Seacoast National Bank Mortgage Rates, Fees & Info

Stuart, FL

LEI: 5493006MCOP60BBI4G97

Tax ID: 59-0193820

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Seacoast National Bank is a smaller bank specializing in Home Purchase loans. Seacoast National Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Port St. Lucie, Orlando, Miami, Deltona, and Palm Bay among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Seacoast National Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Seacoast National Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 11/17/24
    30 Year Conventional Purchase 6.50% 11/17/24
    30 Year Conventional Refi 6.39% 11/17/24
    30 Year Cash-out Refi 6.57% 11/17/24
    30 Year FHA Purchase 7.23% 11/17/24
    30 Year FHA Refi 6.27% 11/17/24
    30 Year VA Purchase 6.40% 11/17/24
    30 Year VA Refi 6.27% 11/17/24
    15 Year Conventional Purchase 6.07% 11/17/24
    15 Year Conventional Refi 6.28% 11/17/24
    15 Year Cash-out Refi 6.28% 11/17/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Seacoast National Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Seacoast National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,956

    Origination Dollar Volume (All Markets)

    $630,440,000

    Employee count

    902 Show all (13) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    PORT ST. LUCIE, FL (FHA|USDA|VA) 955 $152,945,000 $160,152 $4,724 4.78%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 544 $146,300,000 $268,934 $5,867 4.88%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 485 $99,485,000 $205,124 $5,731 4.88%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 292 $69,740,000 $238,836 $5,092 4.70%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 261 $69,605,000 $266,686 $5,304 4.68%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 133 $39,405,000 $296,278 $5,392 4.84%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 183 $29,945,000 $163,634 $5,061 4.78%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 16 $7,540,000 $471,250 $6,073 4.93%
    Okeechobee, FL (FHA|USDA|VA) 40 $4,130,000 $103,250 $4,019 5.06%
    JACKSONVILLE, FL (FHA|USDA|VA) 10 $4,060,000 $406,000 $6,853 5.18%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,815,000 $363,000 $6,442 5.25%
    Key West, FL (FHA|USDA|VA) 2 $970,000 $485,000 $5,965 4.75%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 4 $680,000 $170,000 $3,318 4.69%
    OCALA, FL (FHA|USDA|VA) 3 $555,000 $185,000 $4,769 4.92%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $505,000 $101,000 $3,355 5.13%
    PUNTA GORDA, FL (FHA|USDA|VA) 3 $505,000 $168,333 $3,217 5.33%
    TALLAHASSEE, FL (FHA|USDA|VA) 3 $485,000 $161,667 $4,445 4.83%
    Palatka, FL (FHA|USDA|VA) 1 $445,000 $445,000 $5,645 4.38%
    Clewiston, FL (FHA|USDA|VA) 3 $365,000 $121,667 $4,637 5.92%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $255,000 $255,000 $6,808 4.38%
    Arcadia, FL (FHA|USDA|VA) 2 $220,000 $110,000 $6,209 4.63%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.13%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.75%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $125,000 $125,000 $2,422 5.25%
    Outside of Metro Areas 1 $55,000 $55,000 $0 4.75%
    Seacoast National Bank's top markets include Port St. Lucie, Orlando, Miami, Deltona, and Palm Bay among others.

    Their top states include:
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Seacoast National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    McCoy Federal Credit Union
    Similarity Rank: 60
    Marine Bank & Trust Company
    Similarity Rank: 210
    We Florida Financial
    Similarity Rank: 312
    LAUNCH FEDERAL CREDIT UNION
    Similarity Rank: 378
    Natbank
    Similarity Rank: 392
    POWER FINANCIAL
    Similarity Rank: 432
    Preferred Community Bank
    Similarity Rank: 484
    SAN ANTONIO CITIZENS
    Similarity Rank: 531
    DYBN FINANCIAL CORP.
    Similarity Rank: 756
    SOUTH FLORIDA EDUCATIONAL
    Similarity Rank: 836

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 1,502 $149,500,000 $99,534 n/a 5.01%
    Conventional 1,333 $454,295,000 $340,806 $5,006 4.62%
    FHA 93 $19,115,000 $205,538 $7,137 4.36%
    VA 27 $7,505,000 $277,963 $8,382 4.32%
    FHA 1 $25,000 $25,000 $0 5.25%

    For 2018, Seacoast National Bank's most frequently originated type of loan was HELOC, with 1,502 originations. Their 2nd most popular type was Conventional, with 1,333 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,355 $438,405,000 $323,546 $5,346 4.65%
    Home Improvement 771 $67,475,000 $87,516 $5,279 5.04%
    Other 454 $44,680,000 $98,414 $3,421 5.01%
    Refi 262 $46,390,000 $177,061 $4,574 4.70%
    Cash Out Refi 114 $33,490,000 $293,772 $4,381 4.57%

    For 2018, Seacoast National Bank's most frequently cited loan purpose was Home Purchase, with 1,355 originations. The 2nd most popular reason was Home Improvement, with 771 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 1,401 $156,565,000 $111,752 $4,112 4.94%
    30 Year 1,369 $425,035,000 $310,471 $5,272 4.67%
    Other 143 $31,025,000 $216,958 $6,917 4.85%
    20 Year 35 $7,595,000 $217,000 $3,999 4.78%
    10 Year 4 $1,190,000 $297,500 $4,036 4.47%
    5 Year 3 $8,415,000 $2,805,000 $0 5.21%
    1 Year 1 $615,000 $615,000 $0 6.00%

    For 2018, Seacoast National Bank's most frequently cited loan duration was 15 Year, with 1,401 originations. The 2nd most popular length was 30 Year, with 1,369 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,197 $379,575,000 $317,105
    $2k-3k 80 $32,440,000 $405,500
    $<1k 45 $14,205,000 $315,667
    $3k-4k 26 $11,970,000 $460,385
    $5k+ 7 $4,455,000 $636,429
    $4k-5k 5 $2,505,000 $501,000

    Seacoast National Bank's average total fees were $5,272, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,197 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,845 $412,765,000 $223,721
    5-6% 598 $107,470,000 $179,716
    3-4% 348 $99,840,000 $286,897
    6-7% 109 $7,985,000 $73,257
    7-8% 49 $2,205,000 $45,000
    Over 8% 6 $150,000 $25,000

    During 2018, Seacoast National Bank's average interest rate for loans was 4.67%, while their most frequently originated rate bucket for loans was 4-5%, with 1,845 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,100 $58,760,000 $53,418 $3,183 5.10%
    $200k-400k 767 $212,635,000 $277,229 $5,080 4.63%
    $100k-200k 727 $103,225,000 $141,988 $3,845 4.69%
    $400k-600k 209 $98,715,000 $472,321 $6,160 4.59%
    $600k-1MM 117 $87,405,000 $747,051 $8,567 4.55%
    $1MM+ 36 $69,700,000 $1,936,111 $12,599 4.29%

    2018 saw Seacoast National Bank place emphasis on $100,000 or less loans with 1,100 originations, totaling $58,760,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 658 $118,760,000 $180,486 $4,970 4.78%
    $150k-250k 579 $135,195,000 $233,497 $5,441 4.83%
    $50k-75k 486 $60,680,000 $124,856 $4,464 4.88%
    $75k-100k 467 $69,485,000 $148,790 $4,841 4.85%
    $250k+ 420 $193,800,000 $461,429 $7,537 4.70%
    $50k or less 282 $25,440,000 $90,213 $3,902 4.79%

    Seacoast National Bank lent most frequently to those with incomes in the $100k-150k range, with 658 originations. The second most popular income band? $150k-250k, with 579 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 600 $127,020,000 $211,700 $5,308 4.78%
    30-36% 511 $105,695,000 $206,840 $5,106 4.80%
    <20% 224 $47,290,000 $211,116 $4,935 4.70%
    49% 138 $20,650,000 $149,638 $4,851 4.83%
    50-60% 129 $17,265,000 $133,837 $7,746 4.89%
    44% 123 $30,835,000 $250,691 $5,466 4.74%
    36% 110 $23,000,000 $209,091 $4,865 4.77%
    37% 109 $22,835,000 $209,495 $5,368 4.90%
    46% 107 $20,165,000 $188,458 $4,586 4.77%
    48% 104 $16,710,000 $160,673 $5,101 4.84%
    42% 103 $24,115,000 $234,126 $5,146 4.80%
    40% 103 $27,955,000 $271,408 $5,778 4.70%
    43% 103 $22,075,000 $214,320 $5,622 4.87%
    39% 102 $24,320,000 $238,431 $4,949 4.79%
    41% 95 $20,085,000 $211,421 $5,152 4.90%
    45% 90 $15,720,000 $174,667 $4,574 5.05%
    47% 90 $17,220,000 $191,333 $5,519 4.84%
    38% 82 $19,630,000 $239,390 $5,061 4.82%
    >60% 10 $4,970,000 $497,000 $13,589 4.54%

    Seacoast National Bank lent most frequently to those with DTI ratios of 20-30%, with 600 originations. The next most common DTI ratio? 30-36%, with 511 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,539 $531,045,000 $209,155 $5,218 4.79%
    Not provided 236 $39,240,000 $166,271 $4,677 4.91%
    Not applicable 10 $20,840,000 $2,084,000 $0 5.03%
    Black 85 $19,945,000 $234,647 $5,600 4.94%
    Asian 62 $17,200,000 $277,419 $6,526 4.89%
    Native Hawaiian or Islander 7 $955,000 $136,429 $4,872 4.52%
    American Indian 10 $690,000 $69,000 $3,082 5.66%
    Asian Indian 1 $135,000 $135,000 $3,103 4.75%
    Other Asian 2 $120,000 $60,000 $0 4.88%
    Filipino 1 $105,000 $105,000 $0 4.75%
    Other Pacific Islander 1 $75,000 $75,000 $0 4.25%
    Vietnamese 1 $65,000 $65,000 $0 4.25%
    1 $25,000 $25,000 $0 5.25%

    Approval Rates

    Total approvals of all applications
    76.25%

    Seacoast National Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    85.45%

    Seacoast National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,956 $630,440,000 $213,275

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 9 $20,365,000 $2,262,778
    Single Family (1-4 Units):Manufactured 11 $915,000 $83,182
    Single Family (1-4 Units):Site-Built 2,936 $609,160,000 $207,480

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 599 $66,735,000 $111,411 $3,907 4.88%
    40-60% 308 $79,360,000 $257,662 $4,843 4.61%
    60-80% 659 $209,045,000 $317,215 $5,004 4.63%
    80-100% 657 $231,705,000 $352,671 $5,499 4.63%
    Over 100% 9 $2,965,000 $329,444 $13,521 4.39%
    Under 20% 724 $40,630,000 $56,119 $3,373 5.16%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Seacoast National Bank 1000 East Highway 50 Clermont, FL 34711 Full Service B&M $83,066
    Seacoast National Bank 1000 N.E. Jensen Beach Blvd. Jensen Beach, FL 34957 Full Service B&M $107,639
    Seacoast National Bank 1031 West Morse Boulevard, Suite 150 Winter Park, FL 32789 Full Service B&M $165,551
    Seacoast National Bank 105 Capron Trail Viera, FL 32940 Full Service B&M $67,887
    Seacoast National Bank 1100 Southwest St. Lucie West Boulevard Port St. Lucie, FL 34986 Full Service B&M $73,195
    Seacoast National Bank 1108 South East Port St Lucie Blvd Port Saint Lucie, FL 34952 Full Service B&M $108,409
    Seacoast National Bank 1110 Roseland Road Sebastian, FL 32958 Full Service B&M $77,754
    Seacoast National Bank 11711 S.E. Federal Highway Hobe Sound, FL 33455 Full Service B&M $98,053
    Seacoast National Bank 1206 Us Highway 1 Vero Beach, FL 32960 Full Service B&M $79,481
    Seacoast National Bank 1240 W. Granada Blvd Ormond Beach, FL 32174 Full Service B&M $58,294
    Seacoast National Bank 129 East Gore Street Orlando, FL 32806 Full Service B&M $26,998
    Seacoast National Bank 13207 West Colonial Winter Garden, FL 34787 Full Service B&M $145,214
    Seacoast National Bank 1409 South Parrott Avenue Okeechobee, FL 34974 Full Service B&M $140,964
    Seacoast National Bank 150 North Orange Avenue Suite 101 Orlando, FL 32801 Full Service Retail $64,245
    Seacoast National Bank 1601 East Oak Street Arcadia, FL 34266 Full Service B&M $40,295
    Seacoast National Bank 1696 North Clyde Morris Boulevard Daytona Beach, FL 32117 Full Service B&M $66,148
    Seacoast National Bank 175 Timacuan Boulevard Lake Mary, FL 32746 Full Service B&M $90,742
    Seacoast National Bank 1790 Sw Gatlin Boulevard Saint Lucie West, FL 34953 Full Service B&M $44,423
    Seacoast National Bank 1835 Highway 441 Se Okeechobee, FL 34974 Limited, Administrative $0
    Seacoast National Bank 1901 South Us Hwy 1 Fort Pierce, FL 34950 Full Service B&M $80,757
    Seacoast National Bank 2000 Lantana Road Lantana, FL 33462 Full Service B&M $133,128
    Seacoast National Bank 2055 Palm Beach Lakes Boulevard West Palm Beach, FL 33409 Full Service B&M $87,730
    Seacoast National Bank 2601 S.W. High Meadows Avenue Palm City, FL 34990 Full Service B&M $144,515
    Seacoast National Bank 2695 State Road 434 Longwood, FL 32779 Full Service B&M $32,069
    Seacoast National Bank 2722 East Burleigh Boulevard Eustis, FL 32726 Full Service B&M $64,767
    Seacoast National Bank 2839 Clayton Crossing Way Oviedo, FL 32765 Full Service B&M $53,745
    Seacoast National Bank 2940 Cardinal Drive Vero Beach, FL 32963 Full Service B&M $70,262
    Seacoast National Bank 300 South Harbor City Boulevard Melbourne, FL 32901 Full Service B&M $112,242
    Seacoast National Bank 3001 Pga Boulevard Palm Beach Gardens, FL 33410 Full Service B&M $161,518
    Seacoast National Bank 3200 Se Federal Highway Stuart, FL 34997 Full Service B&M $107,521
    Seacoast National Bank 345 East Main Street Apopka, FL 32703 Full Service B&M $62,323
    Seacoast National Bank 3717 W Boynton Beach Blvd Boynton Beach, FL 33436 Full Service B&M $74,489
    Seacoast National Bank 3791 West 1st Street Sanford, FL 32771 Full Service B&M $68,050
    Seacoast National Bank 400 North Ashley Drive Tampa, FL 33602 Full Service B&M $72,194
    Seacoast National Bank 401 South Florida Avenue Tampa, FL 33602 Full Service B&M $178,381
    Seacoast National Bank 402 S. Macdill Avenue Tampa, FL 33609 Full Service B&M $108,232
    Seacoast National Bank 4250 South Washington Avenue Titusville, FL 32780 Full Service B&M $33,317
    Seacoast National Bank 4720 Clyde Morris Boulevard Port Orange, FL 32129 Full Service B&M $65,539
    Seacoast National Bank 541 South Orlando Avenue, Ste. 100 Maitland, FL 32751 Full Service B&M $86,606
    Seacoast National Bank 5755 S.E. Federal Highway Stuart, FL 34997 Full Service B&M $110,824
    Seacoast National Bank 585 West Indiantown Road Jupiter, FL 33458 Full Service B&M $139,934
    Seacoast National Bank 6030 20th Street Vero Beach, FL 32966 Full Service B&M $64,974
    Seacoast National Bank 6572 Conory Windermer Rd Orlando, FL 32835 Full Service B&M $45,420
    Seacoast National Bank 715 Indian Rocks Road N Belleair Bluffs, FL 33770 Full Service B&M $58,068
    Seacoast National Bank 8101 Okeechobee Boulevard West Palm Beach, FL 33411 Full Service B&M $66,217
    Seacoast National Bank 815 Colorado Avenue Stuart, FL 34994 Full Service B&M $684,562
    Seacoast National Bank 890 W. Sugarland Highway Clewiston, FL 33440 Full Service B&M $66,143
    Seacoast National Bank 965 Central Avenue Saint Petersburg, FL 33705 Full Service B&M $7,950
    Seacoast National Bank 9680 Narcoosee Road, Suite 101 Orlando, FL 32827 Full Service B&M $15,173
    Seacoast National Bank 9698 South Us 1 Port Saint Lucie, FL 34952 Full Service B&M $103,083

    For 2018, Seacoast National Bank had 50 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $241,399
    Net interest income $214,271
    Total noninterest income $51,081
    Gross Fiduciary activities income $4,183
    Service charges on deposit accounts $11,199
    Trading account gains and fees $0
    Additional Noninterest Income $35,699
    Pre-tax net operating income $91,794
    Securities gains (or losses, -) $-623
    Income before extraordinary items $70,146
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $70,146
    Minority interest net income $0
    Net income $70,146
    Sale, conversion, retirement of capital stock, net $7,823
    Net operating income $70,638

    Seacoast National Bank's gross interest income from loans was $241,399,000.
    Seacoast National Bank's net interest income from loans was $214,271,000.
    Seacoast National Bank's fee based income from loans was $11,199,000.
    Seacoast National Bank's net income from loans was $70,146,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $27,128
    Provision for credit losses $11,730
    Total noninterest expense $161,828
    Salaries and employee benefits $84,056
    Premises and equipment expense $20,139
    Additional noninterest expense $57,633
    Applicable income taxes $21,025
    Net charge-offs $6,429
    Cash dividends $0

    Seacoast National Bank's interest expense for loans was $27,128,000.
    Seacoast National Bank's payroll and benefits expense were $84,056,000.
    Seacoast National Bank's property, plant and equipment expenses $20,139,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $5,177,444
    Deposits held in domestic offices $5,177,444
    Deposits by Individuals, partnerships, and corporations $4,828,013
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $349,430
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $518,987
    Demand deposits $345,829
    Nontransaction accounts $4,658,456
    Money market deposit accounts (MMDAs) $3,238,801
    Other savings deposits (excluding MMDAs) $493,807
    Total time deposits $925,848
    Total time and savings deposits $4,831,614
    Noninterest-bearing deposits $1,569,806
    Interest-bearing deposits $3,607,638
    Retail deposits $4,764,909
    IRAs and Keogh plan accounts $61,374
    Brokered deposits $220,594
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,748,096
    Cash & Balances due from depository institutions $124,194
    Interest-bearing balances $31,952
    Total securities $1,229,985
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,804,664
    Loan and leases loss allowance $32,423
    Trading account assets $0
    Bank premises and fixed assets $71,024
    Other real estate owned $12,802
    Goodwill and other intangibles $234,351
    All other assets $271,076

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,748,096
    Total Liabilities $5,852,825
    Total deposits $5,177,444
    Interest-bearing deposits $3,607,638
    Deposits held in domestic offices $5,177,444
    % insured (estimated) $64
    Federal funds purchased and repurchase agreements $254,453
    Trading liabilities $0
    Other borrowed funds $380,000
    Subordinated debt $0
    All other liabilities $40,928

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,804,664
    Loan and leases loss allowance $32,423
    Total loans and leases (domestic) $4,837,087
    All real estate loans $3,905,930
    Real estate loans in domestic offices $3,905,930
    Construction and development loans $443,566
    Residential 1-4 family construction $265,205
    Other construction, all land development and other land $178,361
    Loans secured by nonfarm nonresidential properties $2,010,275
    Nonfarm nonresidential secured by owner-occupied properties $970,181
    Commercial real estate & other non-farm, non-residential $1,040,094
    Multifamily residential real estate $110,113
    1-4 family residential loans $1,335,133
    Farmland loans $6,843
    Loans held in foreign offices $0
    Farm loans $5,193
    Commercial and industrial loans $684,528
    To non-U.S. addressees $0
    Loans to individuals $202,175
    Credit card loans $480
    Related Plans $8,815
    Consumer Auto Loans $12,737
    Other loans to individuals $180,143
    All other loans & leases $39,261
    Loans to foreign governments and official institutions $0
    Other loans $23,813
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $13,065
    Non 1-4 family restructured loans & leases $6,170
    Total loans and leases (foreign) $0

    Seacoast National Bank had $4,804,664,000 of loans outstanding in 2018. $3,905,930,000 of loans were in real estate loans. $443,566,000 of loans were in development loans. $110,113,000 of loans were in multifamily mortgage loans. $1,335,133,000 of loans were in 1-4 family mortgage loans. $5,193,000 of loans were in farm loans. $480,000 of loans were in credit card loans. $12,737,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2,153 $705,714 $327,782
    Nonfarm, nonresidential loans - <$100k 159 $9,634 $60,591
    Nonfarm, nonresidential loans - $100-250k 640 $97,920 $153,000
    Nonfarm, nonresidential loans - $250k-1MM 1,354 $598,160 $441,773
    Commercial & Industrial, US addressed loans - <$1MM 4,474 $421,939 $94,309
    Commercial & Industrial, US addressed loans - <$100k 3,063 $95,954 $31,327
    Commercial & Industrial, US addressed loans - $100-250k 804 $106,715 $132,730
    Commercial & Industrial, US addressed loans - $250k-1MM 607 $219,270 $361,236
    Farmland loans - <$1MM 8 $1,457 $182,125
    Farmland loans - <$100k 1 $39 $39,000
    Farmland loans - $100-250k 3 $449 $149,667
    Farmland loans - $250k-1MM 4 $969 $242,250
    Agriculture operations loans - <$1MM 14 $712 $50,857
    Agriculture operations loans - <$100k 11 $427 $38,818
    Agriculture operations loans - $100-250k 3 $285 $95,000