1Q'26 2Q'26 9.2% 9.3%9.3% 14.0% 14.1% 13.8% 1

17SECOND QUARTER 2026 EARNINGS PRESENTATION 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. Current Assumptions: • No rate cuts in 2026 and the current forward curve • Stable economic environment

18SECOND QUARTER 2026 EARNINGS PRESENTATION Appendix

19SECOND QUARTER 2026 EARNINGS PRESENTATION Selected Acquisition-Related Impacts to Earnings Quarterly Trend ($ in millions, except per share amounts) 2Q'26 1Q'26 4Q'25 3Q'25 2Q'25 Accretion on acquired loans $ 8.9 $ 12.1 $ 10.6 $ 9.5 $ 10.6 Amortization of intangibles 10.0 10.1 10.4 6.0 5.1 Accretion on acquired loans, net of amortization of intangibles (1.1) 2.0 0.2 3.5 5.5 Tax effect (0.3) 0.5 0.1 0.9 1.4 Accretion on acquired loans, net of amortization of intangibles, after taxes $ (0.8) $ 1.5 $ 0.1 $ 2.6 $ 4.1 Net per share impact $ (0.01) $ 0.01 $ — $ 0.03 $ 0.05 • 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 $8.9 million, net of amortization of intangibles of $10.0 million in Q2 2026 resulted in a $(0.01) impact to diluted earnings per share.

20SECOND QUARTER 2026 EARNINGS PRESENTATION Recognition 3rd consecutive year 4th consecutive year 2nd consecutive year 6th consecutive year 5th consecutive year 2nd consecutive year 1st time winner

21SECOND 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 report 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

22SECOND QUARTER 2026 EARNINGS PRESENTATION Quarterly Trend Six Months Ended (Amounts in millions except per share data) 2Q'26 1Q'26 4Q'25 3Q'25 2Q'25 2Q'26 2Q'25 Net Income $ 59.5 $ 31.9 $ 34.3 $ 36.5 $ 42.7 $ 91.4 $ 74.2 Total noninterest income (loss) 27.8 (12.6) 28.6 23.8 24.5 15.2 46.7 Securities losses (gains), net 0.1 39.5 (0.1) 0.8 — 39.6 (0.2) Total Adjusted Noninterest Income 27.8 26.9 28.5 24.7 24.5 54.8 46.5 Total noninterest expense 123.1 122.2 130.5 102.0 91.7 245.3 182.3 Merger and integration costs (8.4) (8.5) (18.1) (10.8) (2.4) (16.9) (3.5) Adjusted Noninterest Expense 114.8 113.6 112.4 91.2 89.3 228.4 178.9 Income Taxes 16.5 9.0 9.2 10.5 12.6 25.6 22.0 Tax effect of adjustments 2.1 12.2 4.6 3.0 0.6 14.3 0.8 Adjusted Income Taxes 18.7 21.2 13.8 13.4 13.2 39.9 22.8 Adjusted Net Income 65.8 67.8 47.7 45.2 44.5 133.6 76.6 Earnings per common share-diluted, as reported 0.55 0.29 0.31 0.42 0.50 0.84 0.87 Adjusted Earnings per Common Share-Diluted $ 0.61 $ 0.62 $ 0.44 $ 0.52 $ 0.52 $ 1.23 $ 0.90 Average common shares-diluted 97.3 97.8 97.8 87.4 85.5 97.5 85.5 Average preferred shares, treating all convertible preferred shares as common 11.3 11.3 11.3 — — 11.3 — Average common shares-diluted, treating all convertible preferred shares as common 108.5 109.1 109.0 87.4 85.5 108.8 85.5 GAAP to Non-GAAP Reconciliation

23SECOND QUARTER 2026 EARNINGS PRESENTATION GAAP to Non-GAAP Reconciliation Quarterly Trend Six Months Ended (Amounts in millions except per share data) 2Q'26 1Q'26 4Q'25 3Q'25 2Q'25 2Q'26 2Q'25 Adjusted Noninterest Expense $ 114.8 $ 113.6 $ 112.4 $ 91.2 $ 89.3 $ 228.4 $ 178.9 Provision for credit losses on unfunded commitments (0.2) (0.2) (0.8) (0.2) (0.2) (0.3) (0.3) Other real estate owned expense and net (loss) gain on sale (0.1) (0.1) — 0.3 — (0.1) (0.2) Amortization of intangibles (10.0) (10.1) (10.4) (6.0) (5.1) (20.1) (10.4) Net Adjusted Noninterest Expense 104.6 103.3 101.2 85.4 84.0 207.9 167.9 Average tangible assets $ 19,911.0 $ 19,699.3 $ 19,976.9 $ 15,658.7 $ 15,004.8 $ 19,805.7 $ 14,800.5 Net Adjusted Noninterest Expense to Average Tangible Assets 2.11 % 2.13 % 2.01 % 2.16 % 2.25 % 2.12 % 2.29 % Net Revenue $ 208.2 $ 163.9 $ 203.3 $ 157.3 $ 151.4 $ 372.0 $ 292.1 Total Adjustments to Net Revenue 0.1 39.5 (0.1) 0.8 — 39.6 (0.2) Impact of FTE adjustment 1.8 1.7 1.6 0.4 0.4 3.4 0.8 Adjusted Net Revenue on a FTE basis $ 210.0 $ 205.1 $ 204.8 $ 158.6 $ 151.8 $ 415.1 $ 292.6 Adjusted Efficiency Ratio 54.54 % 55.31 % 54.50 % 57.63 % 58.74 % 54.92 % 60.93 % Net Interest Income $ 180.4 $ 176.5 $ 174.6 $ 133.5 $ 126.9 $ 356.9 $ 245.4 Impact of FTE adjustment 1.8 1.7 1.6 0.4 0.4 3.4 0.8 Net Interest Income Including FTE adjustment 182.2 178.2 176.2 133.9 127.3 360.3 246.2 Total noninterest income (loss) 27.8 (12.6) 28.6 23.8 24.5 15.2 46.7 Total noninterest expense less provision for credit losses on unfunded commitments 123.0 122.0 129.7 101.8 91.6 245.0 182.0 Pre-Tax Pre-Provision Earnings 87.0 43.5 75.1 55.9 60.2 130.5 110.8 Total Adjustments to Noninterest Income (Loss) 0.1 39.5 (0.1) 0.8 — 39.6 (0.2) Total Adjustments to Noninterest Expense including other real estate owned expense and net (loss) gain on sale 8.4 8.6 18.1 10.5 2.4 17.0 3.7 Adjusted Pre-Tax Pre-Provision Earnings $ 95.5 $ 91.6 $ 93.2 $ 67.2 $ 62.6 $ 187.1 $ 114.3

24SECOND QUARTER 2026 EARNINGS PRESENTATION Quarterly Trend Six Months Ended (Amounts in millions except per share data) 2Q'26 1Q'26 4Q'25 3Q'25 2Q'25 2Q'26 2Q'25 Average Assets $ 21,125.8 $ 20,924.9 $ 21,203.4 $ 16,486.0 $ 15,801.2 $ 21,025.9 $ 15,599.5 Less average goodwill and intangible assets (1,214.8) (1,225.6) (1,226.5) (827.3) (796.4) (1,220.2) (799.0) Average Tangible Assets $ 19,911.0 $ 19,699.3 $ 19,976.9 $ 15,658.7 $ 15,004.8 $ 19,805.7 $ 14,800.5 Return on Average Assets (ROA) 1.13 % 0.62 % 0.64 % 0.88 % 1.08 % 0.88 % 0.96 % Impact of other adjustments for Adjusted Net Income 0.12 0.69 0.25 0.21 0.05 0.40 0.03 Adjusted ROA 1.25 1.31 0.89 1.09 1.13 1.28 0.99 ROA 1.13 0.62 0.64 0.88 1.08 0.88 0.96 Impact of removing average intangible assets and related amortization 0.22 0.19 0.19 0.16 0.16 0.20 0.16 Return on Average Tangible Assets (ROTA) 1.35 0.81 0.83 1.04 1.24 1.08 1.12 Impact of other adjustments for Adjusted Net Income 0.13 0.74 0.27 0.22 0.05 0.43 0.03 Adjusted ROTA 1.48 1.55 1.10 1.26 1.29 1.51 1.15 Return on Average Equity (ROE) 8.74 4.69 4.99 6.17 7.60 6.71 6.69 Impact of other adjustments for Adjusted Net Income 0.92 5.27 1.96 1.47 0.32 3.10 0.22 Adjusted ROE 9.66 % 9.96 % 6.95 % 7.64 % 7.92 % 9.81 % 6.91 % Average Shareholders' Equity $ 2,732.4 $ 2,760.7 $ 2,724.2 $ 2,345.2 $ 2,252.2 $ 2,746.4 $ 2,233.7 Average convertible preferred stock 343.1 343.1 343.1 — — 343.1 — Less average goodwill and intangible assets (1,214.8) (1,225.6) (1,226.5) (827.3) (796.4) (1,220.2) (799.0) Average Tangible Equity $ 1,860.6 $ 1,878.2 $ 1,840.8 $ 1,517.9 $ 1,455.8 $ 1,869.4 $ 1,434.7 Return on Average Shareholders' Equity 8.74 % 4.69 % 4.99 % 6.17 % 7.60 % 6.71 % 6.69 % Impact of adding convertible preferred stock and removing average intangible assets and related amortization 5.70 3.82 4.06 4.53 5.22 4.77 4.83 Return on Average Tangible Equity (ROTE) 14.44 8.51 9.05 10.70 12.82 11.48 11.52 Impact of other adjustments for Adjusted Net Income 1.35 7.75 2.91 2.28 0.49 4.55 0.34 Adjusted ROTE 15.79 % 16.26 % 11.96 % 12.98 % 13.31 % 16.03 % 11.86 % GAAP to Non-GAAP Reconciliation

25SECOND QUARTER 2026 EARNINGS PRESENTATION Quarterly Trend Six Months Ended (Amounts in millions except per share data) 2Q'26 1Q'26 4Q'25 3Q'25 2Q'25 2Q'26 2Q'25 Loan Interest Income1 $ 188.7 $ 186.2 $ 187.9 $ 162.3 $ 157.5 $ 374.9 $ 308.5 Accretion on acquired loans (8.9) (12.1) (10.6) (9.5) (10.6) (21.0) (18.8) Loan interest income excluding accretion on acquired loans1 $ 179.8 $ 174.1 $ 177.3 $ 152.8 $ 146.9 $ 353.9 $ 289.7 Yield on Loans1 5.88 % 5.96 % 6.02 % 5.96 % 5.98 % 5.92 % 5.94 % Impact of accretion on acquired loans (0.27) (0.39) (0.34) (0.35) (0.40) (0.33) (0.36) Yield on loans excluding accretion on acquired loans1 5.61 % 5.57 % 5.68 % 5.61 % 5.58 % 5.59 % 5.58 % Net Interest income1 $ 182.2 $ 178.2 $ 176.2 $ 133.9 $ 127.3 $ 360.3 $ 246.2 Accretion on acquired loans (8.9) (12.1) (10.6) (9.5) (10.6) (21.0) (18.8) Net interest income excluding accretion on acquired loans1 $ 173.2 $ 166.1 $ 165.6 $ 124.4 $ 116.7 $ 339.3 $ 227.3 Net Interest Margin1 3.83 % 3.83 % 3.66 % 3.57 % 3.58 % 3.83 % 3.53 % Impact of accretion on acquired loans (0.18) (0.26) (0.22) (0.25) (0.29) (0.22) (0.27) Net interest margin excluding accretion on acquired loans1 3.65 % 3.57 % 3.44 % 3.32 % 3.29 % 3.61 % 3.26 % Securities Interest Income1 $ 63.8 $ 61.3 $ 57.9 $ 36.0 $ 32.5 $ 125.1 $ 61.9 Tax equivalent adjustment on securities (1.2) (1.2) (1.1) — — (2.4) — Securities interest income excluding tax equivalent adjustment1 62.6 60.1 56.7 36.0 32.5 122.7 61.9 Loan Interest Income1 188.7 186.2 187.9 162.3 157.5 374.9 308.5 Tax equivalent adjustment on loans (0.6) (0.5) (0.5) (0.4) (0.4) (1.0) (0.8) Loan interest income excluding tax equivalent adjustment 188.2 185.7 187.4 161.9 157.1 373.9 307.7 Net Interest Income1 182.2 178.2 176.2 133.9 127.3 360.3 246.2 Tax equivalent adjustment on securities (1.2) (1.2) (1.1) — — (2.4) — Tax equivalent adjustment on loans (0.6) (0.5) (0.5) (0.4) (0.4) (1.0) (0.8) Net interest income excluding tax equivalent adjustment $ 180.4 $ 176.5 $ 174.6 $ 133.5 $ 126.9 $ 356.9 $ 245.4 1On a fully taxable equivalent basis. All yields and rates have been computed using amortized cost. GAAP to Non-GAAP Reconciliation

26SECOND QUARTER 2026 EARNINGS PRESENTATION Quarterly Trend Six Months Ended (Amounts in millions except per share data) 2Q'26 1Q'26 4Q'25 3Q'25 2Q'25 2Q'26 2Q'25 Total Shareholders’ Equity $ 2,730.8 $ 2,717.7 $ 2,712.7 $ 2,378.1 $ 2,271.6 $ 2,730.8 $ 2,271.6 Goodwill (1,035.0) (1,035.0) (1,034.7) (754.6) (732.4) (1,035.0) (732.4) Other intangible assets, net (174.5) (185.0) (195.7) (76.3) (61.3) (174.5) (61.3) Total Adjustments to Shareholders’ Equity (1,209.5) (1,220.0) (1,230.4) (830.9) (793.7) (1,209.5) (793.7) Total Tangible Common Shareholders’ Equity 1,521.3 1,497.7 1,482.2 1,547.2 1,477.8 1,521.3 1,477.8 Convertible preferred stock 343.1 343.1 343.1 — — 343.1 — Total Tangible Shareholders’ Equity $ 1,864.4 $ 1,840.8 $ 1,825.3 $ 1,547.2 $ 1,477.8 $ 1,864.4 $ 1,477.8 Common stock, shares outstanding 96.8 97.7 97.9 87.9 85.9 96.8 85.9 Preferred stock1, shares outstanding 11.3 11.3 11.3 — — 11.3 — Common stock, shares outstanding, treating all preferred shares as common 108.1 108.9 109.2 87.9 85.9 108.1 85.9 Tangible Book Value per Share $ 15.71 $ 15.33 $ 15.14 $ 17.61 $ 17.19 $ 15.71 $ 17.19 Tangible Book Value per Share, treating all preferred shares as common 17.25 16.90 16.72 17.61 17.19 17.25 17.19 Net income available to common shareholders 57.4 29.8 32.1 36.5 42.7 87.2 81.9 Less allocation of earnings to preferred stock-diluted (4.1) (1.2) (1.4) — — (5.2) — Net income available to common shareholders after allocation of earnings to preferred stock $ 53.3 $ 28.6 $ 30.7 $ 36.5 $ 42.7 $ 81.9 $ 81.9 Average common shares-diluted 97.3 97.8 97.8 87.4 85.5 97.5 85.5 Average preferred shares, treating all preferred shares as common 11.3 11.3 11.3 — — 11.3 — Average common shares-diluted, treating all preferred shares as common 108.5 109.1 109.0 87.4 85.5 108.8 85.5 Earnings per common share-diluted, as reported $ 0.55 $ 0.29 $ 0.31 $ 0.42 $ 0.50 $ 0.84 $ 0.87 Earnings per common share-diluted, treating all preferred shares as common 0.55 0.29 0.31 0.42 0.50 0.84 0.87 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. GAAP to Non-GAAP Reconciliation

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen001.jpg · Sequence: 7

Binary file (97173 bytes)

Download sbcf2q2026earningspresen001.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen002.jpg · Sequence: 8

Binary file (319243 bytes)

Download sbcf2q2026earningspresen002.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen003.jpg · Sequence: 9

Binary file (119544 bytes)

Download sbcf2q2026earningspresen003.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen004.jpg · Sequence: 10

Binary file (136256 bytes)

Download sbcf2q2026earningspresen004.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen005.jpg · Sequence: 11

Binary file (103573 bytes)

Download sbcf2q2026earningspresen005.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen006.jpg · Sequence: 12

Binary file (132092 bytes)

Download sbcf2q2026earningspresen006.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen007.jpg · Sequence: 13

Binary file (84773 bytes)

Download sbcf2q2026earningspresen007.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen008.jpg · Sequence: 14

Binary file (130809 bytes)

Download sbcf2q2026earningspresen008.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen009.jpg · Sequence: 15

Binary file (109401 bytes)

Download sbcf2q2026earningspresen009.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen010.jpg · Sequence: 16

Binary file (98228 bytes)

Download sbcf2q2026earningspresen010.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen011.jpg · Sequence: 17

Binary file (105194 bytes)

Download sbcf2q2026earningspresen011.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen012.jpg · Sequence: 18

Binary file (82800 bytes)

Download sbcf2q2026earningspresen012.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen013.jpg · Sequence: 19

Binary file (99577 bytes)

Download sbcf2q2026earningspresen013.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen014.jpg · Sequence: 20

Binary file (120901 bytes)

Download sbcf2q2026earningspresen014.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen015.jpg · Sequence: 21

Binary file (109481 bytes)

Download sbcf2q2026earningspresen015.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen016.jpg · Sequence: 22

Binary file (117023 bytes)

Download sbcf2q2026earningspresen016.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen017.jpg · Sequence: 23

Binary file (95015 bytes)

Download sbcf2q2026earningspresen017.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen018.jpg · Sequence: 24

Binary file (31622 bytes)

Download sbcf2q2026earningspresen018.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen019.jpg · Sequence: 25

Binary file (111379 bytes)

Download sbcf2q2026earningspresen019.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen020.jpg · Sequence: 26

Binary file (104500 bytes)

Download sbcf2q2026earningspresen020.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen021.jpg · Sequence: 27

Binary file (165600 bytes)

Download sbcf2q2026earningspresen021.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen022.jpg · Sequence: 28

Binary file (131532 bytes)

Download sbcf2q2026earningspresen022.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen023.jpg · Sequence: 29

Binary file (169641 bytes)

Download sbcf2q2026earningspresen023.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen024.jpg · Sequence: 30

Binary file (184243 bytes)

Download sbcf2q2026earningspresen024.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen025.jpg · Sequence: 31

Binary file (177815 bytes)

Download sbcf2q2026earningspresen025.jpg

GRAPHIC

GRAPHIC

Filename: sbcf2q2026earningspresen026.jpg · Sequence: 32

Binary file (180432 bytes)

Download sbcf2q2026earningspresen026.jpg

GRAPHIC

GRAPHIC

Filename: sbcflogoa.gif · Sequence: 33

Binary file (9403 bytes)

Download sbcflogoa.gif

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 35

v3.26.1

Cover Page

Jul. 28, 2026

Cover [Abstract]

Document Type

8-K

Document Period End Date

Jul. 28, 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