BlastPoint's Banking Scorecard

Seacoast National Bank

$10B-$250B Specialty: Commercial FL FDIC cert 131

Stuart, FL

117 branches across FL · GA

135 banks in the $10B-$250B peer group nationally 6 in FL

Seacoast National Bank has 1 strength but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 0.67% below tier average
- Efficiency Ratio 0.75% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$21.1B +34.4% YoY +1.5% QoQ	-$26.2B	$47.4B -2.0% YoY	$4.3B +10.8% YoY	$6.2B +9.0% YoY	40%
Total Loans ?	$12.5B +21.0% YoY +0.1% QoQ	-$17.1B	$29.6B -0.4% YoY	$3.0B +12.4% YoY	$3.2B +10.7% YoY	32%
Total Deposits ?	$16.6B +32.3% YoY +2.4% QoQ	-$22.1B	$38.7B -1.6% YoY	$3.6B +11.7% YoY	$4.8B +8.0% YoY	39%
Return on Assets ?	0.62% -25.7% YoY -32.1% QoQ	-0.67%	1.28% +19.3% YoY	0.83% +61.5% YoY	1.24% +13.1% YoY	Bottom 8.1% in tier
Net Interest Margin ?	3.81% +8.7% YoY +2.2% QoQ	+0.05%	3.77% +5.6% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	54.65% -9.0% YoY -5.2% QoQ	+0.75%	53.90% -4.0% YoY	71.93% -25.2% YoY	66.84% -3.8% YoY	54%
Delinquency Rate ?	0.76% +10.5% YoY +31.4% QoQ	-0.26%	1.02% -4.1% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	74.99% -8.6% YoY -2.2% QoQ	-5.89%	80.88% +2.0% YoY	73.79% +1.2% YoY	76.69% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	25.15% -9.6% YoY +4.7% QoQ	+5.32%	19.82% +0.3% YoY	27.22% -2.5% YoY	22.01% -1.1% YoY	64%
Nonperforming Asset Ratio ?	0.47% -5.6% YoY +27.9% QoQ	-0.26%	0.73% +4.0% YoY	0.43% -5.1% YoY	0.66% +19.3% YoY	54%
Tier 1 Capital Ratio ?	13.87% +0.2% YoY +0.4% QoQ	-1.69%	15.56% -0.1% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.12% -7.9% YoY -73.8% QoQ	-0.11%	0.23% +0.9% YoY	0.50% +7.6% YoY	0.32% +4.0% YoY	33%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

125

Return on Assets

profitability

Value: 0.62%

Peer Median: 1.28%

#125 of 135 Bottom 8.1% in $10B-$250B