SEACOAST BANKING CORP OF FLORIDA

For the period ended Sep 30, 2026. Filed Nov 4, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Nov 4, 2026

SBCF$34.07-0.1%Stored close · as of Nov 10, 2026

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Contents

Consolidated statements of income – months ended and

CONSOLIDATED STATEMENTS OF INCOME (Unaudited)

	Three Months Ended September 30,		Nine Months Ended September 30,
(In thousands, except per share data)	2026	2025	2026	2025
Interest and fees on loans	$197,314	$161,913	$571,206	$469,628
Interest and dividends on securities	61,729	36,019	184,394	97,946
Interest on interest-bearing deposits and other investments	3,603	4,780	13,303	12,740
Total Interest Income	262,646	202,712	768,903	580,314
Interest on deposits	45,495	43,133	134,282	127,392
Interest on time certificates	21,650	16,341	57,896	46,434
Interest on borrowed money	12,146	9,770	36,505	27,639
Total Interest Expense	79,291	69,244	228,683	201,465
Net Interest Income	183,355	133,468	540,220	378,849
Provision for credit losses	6,297	8,371	16,055	22,000
Net Interest Income after Provision for Credit Losses	177,058	125,097	524,165	356,849
Noninterest income:
Service charges on deposit accounts	7,088	6,194	21,045	16,914
Wealth management income	6,094	4,578	17,839	13,022
Mortgage banking income	4,739	517	9,649	1,606
Interchange income	2,258	2,008	6,418	5,710
Insurance agency income	1,847	1,481	4,973	4,390
BOLI income	2,647	3,875	7,873	9,723
Other	7,468	6,006	19,095	19,760
Total Noninterest Income Before Securities (Losses) Gains, Net	32,141	24,659	86,892	71,125
Securities losses, net	(539)	(841)	(40,126)	(606)
Total Noninterest Income	31,602	23,818	46,766	70,519
Noninterest expense:
Salaries and employee benefits	63,441	53,697	189,201	157,350
Outsourced data processing costs	12,465	9,337	36,702	26,366
Occupancy	9,385	7,627	28,211	22,460
Furniture and equipment	3,150	2,233	8,774	6,486
Marketing	3,515	2,509	10,507	8,215
Legal and professional fees	2,726	1,674	8,376	6,485
FDIC assessments	3,126	2,414	9,080	6,716
Amortization of intangibles	9,934	6,005	29,992	16,445
OREO expense and net loss (gain) on sale	497	(346)	645	(97)
Provision for credit losses on unfunded commitments	150	150	450	450
Merger and integration costs	15,506	10,808	32,400	14,281
Other	9,430	5,879	24,268	19,157
Total Noninterest Expense	133,325	101,987	378,606	284,314
Income Before Income Taxes	75,335	46,928	192,325	143,054
Provision for income tax expense	15,467	10,461	41,027	32,436
Net Income	59,868	36,467	151,298	110,618
Preferred dividends	2,138	—	6,414	—
Net income available to common shareholders	$57,730	$36,467	$144,884	$110,618

Net income per share of common stock
Diluted	$0.55	$0.42	$1.39	$1.28
Basic	0.56	0.42	1.40	1.30
Average common shares outstanding
Diluted	97,237	87,425	97,487	86,154
Basic	96,269	86,619	96,514	85,398

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