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Seacoast Banking Corporation of Florida SBCF
$ 36.13 0.56%
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Quarterly report 2026-Q2
added 08-04-2026

Seacoast Banking Corporation of Florida Balance Sheet 2025-2008 | SBCF

Brief overview of Seacoast Banking Corporation of Florida's balance sheet structure

This overview follows the five latest available annual observations between 2021 and 2025.

Assets rose from $9.7 billion to $20.8 billion, a gain of +115.3%, while CAGR was about 21.1%. The balance sheet expanded rapidly.

Assets and liabilities changed at similar rates, +115.3% and +112.5%. The funding mix did not shift sharply.

Banks and insurers cannot be assessed like industrial businesses on liabilities alone. Here, equity represents 13% of assets, previously 13.5%.

By the end of the period, accumulated earnings were $603.8 million; the change from the start was .

Overall assessment

Taken together, the figures indicate acceptable resilience for Seacoast Banking Corporation of Florida. The next assessment depends on debt and equity trends.

Annual Balance Sheet Seacoast Banking Corporation of Florida

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008

Net Debt

-276 M -370 M -341 M -117 M - 1.32 B 1.2 B 1.19 B 1.12 B 1.33 B 775 M 755 M 554 M 572 M -63.5 M - - -

Long Term Debt

113 M 107 M 106 M 84.5 M - 71.4 M 386 M 451 M 282 M 485 M 120 M 115 M 104 M 104 M 104 M - - -

Total Non Current Liabilities

- - - - - - 71.1 M 70.8 M 70.5 M 70.2 M 70 M 64.6 M 53.6 M 53.6 M 53.6 M - - -

Total Liabilities

17.8 B 13 B 12.5 B 10.5 B 8.37 B 7.21 B 6.12 B 5.88 B 5.12 B 4.25 B 3.18 B 2.78 B 2.07 B 2.01 B 1.97 B 1.85 B - -

Retained Earnings

604 M 527 M 467 M 424 M - 257 M 196 M 97.1 M 29.9 M -13.7 M -42.9 M -65 M -70.7 M -119 M -114 M -113 M - -

Total Assets

20.8 B 15.2 B 14.6 B 12.1 B 9.68 B 8.34 B 7.11 B 6.75 B 5.81 B 4.68 B 3.53 B 3.09 B 2.27 B 2.17 B 2.14 B 2.02 B - -

Cash and Cash Equivalents

389 M 477 M 447 M 202 M 738 M 404 M 125 M 116 M 110 M 110 M 136 M 101 M 192 M 175 M 167 M 211 M 215 M 151 M

Book Value

3.06 B 2.18 B 2.11 B 1.61 B 1.31 B 1.13 B 986 M 864 M 690 M 435 M 353 M 313 M 199 M 166 M 170 M 166 M - -

Total Shareholders Equity

2.71 B 2.18 B 2.11 B 1.61 B 1.31 B 1.13 B 986 M 864 M 690 M 435 M 353 M 313 M 199 M 166 M 170 M 166 M 152 M 216 M

All numbers in USD currency

Quarterly Balance Sheet Seacoast Banking Corporation of Florida

2026-Q2 2026-Q1 2025-Q3 2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

Long Term Debt

113 M 113 M 107 M 107 M 107 M 107 M 107 M 107 M 106 M 106 M - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Total Liabilities

18.3 B 18.1 B 14.3 B 13.7 B 13.5 B 13 B 13 B 12.8 B 12.7 B 12.5 B 12.8 B 13 B 13.2 B 10.5 B 9.06 B - 9.55 B 8.37 B 8.6 B 8.13 B 7.66 B 7.21 B 7.21 B 7.21 B 7.21 B 6.12 B 6.12 B 6.12 B 6.12 B 5.88 B 5.88 B 5.88 B 5.88 B 5.12 B 5.12 B 5.12 B 5.12 B 4.25 B 4.25 B 4.25 B 4.25 B 3.18 B 3.18 B 3.18 B 3.18 B 2.78 B 2.78 B 2.78 B 2.78 B 2.07 B 2.07 B 2.07 B 2.07 B 2.01 B 2.01 B 2.01 B 2.01 B 1.97 B 1.97 B 1.97 B 1.97 B

Retained Earnings

654 M 615 M 590 M 570 M 543 M 527 M 508 M 493 M 478 M 467 M 453 M 437 M 421 M 424 M - - - 359 M - - - 257 M - - - 196 M 196 M 196 M 196 M 97.1 M - - - 29.9 M - - - -13.7 M - - - -42.9 M - - - -65 M - - - -70.7 M - - - -119 M - - - -114 M - - -

Total Assets

21.4 B 21.1 B 16.7 B 15.9 B 15.7 B 15.2 B 15.2 B 15 B 14.8 B 14.6 B 14.8 B 15 B 15.3 B 12.1 B 10.3 B - 10.9 B 9.68 B 9.89 B 9.32 B 8.81 B 8.34 B 8.34 B 8.34 B 8.34 B 7.11 B 7.11 B 7.11 B 7.11 B 6.75 B 6.75 B 6.75 B 6.75 B 5.81 B 5.81 B 5.81 B 5.81 B 4.68 B 4.68 B 4.68 B 4.68 B 3.53 B 3.53 B 3.53 B 3.53 B 3.09 B 3.09 B 3.09 B 3.09 B 2.27 B 2.27 B 2.27 B 2.27 B 2.17 B 2.17 B 2.17 B 2.17 B 2.14 B 2.14 B 2.14 B 2.14 B

Cash and Cash Equivalents

430 M 808 M 306 M 332 M 501 M 477 M 637 M 750 M 683 M 447 M 696 M 728 M 791 M 202 M 219 M 901 M 1.22 B 738 M 1.23 B 1.45 B 979 M 404 M 404 M 404 M 404 M 125 M 125 M 125 M 125 M 116 M 116 M 116 M 116 M 110 M 110 M 110 M 110 M 110 M 110 M 110 M 110 M 136 M 136 M 136 M 136 M 101 M 101 M 101 M 101 M 192 M 192 M 192 M 192 M 175 M 175 M 175 M 175 M 167 M 167 M 167 M 167 M

Book Value

3.07 B 3.06 B 2.38 B 2.27 B 2.23 B 2.18 B 2.19 B 2.13 B 2.12 B 2.11 B 2.05 B 2.05 B 2.05 B 1.61 B 1.29 B - 1.36 B 1.31 B 1.29 B 1.18 B 1.16 B 1.13 B 1.13 B 1.13 B 1.13 B 986 M 986 M 986 M 986 M 864 M 864 M 864 M 864 M 690 M 690 M 690 M 690 M 435 M 435 M 435 M 435 M 353 M 353 M 353 M 353 M 313 M 313 M 313 M 313 M 199 M 199 M 199 M 199 M 166 M 166 M 166 M 166 M 170 M 170 M 170 M 170 M

Total Shareholders Equity

2.73 B 2.72 B 2.38 B 2.27 B 2.23 B 2.18 B 2.19 B 2.13 B 2.12 B 2.11 B 2.05 B 2.05 B 2.05 B 1.61 B 1.29 B 1.33 B 1.36 B 1.31 B 1.29 B 1.18 B 1.16 B 1.13 B 1.13 B 1.13 B 1.13 B 986 M 986 M 986 M 986 M 864 M 864 M 864 M 864 M 690 M 690 M 690 M 690 M 435 M 435 M 435 M 435 M 353 M 353 M 353 M 353 M 313 M 313 M 313 M 313 M 199 M 199 M 199 M 199 M 166 M 166 M 166 M 166 M 170 M 170 M 170 M 170 M

All numbers in USD currency

Balance Sheet is a fundamental financial report of Seacoast Banking Corporation of Florida, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.

For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.

Features of balance sheet analysis
  • Vertical and horizontal analysis
    Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods.
  • Asset quality
    It is important to evaluate not only the amount of assets but also their liquidity and realizability.
  • Accounting for off-balance sheet liabilities
    Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.

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CFBK
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