SEACOAST BANKING CORP OF FLORIDA

For the period ended Dec 31, 2025. Filed Feb 27, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 27, 2026

SBCF$34.12+1.7%Stored close · as of Nov 9, 2026

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Contents

Glossary of Defined Terms

Glossary of Defined Terms
Term	Definition	Term	Definition
ACH	Automated clearing house	FinCEN	Financial Crimes Enforcement Network
ACL	Allowance for credit losses	FRB	Federal Reserve Board
AFS	Available-for-sale	FTE	Fully taxable equivalent
AI	Artificial intelligence	GAAP	Accounting principles generally accepted in the United States of America
AML	Anti-money laundering	Heartland	Heartland Bancshares, Inc.
AOCI	Accumulated other comprehensive income (loss)	HELOC	Home equity line of credit
ARM	Adjustable-rate mortgage	HTM	Held-to-maturity
ASC	Accounting Standards Codification	IRLC	Interest Rate Lock Commitment
ASU	Accounting Standards Update	ITC	Information Technology Committee
ATM	Automated teller machine	LIHTC	Low income housing tax credit
BHC	Bank Holding Company	LTV	Loan-to-value
BOLI	Bank owned life insurance	Moody's	Moody's Analytics
CDI	Core deposit intangibles	MSA	Metropolitan statistical area
CECL	Current expected credit losses	MSR	Mortgage servicing rights
CEO	Chief Executive Officer	NASDAQ	NASDAQ Global Select Market
CET1	Common equity tier 1	NAV	Net Asset Value
CFO	Chief Financial Officer	NIST	National Institute of Standards and Technology
CFPB	Consumer Financial Protection Bureau	NPA	Nonperforming asset
CISO	Chief Information Security Office	OCC	Office of the Comptroller of the Currency
CLO	Collateralized loan obligations	OFAC	Office of Foreign Assets Control
CRA	Community Reinvestment Act	OREO	Other real estate owned
CRE	Commercial Real Estate	PCAOB	Public Company Accounting Oversight Board
CODM	Chief operating decision maker	PCD	Purchased credit deteriorated
CRO	Chief Risk Officer	PPP	Paycheck Protection Program
DIF	Deposit Insurance Fund	Professional	Professional Holding Corp.
Dodd-Frank Act	Dodd-Frank Wall Street Reform and Consumer Protection Act	REIT	Real estate investment trust
DOJ	Department of Justice	ROA	Return on average assets
DTA	Deferred tax asset	ROE	Return on average equity
ECOA	Equal Credit Opportunity Act	ROTE	Return on average tangible equity
EPS	Earnings per share	ROUA	Right-of-use asset
ERM	Enterprise Risk Management	RSA	Restricted stock award
ERMC	Enterprise Risk Management Committee	RSU	Restricted stock unit
ESG	Environmental, social and governance	SBA	Small Business Administration
ESPP	Employee Stock Purchase Plan	SBIC	Small business investment companies
EVE	Economic value of equity	SEC	Securities and Exchange Commission
FASB	Financial Accounting Standards Board	SERP	Supplemental Executive Retirement Plan
FDIC	Federal Deposit Insurance Corporation	SOFR	Secured Overnight Financing Rate
FDICIA	Federal Deposit Insurance Corporation Improvement Act of 1991	TBA	To-Be-Announced
FFIEC	Federal Financial Institution Examination Council	TBM	Troubled borrower modification
FHLB	Federal Home Loan Bank	VBI	Villages Bancorporation, Inc.
FHA	Fair Housing Act	XBRL	eXtensible Business Reporting Language
FICO	Fair Isaac Corporation (credit score)

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.