BlastPoint's Banking Scorecard

Seacoast National Bank

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

Stuart, FL

118 branches across FL · GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 7 in FL.
Deposits +34.4% year over year ($16.8B on the books).
Delinquency rate 0.67%.
Return on assets 0.88%.
Efficiency ratio 54.17% vs a 53.67% peer average.
Loan-to-deposit ratio 77.27% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 7 in FL

View $10B-$250B leaderboard (FL) →

Seacoast National Bank has 1 strength but faces 4 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 0.35% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 38.8% in tier
- ROA 0.51% below tier average
- Net Interest Margin 0.09% below tier average
- Efficiency Ratio 0.50% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$21.3B +33.9% YoY +1.0% QoQ	-$22.3B	$43.6B -13.8% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	42%
Total Loans ?	$13.0B +23.9% YoY +4.0% QoQ	-$15.0B	$28.0B -8.6% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$16.8B +34.4% YoY +0.9% QoQ	-$18.6B	$35.4B -14.0% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	41%
Return on Assets ?	0.88% -9.2% YoY +42.9% QoQ	-0.51%	1.39% +25.9% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	Bottom 13.7% in tier
Net Interest Margin ?	3.83% +6.9% YoY +0.5% QoQ	-0.09%	3.92% +8.9% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	64%
Efficiency Ratio ?	54.17% -6.9% YoY -0.9% QoQ	+0.50%	53.67% -1.9% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	55%
Delinquency Rate ?	0.67% +8.3% YoY -12.4% QoQ	-0.35%	1.01% -2.8% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	77.27% -7.8% YoY +3.0% QoQ	-5.34%	82.61% +3.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	72%
Non-Interest-Bearing Deposit Share ?	25.14% -7.1% YoY -0.0% QoQ	+4.56%	20.58% +4.9% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	64%
Nonperforming Asset Ratio ?	0.42% -3.7% YoY -10.2% QoQ	-0.31%	0.73% +5.8% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	60%
Tier 1 Capital Ratio ?	13.55% -1.1% YoY -2.3% QoQ	-1.80%	15.35% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.24% -11.7% YoY +103.5% QoQ	-0.25%	0.50% +10.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	32%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Noninterest-Bearing	25.1% -1.9pp YoY 0.0pp QoQ	+4.1pp	21.0%	27.7%	22.2%	62%
Brokered Deposits	3.6% -0.5pp YoY +2.4pp QoQ	-5.6pp	9.2%	8.7%	8.5%	37%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	15.3% +0.6pp YoY -0.1pp QoQ	-1.8pp	17.2%	12.9%	12.5%	50%
CRE	54.0% -1.6pp YoY +0.1pp QoQ	+11.9pp	42.0%	50.6%	41.4%	70%
1-4 Family	26.5% -0.6pp YoY -0.4pp QoQ	+3.4pp	23.1%	30.7%	31.3%	69%
Consumer	1.5% -0.3pp YoY 0.0pp QoQ	-11.4pp	12.9%	3.7%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	13.6% -0.1pp YoY -0.3pp QoQ	-1.7pp	15.3%	19.8%	19.7%	60%
Leverage Ratio	9.8% -0.5pp YoY 0.0pp QoQ	-0.6pp	10.4%	13.9%	12.6%	41%
Total Capital Ratio	14.8% -0.1pp YoY -0.3pp QoQ	-1.7pp	16.5%	21.1%	20.8%	60%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	1,935 +441 (+29.5%) YoY +14 (+0.7%) QoQ	-1,323	3,258	295	482	48%
Assets per Employee ($)	$11.0M +3.4% YoY +0.2% QoQ	-$16.0M	$27.0M	$10.3M	$8.8M	41%
Branch Count	118 +27 (+29.7%) YoY +1 (+0.9%) QoQ	-20	137	13	18	60%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.3%	0.4%	n/a
Nonaccrual	0.7% +0.1pp YoY -0.1pp QoQ	-0.1pp	0.7%	0.7%	1.0%	53%
Allowance Coverage	2.10x -4.6% YoY +13.4% QoQ	-0.71x	2.81x	16.62x	20.23x	62%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.2%	0.2%	38%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	6.1% -0.7pp YoY +1.9pp QoQ	-6.5pp	12.6%	9.3%	11.6%	9%
Cost of Funds (YTD)	1.6% -0.3pp YoY 0.0pp QoQ	-0.4pp	2.0%	1.8%	1.7%	29%
Net Income ($, YTD)	$92.7M +22.8% YoY — QoQ	-$204.1M	$296.8M	$25.2M	$40.4M	27%

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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 (1)

Credit Quality Pressure

risk

#27 of 67 • Bottom 38.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.67%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 139 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

121

Return on Assets

profitability

Value: 0.88%

Peer Median: 1.39%

#121 of 139 Bottom 13.7% in $10B-$250B