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

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  • 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.) Their top markets by origination volume include: Port St. Lucie, Orlando, Miami, Deltona, and North Port among others. We have data for 28 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

    2,734

    Origination Dollar Volume (All Markets)

    $560,020,000

    Employee count

    878 Show all (5) 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) 877 $139,965,000 $159,595 $4,548 4.89%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 585 $130,505,000 $223,085 $5,054 5.06%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 414 $94,040,000 $227,150 $5,615 5.18%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 282 $62,290,000 $220,887 $4,568 4.64%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $30,015,000 $4,287,857 $5,032 4.39%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 209 $28,155,000 $134,713 $4,227 4.99%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 109 $25,615,000 $235,000 $4,688 5.03%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 133 $20,575,000 $154,699 $4,253 5.01%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $12,265,000 $4,088,333 $5,072 4.08%
    JACKSONVILLE, FL (FHA|USDA|VA) 15 $5,145,000 $343,000 $6,113 4.36%
    Okeechobee, FL (FHA|USDA|VA) 37 $3,335,000 $90,135 $3,564 5.26%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 13 $1,685,000 $129,615 $3,617 5.37%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $1,660,000 $207,500 $6,636 5.27%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 9 $975,000 $108,333 $3,765 4.67%
    THE VILLAGES, FL (FHA|USDA|VA) 6 $720,000 $120,000 $3,323 4.40%
    Clewiston, FL (FHA|USDA|VA) 4 $640,000 $160,000 $6,688 4.84%
    GAINESVILLE, FL (FHA|USDA|VA) 4 $550,000 $137,500 $3,542 4.19%
    OCALA, FL (FHA|USDA|VA) 5 $465,000 $93,000 $4,469 5.33%
    Key West, FL (FHA|USDA|VA) 3 $425,000 $141,667 $3,640 5.88%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $260,000 $130,000 $3,585 4.44%
    Palatka, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.75%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $145,000 $145,000 $4,444 4.63%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $130,000 $65,000 $3,323 4.63%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $115,000 $115,000 $3,842 3.75%
    Outside of Metro Areas 1 $65,000 $65,000 $0 8.00%
    Wauchula, FL (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.25%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.25%
    Arcadia, FL (FHA|USDA|VA) 1 $15,000 $15,000 $0 11.50%
    Seacoast National Bank's top markets include Port St. Lucie, Orlando, Miami, Deltona, and North Port 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.

    POWER FINANCIAL
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    Similarity Rank: 342
    LAUNCH FEDERAL CREDIT UNION
    Similarity Rank: 441
    We Florida Financial
    Similarity Rank: 572
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    Similarity Rank: 755
    COMMUNITY CREDIT UNION OF FLORIDA
    Similarity Rank: 927
    SOUTH FLORIDA EDUCATIONAL
    Similarity Rank: 940
    RAILROAD & INDUSTRIAL
    Similarity Rank: 1056
    Citizens First Bank
    Similarity Rank: 1072
    WILLIAM RAVEIS MORTGAGE, LLC
    Similarity Rank: 1080

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 1,562 $177,490,000 $113,630 n/a 5.57%
    Conventional 1,068 $356,200,000 $333,521 $4,422 4.21%
    FHA 67 $14,915,000 $222,612 $7,571 3.87%
    VA 37 $11,415,000 $308,514 $7,850 3.68%

    For 2019, Seacoast National Bank's most frequently originated type of loan was HELOC, with 1,562 originations. Their 2nd most popular type was Conventional, with 1,068 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 960 $267,480,000 $278,625 $4,974 4.41%
    Home Improvement 873 $83,855,000 $96,054 $3,690 5.54%
    Other 378 $39,110,000 $103,466 $4,028 5.73%
    Refi 348 $102,720,000 $295,172 $4,010 4.68%
    Cash Out Refi 175 $66,855,000 $382,029 $4,247 4.15%

    For 2019, Seacoast National Bank's most frequently cited loan purpose was Home Purchase, with 960 originations. The 2nd most popular reason was Home Improvement, with 873 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,307 $326,125,000 $249,522 $4,834 4.52%
    15 Year 1,244 $153,320,000 $123,248 $3,881 5.41%
    Other 133 $25,455,000 $191,391 $800 5.41%
    20 Year 30 $5,270,000 $175,667 $3,638 4.65%
    10 Year 11 $3,185,000 $289,545 $5,517 4.70%
    5 Year 7 $46,285,000 $6,612,143 $0 4.46%
    3 Year 1 $75,000 $75,000 $0 6.80%
    30+ year 1 $305,000 $305,000 $3,256 3.50%

    For 2019, Seacoast National Bank's most frequently cited loan duration was 30 Year, with 1,307 originations. The 2nd most popular length was 15 Year, with 1,244 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 995 $273,465,000 $274,839
    $2k-3k 64 $18,430,000 $287,969
    $<1k 56 $12,490,000 $223,036
    $3k-4k 11 $5,055,000 $459,545
    $5k+ 8 $3,290,000 $411,250
    $4k-5k 6 $3,010,000 $501,667

    Seacoast National Bank's average total fees were $4,834, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 995 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,067 $243,985,000 $228,664
    3-4% 627 $197,925,000 $315,670
    5-6% 596 $82,580,000 $138,557
    6-7% 335 $28,075,000 $83,806
    7-8% 70 $4,810,000 $68,714
    Over 8% 32 $1,230,000 $38,438
    2.5-3% 7 $1,415,000 $202,143

    During 2019, Seacoast National Bank's average interest rate for loans was 4.52%, while their most frequently originated rate bucket for loans was 4-5%, with 1,067 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,032 $56,200,000 $54,457 $3,194 5.68%
    $100k-200k 758 $105,270,000 $138,879 $3,733 4.73%
    $200k-400k 715 $192,185,000 $268,790 $4,914 4.36%
    $400k-600k 149 $69,035,000 $463,322 $5,912 4.37%
    $600k-1MM 48 $36,340,000 $757,083 $8,105 4.70%
    $1MM+ 32 $100,990,000 $3,155,938 $12,376 4.47%

    2019 saw Seacoast National Bank place emphasis on $100,000 or less loans with 1,032 originations, totaling $56,200,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 563 $95,265,000 $169,210 $4,761 5.00%
    $150k-250k 498 $97,290,000 $195,361 $5,053 5.04%
    $50k-75k 490 $61,790,000 $126,102 $4,177 4.92%
    $75k-100k 446 $66,000,000 $147,982 $4,585 4.99%
    $250k+ 365 $139,845,000 $383,137 $6,516 4.97%
    $50k or less 311 $30,205,000 $97,122 $3,698 4.89%

    Seacoast National Bank lent most frequently to those with incomes in the $100k-150k range, with 563 originations. The second most popular income band? $150k-250k, with 498 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 554 $93,850,000 $169,404 $4,415 4.92%
    30-36% 426 $77,590,000 $182,136 $4,528 4.95%
    <20% 305 $68,805,000 $225,590 $5,069 4.86%
    50-60% 204 $25,910,000 $127,010 $6,732 5.46%
    49% 102 $19,720,000 $193,333 $4,996 5.15%
    42% 99 $18,775,000 $189,646 $4,689 4.70%
    44% 98 $20,680,000 $211,020 $4,881 4.79%
    43% 93 $18,545,000 $199,409 $4,776 4.83%
    40% 89 $17,995,000 $202,191 $5,085 5.13%
    47% 88 $15,580,000 $177,045 $4,347 4.96%
    38% 86 $17,690,000 $205,698 $5,096 4.89%
    48% 86 $14,090,000 $163,837 $4,626 5.07%
    39% 86 $15,300,000 $177,907 $4,730 4.96%
    45% 84 $13,060,000 $155,476 $4,704 5.00%
    36% 81 $15,175,000 $187,346 $4,568 4.91%
    41% 76 $14,910,000 $196,184 $4,741 5.16%
    46% 68 $10,510,000 $154,559 $5,159 4.98%
    37% 65 $12,015,000 $184,846 $4,514 4.75%
    >60% 8 $2,220,000 $277,500 $6,170 5.09%

    Seacoast National Bank lent most frequently to those with DTI ratios of 20-30%, with 554 originations. The next most common DTI ratio? 30-36%, with 426 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,344 $424,480,000 $181,092 $4,697 4.97%
    Not applicable 22 $64,870,000 $2,948,636 $0 4.86%
    Not provided 226 $45,420,000 $200,973 $4,835 4.91%
    Asian 57 $13,495,000 $236,754 $4,902 5.06%
    Black 66 $8,280,000 $125,455 $4,673 5.30%
    Asian Indian 6 $1,310,000 $218,333 $5,078 4.96%
    Other Asian 3 $1,215,000 $405,000 $6,694 4.46%
    American Indian 5 $655,000 $131,000 $3,732 5.03%
    Filipino 1 $105,000 $105,000 $0 5.00%
    Korean 1 $75,000 $75,000 $0 4.00%
    Native Hawaiian or Islander 1 $45,000 $45,000 $0 6.25%
    Other Pacific Islander 1 $35,000 $35,000 $0 7.25%
    1 $35,000 $35,000 $0 5.00%

    Approval Rates

    Total approvals of all applications
    79.36%

    Seacoast National Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    81.86%

    Seacoast National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,734 $560,020,000 $204,835

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 14 $62,960,000 $4,497,143
    Single Family (1-4 Units):Manufactured 12 $980,000 $81,667
    Single Family (1-4 Units):Site-Built 2,708 $496,080,000 $183,191

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 634 $78,880,000 $124,416 $3,734 5.24%
    40-60% 344 $92,080,000 $267,674 $4,019 4.62%
    60-80% 605 $217,795,000 $359,992 $4,659 4.40%
    80-100% 420 $122,450,000 $291,548 $5,177 4.24%
    Over 100% 8 $2,330,000 $291,250 $10,985 3.72%
    Under 20% 723 $46,485,000 $64,295 $3,614 5.82%

    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 $176,373
    Seacoast National Bank 1000 N.E. Jensen Beach Blvd. Jensen Beach, FL 34957 Full Service B&M $122,368
    Seacoast National Bank 1031 West Morse Boulevard, Suite 150 Winter Park, FL 32789 Full Service B&M $264,087
    Seacoast National Bank 105 Capron Trail Viera, FL 32940 Full Service B&M $66,577
    Seacoast National Bank 1100 Southwest St. Lucie West Boulevard Port St. Lucie, FL 34986 Full Service B&M $78,770
    Seacoast National Bank 1108 South East Port St Lucie Blvd Port Saint Lucie, FL 34952 Full Service B&M $120,897
    Seacoast National Bank 1110 Roseland Road Sebastian, FL 32958 Full Service B&M $84,351
    Seacoast National Bank 11711 S.E. Federal Highway Hobe Sound, FL 33455 Full Service B&M $97,709
    Seacoast National Bank 12 Se 12th Street, Ste 101 Fort Lauderdale, FL 33316 Full Service B&M $75,612
    Seacoast National Bank 1206 Us Highway 1 Vero Beach, FL 32960 Full Service B&M $84,921
    Seacoast National Bank 13207 West Colonial Winter Garden, FL 34787 Full Service B&M $141,836
    Seacoast National Bank 1409 South Parrott Avenue Okeechobee, FL 34974 Full Service B&M $143,334
    Seacoast National Bank 1601 East Oak Street Arcadia, FL 34266 Full Service B&M $48,635
    Seacoast National Bank 1696 North Clyde Morris Boulevard Daytona Beach, FL 32117 Full Service B&M $69,709
    Seacoast National Bank 175 Timacuan Boulevard Lake Mary, FL 32746 Full Service B&M $111,188
    Seacoast National Bank 175 W. Granada Boulevard Ormond Beach, FL 32174 Full Service B&M $110,257
    Seacoast National Bank 1790 Sw Gatlin Boulevard Saint Lucie West, FL 34953 Full Service B&M $51,403
    Seacoast National Bank 18251 Us Highway 441 Mount Dora, FL 32757 Full Service B&M $126,487
    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 $128,904
    Seacoast National Bank 2000 Lantana Road Lantana, FL 33462 Full Service B&M $136,123
    Seacoast National Bank 2055 Palm Beach Lakes Boulevard West Palm Beach, FL 33409 Full Service B&M $79,894
    Seacoast National Bank 250 N Orange Avenue Orlando, FL 32801 Full Service B&M $187,036
    Seacoast National Bank 2601 S.W. High Meadows Avenue Palm City, FL 34990 Full Service B&M $160,739
    Seacoast National Bank 2695 State Road 434 Longwood, FL 32779 Full Service B&M $74,334
    Seacoast National Bank 2722 East Burleigh Boulevard Eustis, FL 32726 Full Service B&M $69,529
    Seacoast National Bank 2839 Clayton Crossing Way Oviedo, FL 32765 Full Service B&M $57,144
    Seacoast National Bank 2940 Cardinal Drive Vero Beach, FL 32963 Full Service B&M $66,218
    Seacoast National Bank 300 South Harbor City Boulevard Melbourne, FL 32901 Full Service B&M $120,386
    Seacoast National Bank 3001 Pga Boulevard Palm Beach Gardens, FL 33410 Full Service B&M $177,710
    Seacoast National Bank 3200 Se Federal Highway Stuart, FL 34997 Full Service B&M $112,064
    Seacoast National Bank 345 East Main Street Apopka, FL 32703 Full Service B&M $87,341
    Seacoast National Bank 3717 W Boynton Beach Blvd Boynton Beach, FL 33436 Full Service B&M $57,989
    Seacoast National Bank 3791 West 1st Street Sanford, FL 32771 Full Service B&M $70,612
    Seacoast National Bank 400 North Ashley Drive Tampa, FL 33602 Full Service B&M $199,229
    Seacoast National Bank 402 S. Macdill Avenue Tampa, FL 33609 Full Service B&M $102,305
    Seacoast National Bank 4250 South Washington Avenue Titusville, FL 32780 Full Service B&M $41,432
    Seacoast National Bank 4720 Clyde Morris Boulevard Port Orange, FL 32129 Full Service B&M $63,787
    Seacoast National Bank 541 South Orlando Avenue, Ste. 100 Maitland, FL 32751 Full Service B&M $87,607
    Seacoast National Bank 5755 S.E. Federal Highway Stuart, FL 34997 Full Service B&M $127,010
    Seacoast National Bank 585 West Indiantown Road Jupiter, FL 33458 Full Service B&M $145,387
    Seacoast National Bank 6030 20th Street Vero Beach, FL 32966 Full Service B&M $74,236
    Seacoast National Bank 6572 Conory Windermer Rd Orlando, FL 32835 Full Service B&M $73,412
    Seacoast National Bank 715 Indian Rocks Road N Belleair Bluffs, FL 33770 Full Service B&M $49,289
    Seacoast National Bank 8101 Okeechobee Boulevard West Palm Beach, FL 33411 Full Service B&M $57,640
    Seacoast National Bank 815 Colorado Avenue Stuart, FL 34994 Full Service B&M $758,448
    Seacoast National Bank 890 W. Sugarland Highway Clewiston, FL 33440 Full Service B&M $70,119
    Seacoast National Bank 965 Central Avenue Saint Petersburg, FL 33705 Full Service B&M $12,458
    Seacoast National Bank 9680 Narcoosee Road, Suite 101 Orlando, FL 32827 Full Service B&M $17,458
    Seacoast National Bank 9698 South Us 1 Port Saint Lucie, FL 34952 Full Service B&M $100,918

    For 2019, Seacoast National Bank had 50 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $289,823
    Net interest income $246,393
    Total noninterest income $56,267
    Gross Fiduciary activities income $4,442
    Service charges on deposit accounts $11,529
    Trading account gains and fees $0
    Additional Noninterest Income $40,296
    Pre-tax net operating income $130,941
    Securities gains (or losses, -) $1,218
    Income before extraordinary items $101,533
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $101,533
    Minority interest net income $0
    Net income $101,533
    Sale, conversion, retirement of capital stock, net $7,244
    Net operating income $100,570

    Seacoast National Bank's gross interest income from loans was $289,823,000.
    Seacoast National Bank's net interest income from loans was $246,393,000.
    Seacoast National Bank's fee based income from loans was $11,529,000.
    Seacoast National Bank's net income from loans was $101,533,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $43,430
    Provision for credit losses $10,999
    Total noninterest expense $160,720
    Salaries and employee benefits $87,526
    Premises and equipment expense $20,528
    Additional noninterest expense $52,666
    Applicable income taxes $30,626
    Net charge-offs $8,268
    Cash dividends $0

    Seacoast National Bank's interest expense for loans was $43,430,000.
    Seacoast National Bank's payroll and benefits expense were $87,526,000.
    Seacoast National Bank's property, plant and equipment expenses $20,528,000.

    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 1.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    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 $5,584,827
    Deposits held in domestic offices $5,584,827
    Deposits by Individuals, partnerships, and corporations $5,197,564
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $380,523
    Deposits by Commercial banks and other depository institutions in U.S. $6,741
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $738,204
    Demand deposits $596,682
    Nontransaction accounts $4,846,624
    Money market deposit accounts (MMDAs) $3,142,459
    Other savings deposits (excluding MMDAs) $519,152
    Total time deposits $1,185,013
    Total time and savings deposits $4,988,146
    Noninterest-bearing deposits $1,590,568
    Interest-bearing deposits $3,994,259
    Retail deposits $4,904,651
    IRAs and Keogh plan accounts $62,370
    Brokered deposits $472,857
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $7,108,356
    Cash & Balances due from depository institutions $128,273
    Interest-bearing balances $38,430
    Total securities $1,214,616
    Federal funds sold & reverse repurchase $0
    Net loans and leases $5,183,279
    Loan and leases loss allowance $35,154
    Trading account assets $0
    Bank premises and fixed assets $92,780
    Other real estate owned $12,390
    Goodwill and other intangibles $228,972
    All other assets $248,046

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $7,108,356
    Total Liabilities $6,104,763
    Total deposits $5,584,827
    Interest-bearing deposits $3,994,259
    Deposits held in domestic offices $5,584,827
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $139,100
    Trading liabilities $0
    Other borrowed funds $345,098
    Subordinated debt $0
    All other liabilities $35,738

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $5,183,279
    Loan and leases loss allowance $35,154
    Total loans and leases (domestic) $5,218,433
    All real estate loans $4,225,819
    Real estate loans in domestic offices $4,225,819
    Construction and development loans $325,113
    Residential 1-4 family construction $181,665
    Other construction, all land development and other land $143,448
    Loans secured by nonfarm nonresidential properties $2,183,453
    Nonfarm nonresidential secured by owner-occupied properties $1,034,963
    Commercial real estate & other non-farm, non-residential $1,148,490
    Multifamily residential real estate $168,565
    1-4 family residential loans $1,526,385
    Farmland loans $22,303
    Loans held in foreign offices $0
    Farm loans $1,429
    Commercial and industrial loans $733,837
    To non-U.S. addressees $0
    Loans to individuals $207,613
    Credit card loans $376
    Related Plans $9,803
    Consumer Auto Loans $15,231
    Other loans to individuals $182,203
    All other loans & leases $49,735
    Loans to foreign governments and official institutions $0
    Other loans $27,907
    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 $11,020
    Non 1-4 family restructured loans & leases $5,073
    Total loans and leases (foreign) $0

    Seacoast National Bank had $5,183,279,000 of loans outstanding in 2019. $4,225,819,000 of loans were in real estate loans. $325,113,000 of loans were in development loans. $168,565,000 of loans were in multifamily mortgage loans. $1,526,385,000 of loans were in 1-4 family mortgage loans. $1,429,000 of loans were in farm loans. $376,000 of loans were in credit card loans. $15,231,000 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 2,175 $735,761 $338,281
    Nonfarm, nonresidential loans - <$100k 139 $9,344 $67,223
    Nonfarm, nonresidential loans - $100-250k 625 $94,670 $151,472
    Nonfarm, nonresidential loans - $250k-1MM 1,411 $631,747 $447,730
    Commercial & Industrial, US addressed loans - <$1MM 4,773 $376,677 $78,918
    Commercial & Industrial, US addressed loans - <$100k 3,183 $95,671 $30,057
    Commercial & Industrial, US addressed loans - $100-250k 903 $92,443 $102,373
    Commercial & Industrial, US addressed loans - $250k-1MM 687 $188,563 $274,473
    Farmland loans - <$1MM 20 $5,178 $258,900
    Farmland loans - <$100k 1 $28 $28,000
    Farmland loans - $100-250k 4 $699 $174,750
    Farmland loans - $250k-1MM 15 $4,451 $296,733
    Agriculture operations loans - <$1MM 14 $515 $36,786
    Agriculture operations loans - <$100k 11 $286 $26,000
    Agriculture operations loans - $100-250k 2 $225 $112,500
    Agriculture operations loans - $250k-1MM 1 $4 $4,000