SEACOAST BANKING CORP OF FLORIDA

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

SCHEDULE 14A

Proxy Statement Pursuant to Section 14(a) of the

Securities Exchange Act of 1934

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SEACOAST BANKING CORPORATION OF FLORIDA

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PROXY

STATEMENT

815 Colorado Avenue | Stuart, Florida 34994

NOTICE OF 2026 ANNUAL MEETING OF SHAREHOLDERS

Wednesday, May 20, 2026

10:00 a.m. Eastern Time

Seacoast Banking Corporation of Florida (“Seacoast” or the “Company”) intends to hold its

2026 Annual Meeting of Shareholders (the “Annual Meeting”) at the Hutchinson Shores Resort,

3793 NE Ocean Blvd, Jensen Beach, FL 34957, on Wednesday, May 20, 2026 at 10:00 a.m.

Eastern Time.

ITEMS OF BUSINESS

The purpose of the Annual Meeting is to vote on the following proposals:

1. Election of Directors. To elect five Class III directors (“Proposal 1”);

2. Amend the Company's Amended and Restated Articles of Incorporation to Declassify the

Company's Board of Directors. To approve the proposed amendment to the Company's

Amended and Restated Articles of Incorporation to declassify the Company's Board of

Directors ("Proposal 2");

3. Advisory (Non-binding) Vote to Approve Compensation of Named Executive Officers. To hold

an advisory vote to approve the compensation of the Company’s named executive officers

as disclosed in this proxy statement (“Proposal 3”);

4. Ratification of Appointment of Independent Auditor. To ratify the appointment of Crowe LLP

as independent auditors for Seacoast for the fiscal year ending December 31, 2026

(“Proposal 4”); and

5. Other Business. To transact such other business as may properly come before the Annual

Meeting and any adjournment or postponement thereof.

RECORD DATE

You are eligible to vote if you were a shareholder of record on the close of business on March 25,

2026, which is the record date for the Annual Meeting. This Notice of the 2026 Annual Meeting

of Shareholders and the accompanying proxy statement are sent by order of the Company’s

Board of Directors.

YOUR VOTE IS IMPORTANT

Please review the voting instructions described in this proxy statement, as well as in the notice

you received in the mail or by e-mail. By voting prior to the Annual Meeting, you will help ensure

that we have a quorum and that your preferences will be expressed on the proposals that are

being considered.

A NOTE FROM OUR CHAIRMAN AND CEO

TO OUR FELLOW SHAREHOLDERS,

CUSTOMERS, PARTNERS AND FRIENDS:

2025 was a transformative year for Seacoast—one that expanded our franchise, deployed excess

capital to enhance our earnings power, and positioned the Company to deliver stronger and more

durable shareholder returns. We advanced our strategy on multiple fronts, including completing two

strategically important acquisitions, building strong organic momentum, investing in technology

and automation, and maintaining disciplined balance sheet stewardship. Most importantly, we

executed these initiatives while remaining true to the values that have defined Seacoast for nearly

a century: relationship-based community banking, prudent risk management, and a culture

grounded in service and accountability.

We delivered strong financial performance in 2025. Highlights included above-peer organic loan

growth of 9%, driven by continued investment in our commercial banking franchise and the

continued maturation of our teams. Disciplined deposit cost management resulted in a below-peer

cost of deposits and drove a 10% expansion in net interest margin compared to the prior year. We

also improved operating leverage, with our adjusted efficiency ratio improving by more than five

points to 58%. In total, our adjusted pre-tax, pre-provision earnings increased 45% from the prior

year.

These results were achieved while maintaining industry-leading capital and liquidity, including a

Tier 1 capital ratio of 14.5% and a loan-to-deposit ratio of 78% at year-end. Our strategic focus on

relationship-based banking continues to produce a strong, low-cost core funding franchise,

supporting consistent credit discipline. We exercised that discipline during a volatile operating

environment in 2023, allowing capital to build and position Seacoast to pursue future strategic

opportunities. In 2025, we deployed our excess capital to expand our franchise in Florida. We

continue to have meaningful capital flexibility and strategic optionality—supporting organic growth,

continued investment in talent and technology, and opportunistic capital actions that can enhance

long-term shareholder value.

Building a Stronger, More Valuable Franchise

A defining feature of 2025 was the completion of two exceptional acquisitions that materially

strengthened our competitive position and expanded our long-term growth runway.

First, we completed the acquisition of Villages Bancorporation, Inc., which added a leading market

position and a high-quality, low-cost deposit franchise in one of the fastest-growing MSAs in the

country. Our partnership with The Villages® community is truly unique. Its distinctive service

model aligns closely with Seacoast’s customer-centric culture while adding meaningful scale to our

community banking and mortgage businesses. Importantly, this partnership creates a decade-plus

deposit growth opportunity that provides stable funding to profitably grow our commercial bank

over time. We believe the combination of Seacoast’s relationship-based approach, product breadth,

and strong commercial banking team with this exceptional deposit franchise creates a compelling

platform for sustained, durable earnings performance.

Second, we completed the acquisition and conversion of Heartland Bancshares, Inc., expanding our

presence in Central Florida. Heartland brought deep community roots and trusted relationships—

qualities that align closely with Seacoast’s operating philosophy. By combining Heartland’s local

strengths with Seacoast’s broader capabilities and scale, we believe we are better positioned to

serve customers, deepen relationships, and accelerate profitable growth in this market.

These transactions were executed with a disciplined approach to diligence, integration, and cultural

alignment, supported by experience gained across 16 prior acquisitions. Integration is where value

is created, and we entered each transaction with a clear plan, strong governance, and a focus on

bringing teams together around a shared mission and a consistent customer experience. We believe

we are building an organization with greater scale, stronger market positions, and improved

investment capacity—while preserving the local decision-making and relationship focus that

distinguish Seacoast.

Discipline That Supports Improved Shareholder Returns

Our strategy is designed to produce a consistent outcome: stronger profitability and improved

shareholder returns across economic cycles. In 2025, we continued to manage the balance sheet

with discipline—protecting capital, bolstering liquidity, and maintaining underwriting standards that

SHAREHOLDER

LETTER

prioritize long-term asset quality over short-term volume. In an environment where prudent risk

management remains a competitive advantage, our commitment to consistent credit discipline and

balance sheet strength is unchanged.

We also remain focused on efficiency and operating leverage. As we scale the franchise—organically

and through acquisitions—we expect to benefit from operating leverage from fixed-cost

investments as we grow further as a mid-sized bank. These benefits can support greater

investment capacity for growth, automation, and innovation.

A Culture That Sustains Performance

Our performance in 2025 was made possible by the commitment of our associates and the

strength of Seacoast’s culture. Recognition during the year—including being named among

American Banker’s “Best Banks to Work For” for the sixth consecutive year, earning Great Place To

Work® Certification for the third year in a row, and being recognized on Fortune’s Best Workplaces

for Women™ 2025 list for the third consecutive year—reflects the values, teamwork, and

accountability our teams bring to serving clients and communities every day. We value these

honors because they affirm a culture that enables us to attract, develop, and retain exceptional

talent. As a result, Seacoast has built an industry-leading commercial banking and wealth

management team that shares a disciplined, relationship-based philosophy and deep local market

expertise. Their impact is evident in our results, driving industry-leading growth in loan

outstandings and assets under management while maintaining a steadfast focus on prudent risk

management and long-term value creation. We believe our culture is a true competitive advantage

and a critical enabler of sustainable long-term growth.

Scalable Technology and Preparing an AI-Ready Infrastructure to

Drive Operating Leverage

A critical enabler of Seacoast’s long-term growth strategy is our continued investment in scalable,

enterprise-grade technology that strengthens back-office efficiency, enhances risk management,

and prepares the franchise for an increasingly AI-driven financial services landscape. Over the past

several years, we have modernized our core systems, data architecture, and operating platforms to

ensure they scale efficiently as the franchise grows. These investments are designed to drive

sustainable operating leverage by automating routine processes, improving data quality and

decision support, and enabling more consistent execution across the organization. Just as

importantly, they position Seacoast to responsibly adopt emerging AI-enabled tools over time,

enhancing productivity, insight, and customer experience while maintaining strong governance and

controls. We view technology not as a standalone initiative, but as a foundational capability that

supports scale benefits, ongoing operating leverage, and ultimately durable shareholder returns.

Entering Our 100 th Year with Strength and Momentum

As we approach Seacoast’s 100 th anniversary in 2026, we do so from a position of strength. We

have built a stronger franchise with expanded market presence, improved funding advantages, and

meaningful capital flexibility. We have demonstrated the ability to execute complex integrations

while maintaining operating discipline and customer focus. And we remain committed to growing

relationships, investing in talent and capabilities, and delivering improved returns for shareholders.

Our optimism about the future is grounded in fundamentals: a relationship-based model that has

proven resilient; a balance sheet managed with discipline; a culture that attracts and develops

exceptional teams; and a strategy that is clear and consistent. We do not measure success by a

single quarter or a single year. We measure it by building a franchise that compounds value over

time—delivering strong performance in favorable environments and remaining resilient when

conditions are less favorable.

On behalf of our Board of Directors and all of our associates, thank you for your continued

confidence in Seacoast. We are proud of what we accomplished in 2025, and we are energized by

the opportunity ahead as we enter our 100 th year of serving our customers, communities, and

shareholders.

SHAREHOLDER

LETTER

TABLE OF

CONTENTS

SEACOAST BANKING CORPORATION OF FLORIDA 1 PROXY STATEMENT 2026

Voting Information