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 Refi and 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 Tampa among others. We have data for 29 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 a low 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

    3,645

    Origination Dollar Volume (All Markets)

    $818,325,000

    Employee count

    965 Show all (15) 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) 1,104 $226,420,000 $205,091 $4,160 3.30%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 829 $208,945,000 $252,045 $4,351 3.37%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 605 $139,285,000 $230,223 $4,552 3.43%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 279 $60,705,000 $217,581 $4,484 3.23%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 215 $52,075,000 $242,209 $4,275 3.25%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 179 $44,395,000 $248,017 $4,506 3.29%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 203 $29,125,000 $143,473 $3,743 3.52%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 17 $10,945,000 $643,824 $4,110 3.87%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 46 $10,830,000 $235,435 $4,249 3.07%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 20 $6,390,000 $319,500 $5,622 3.03%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 20 $6,040,000 $302,000 $4,609 3.13%
    Key West, FL (FHA|USDA|VA) 12 $4,360,000 $363,333 $7,023 3.54%
    JACKSONVILLE, FL (FHA|USDA|VA) 17 $4,305,000 $253,235 $3,801 3.68%
    Okeechobee, FL (FHA|USDA|VA) 42 $4,270,000 $101,667 $4,504 3.73%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,865,000 $373,000 $6,297 3.03%
    OCALA, FL (FHA|USDA|VA) 6 $1,600,000 $266,667 $3,787 3.48%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 7 $1,225,000 $175,000 $3,689 3.38%
    PUNTA GORDA, FL (FHA|USDA|VA) 7 $1,165,000 $166,429 $4,685 3.00%
    GAINESVILLE, FL (FHA|USDA|VA) 5 $995,000 $199,000 $3,847 3.15%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $595,000 $198,333 $3,285 2.88%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $590,000 $147,500 $4,033 3.19%
    Arcadia, FL (FHA|USDA|VA) 4 $570,000 $142,500 $3,200 3.03%
    Clewiston, FL (FHA|USDA|VA) 6 $520,000 $86,667 $8,791 4.52%
    Palatka, FL (FHA|USDA|VA) 2 $400,000 $200,000 $4,327 2.69%
    Outside of Metro Areas 3 $345,000 $115,000 $3,599 3.38%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $150,000 $75,000 $0 3.88%
    Lake City, FL (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.50%
    Wauchula, FL (FHA|USDA|VA) 1 $75,000 $75,000 $3,185 2.50%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.75%
    Seacoast National Bank's top markets include Port St. Lucie, Orlando, Miami, Deltona, and Tampa 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.

    DADE COUNTY FEDERAL CREDIT UNION
    Similarity Rank: 304
    METROPLEX MORTGAGE SERVICES, INC.
    Similarity Rank: 372
    We Florida Financial
    Similarity Rank: 638
    POWER FINANCIAL
    Similarity Rank: 870
    HARBORONE MORTGAGE, LLC
    Similarity Rank: 935
    THE MONEY HOUSE INC.
    Similarity Rank: 946
    SAN ANTONIO CITIZENS
    Similarity Rank: 1170
    NEAL COMMUNITIES FUNDING, LLC
    Similarity Rank: 1412
    COMMUNITY CREDIT UNION OF FLORIDA
    Similarity Rank: 1430
    Citizens First Bank
    Similarity Rank: 1752

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,973 $600,925,000 $304,574 $4,136 3.02%
    HELOC 1,592 $197,550,000 $124,089 n/a 3.77%
    FHA 62 $14,580,000 $235,161 $8,153 2.98%
    VA 18 $5,270,000 $292,778 $9,095 2.76%

    For 2020, Seacoast National Bank's most frequently originated type of loan was Conventional, with 1,973 originations. Their 2nd most popular type was HELOC, with 1,592 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,058 $288,110,000 $272,316 $3,700 3.01%
    Home Purchase 930 $278,910,000 $299,903 $5,119 3.27%
    Home Improvement 912 $93,960,000 $103,026 $3,916 3.77%
    Cash Out Refi 443 $120,695,000 $272,449 $4,110 3.06%
    Other 302 $36,650,000 $121,358 $4,312 3.88%

    For 2020, Seacoast National Bank's most frequently cited loan purpose was Refi, with 1,058 originations. The 2nd most popular reason was Home Purchase, with 930 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,894 $514,870,000 $271,843 $4,417 3.18%
    15 Year 1,560 $235,330,000 $150,853 $3,906 3.52%
    Other 108 $13,470,000 $124,722 $0 3.95%
    20 Year 53 $14,885,000 $280,849 $3,726 2.94%
    10 Year 24 $17,330,000 $722,083 $4,036 2.96%
    5 Year 5 $14,465,000 $2,893,000 $0 3.74%
    3 Year 1 $7,975,000 $7,975,000 $0 3.22%

    For 2020, Seacoast National Bank's most frequently cited loan duration was 30 Year, with 1,894 originations. The 2nd most popular length was 15 Year, with 1,560 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,729 $495,515,000 $286,591
    $2k-3k 79 $25,985,000 $328,924
    $<1k 56 $16,400,000 $292,857
    $3k-4k 36 $13,990,000 $388,611
    $4k-5k 15 $4,455,000 $297,000
    $5k+ 11 $6,355,000 $577,727

    Seacoast National Bank's average total fees were $4,417, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,729 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,513 $347,325,000 $229,560
    2.5-3% 1,109 $287,505,000 $259,247
    <2.5% 480 $111,260,000 $231,792
    4-5% 347 $55,695,000 $160,504
    5-6% 158 $14,180,000 $89,747
    6-7% 28 $1,790,000 $63,929
    7-8% 10 $570,000 $57,000

    During 2020, Seacoast National Bank's average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 3-4%, with 1,513 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,202 $331,880,000 $276,106 $4,285 3.07%
    $100k-200k 1,025 $145,715,000 $142,161 $3,409 3.26%
    $100,000 or less 979 $55,775,000 $56,971 $2,949 3.87%
    $400k-600k 358 $170,800,000 $477,095 $5,460 3.04%
    $600k-1MM 48 $35,470,000 $738,958 $7,594 3.62%
    $1MM+ 33 $78,685,000 $2,384,394 $13,168 3.44%

    2020 saw Seacoast National Bank place emphasis on $200k-400k loans with 1,202 originations, totaling $331,880,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 795 $168,345,000 $211,755 $4,266 3.29%
    $150k-250k 708 $171,830,000 $242,698 $4,561 3.36%
    $50k-75k 612 $88,170,000 $144,069 $3,680 3.36%
    $75k-100k 566 $101,200,000 $178,799 $4,332 3.35%
    $250k+ 516 $196,560,000 $380,930 $5,739 3.33%
    $50k or less 379 $40,455,000 $106,741 $3,559 3.48%

    Seacoast National Bank lent most frequently to those with incomes in the $100k-150k range, with 795 originations. The second most popular income band? $150k-250k, with 708 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 841 $181,735,000 $216,094 $4,139 3.27%
    30-36% 626 $138,230,000 $220,815 $4,356 3.32%
    <20% 490 $115,090,000 $234,878 $4,027 3.17%
    50-60% 177 $26,175,000 $147,881 $7,446 3.89%
    44% 158 $29,900,000 $189,241 $4,165 3.46%
    42% 123 $27,705,000 $225,244 $4,259 3.29%
    36% 118 $27,740,000 $235,085 $4,090 3.37%
    43% 117 $26,105,000 $223,120 $4,608 3.45%
    39% 116 $23,660,000 $203,966 $4,313 3.43%
    41% 116 $24,340,000 $209,828 $4,743 3.44%
    37% 115 $22,565,000 $196,217 $4,100 3.38%
    40% 113 $23,715,000 $209,867 $4,603 3.36%
    45% 109 $17,915,000 $164,358 $4,430 3.51%
    38% 98 $20,690,000 $211,122 $4,160 3.31%
    48% 84 $18,440,000 $219,524 $4,441 3.43%
    46% 76 $16,900,000 $222,368 $4,674 3.21%
    49% 69 $16,795,000 $243,406 $4,348 3.21%
    47% 66 $12,600,000 $190,909 $4,134 3.43%
    >60% 10 $6,530,000 $653,000 $19,617 3.68%

    Seacoast National Bank lent most frequently to those with DTI ratios of 20-30%, with 841 originations. The next most common DTI ratio? 30-36%, with 626 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,025 $639,815,000 $211,509 $4,289 3.35%
    Not provided 423 $96,315,000 $227,695 $4,351 3.24%
    Not applicable 15 $39,655,000 $2,643,667 $0 3.92%
    Asian 75 $21,285,000 $283,800 $4,752 3.36%
    Black 86 $16,590,000 $192,907 $4,555 3.75%
    American Indian 8 $1,650,000 $206,250 $4,393 3.63%
    Asian Indian 5 $1,495,000 $299,000 $3,769 2.80%
    Other Asian 3 $835,000 $278,333 $3,773 2.79%
    Native Hawaiian or Islander 2 $470,000 $235,000 $3,229 3.13%
    1 $85,000 $85,000 $0 4.50%
    Vietnamese 1 $75,000 $75,000 $0 3.25%
    Chinese 1 $55,000 $55,000 $0 4.00%

    Approval Rates

    Total approvals of all applications
    76.19%

    Seacoast National Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    78.93%

    Seacoast National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,645 $818,325,000 $224,506

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 16 $40,160,000 $2,510,000
    Single Family (1-4 Units):Manufactured 5 $495,000 $99,000
    Single Family (1-4 Units):Site-Built 3,624 $777,670,000 $214,589

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 721 $112,705,000 $156,318 $3,821 3.49%
    40-60% 647 $168,665,000 $260,688 $3,887 3.08%
    60-80% 1,044 $340,700,000 $326,341 $4,226 3.12%
    80-100% 473 $137,985,000 $291,723 $5,009 3.14%
    Over 100% 3 $1,095,000 $365,000 $17,126 2.29%
    Under 20% 757 $57,175,000 $75,528 $3,243 3.88%

    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 $206,696
    Seacoast National Bank 1000 N.E. Jensen Beach Blvd. Jensen Beach, FL 34957 Full Service B&M $134,759
    Seacoast National Bank 1031 West Morse Boulevard, Suite 150 Winter Park, FL 32789 Full Service B&M $285,983
    Seacoast National Bank 105 Capron Trail Viera, FL 32940 Full Service B&M $66,657
    Seacoast National Bank 1100 Southwest St. Lucie West Boulevard Port St. Lucie, FL 34986 Full Service B&M $98,043
    Seacoast National Bank 1108 South East Port St Lucie Blvd Port Saint Lucie, FL 34952 Full Service B&M $130,025
    Seacoast National Bank 1110 Roseland Road Sebastian, FL 32958 Full Service B&M $101,381
    Seacoast National Bank 11711 S.E. Federal Highway Hobe Sound, FL 33455 Full Service B&M $119,929
    Seacoast National Bank 12 Se 12th Street, Ste 101 Fort Lauderdale, FL 33316 Full Service B&M $79,338
    Seacoast National Bank 1206 Us Highway 1 Vero Beach, FL 32960 Full Service B&M $95,780
    Seacoast National Bank 12796 Forest Hill Boulevard Wellington, FL 33414 Full Service B&M $38,800
    Seacoast National Bank 13207 West Colonial Winter Garden, FL 34787 Full Service B&M $169,733
    Seacoast National Bank 1409 South Parrott Avenue Okeechobee, FL 34974 Full Service B&M $157,906
    Seacoast National Bank 1601 East Oak Street Arcadia, FL 34266 Full Service B&M $54,703
    Seacoast National Bank 1696 North Clyde Morris Boulevard Daytona Beach, FL 32117 Full Service B&M $83,592
    Seacoast National Bank 175 Timacuan Boulevard Lake Mary, FL 32746 Full Service B&M $151,311
    Seacoast National Bank 175 W. Granada Boulevard Ormond Beach, FL 32174 Full Service B&M $119,399
    Seacoast National Bank 1790 Sw Gatlin Boulevard Saint Lucie West, FL 34953 Full Service B&M $51,492
    Seacoast National Bank 18251 Us Highway 441 Mount Dora, FL 32757 Full Service B&M $121,606
    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 $136,914
    Seacoast National Bank 2000 Lantana Road Lantana, FL 33462 Full Service B&M $184,491
    Seacoast National Bank 2055 Palm Beach Lakes Boulevard West Palm Beach, FL 33409 Full Service B&M $93,200
    Seacoast National Bank 250 N Orange Avenue Orlando, FL 32801 Full Service B&M $152,774
    Seacoast National Bank 2601 S.W. High Meadows Avenue Palm City, FL 34990 Full Service B&M $171,474
    Seacoast National Bank 2695 State Road 434 Longwood, FL 32779 Full Service B&M $175,358
    Seacoast National Bank 2722 East Burleigh Boulevard Eustis, FL 32726 Full Service B&M $73,843
    Seacoast National Bank 2839 Clayton Crossing Way Oviedo, FL 32765 Full Service B&M $76,840
    Seacoast National Bank 2940 Cardinal Drive Vero Beach, FL 32963 Full Service B&M $77,808
    Seacoast National Bank 300 South Harbor City Boulevard Melbourne, FL 32901 Full Service B&M $144,470
    Seacoast National Bank 3001 Pga Boulevard Palm Beach Gardens, FL 33410 Full Service B&M $162,453
    Seacoast National Bank 3200 Se Federal Highway Stuart, FL 34997 Full Service B&M $123,022
    Seacoast National Bank 345 East Main Street Apopka, FL 32703 Full Service B&M $98,474
    Seacoast National Bank 3717 W Boynton Beach Blvd Boynton Beach, FL 33436 Full Service B&M $65,174
    Seacoast National Bank 3791 West 1st Street Sanford, FL 32771 Full Service B&M $88,615
    Seacoast National Bank 400 North Ashley Drive Tampa, FL 33602 Full Service B&M $203,723
    Seacoast National Bank 402 S. Macdill Avenue Tampa, FL 33609 Full Service B&M $112,810
    Seacoast National Bank 4250 South Washington Avenue Titusville, FL 32780 Full Service B&M $53,760
    Seacoast National Bank 4720 Clyde Morris Boulevard Port Orange, FL 32129 Full Service B&M $82,516
    Seacoast National Bank 5755 S.E. Federal Highway Stuart, FL 34997 Full Service B&M $150,461
    Seacoast National Bank 585 West Indiantown Road Jupiter, FL 33458 Full Service B&M $167,391
    Seacoast National Bank 6030 20th Street Vero Beach, FL 32966 Full Service B&M $78,713
    Seacoast National Bank 615 N Dixie Hwy West Palm Beach, FL 33401 Full Service B&M $147,884
    Seacoast National Bank 6572 Conory Windermer Rd Orlando, FL 32835 Full Service B&M $90,708
    Seacoast National Bank 715 Indian Rocks Road N Belleair Bluffs, FL 33770 Full Service B&M $39,217
    Seacoast National Bank 8101 Okeechobee Boulevard West Palm Beach, FL 33411 Full Service B&M $68,062
    Seacoast National Bank 815 Colorado Ave Stuart, FL 34994 Full Service B&M $1,141,371
    Seacoast National Bank 890 W. Sugarland Highway Clewiston, FL 33440 Full Service B&M $76,786
    Seacoast National Bank 965 Central Avenue Saint Petersburg, FL 33705 Full Service B&M $16,075
    Seacoast National Bank 9680 Narcoosee Road, Suite 101 Orlando, FL 32827 Full Service B&M $25,342
    Seacoast National Bank 9698 South Us 1 Port Saint Lucie, FL 34952 Full Service B&M $120,295

    For 2020, Seacoast National Bank had 51 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $287,012
    Net interest income $264,709
    Total noninterest income $59,189
    Gross Fiduciary activities income $5,504
    Service charges on deposit accounts $9,429
    Trading account gains and fees $0
    Additional Noninterest Income $44,256
    Pre-tax net operating income $102,211
    Securities gains (or losses, -) $1,234
    Income before extraordinary items $80,023
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $80,023
    Minority interest net income $0
    Net income $80,023
    Sale, conversion, retirement of capital stock, net $7,306
    Net operating income $79,048

    Seacoast National Bank's gross interest income from loans was $287,012,000.
    Seacoast National Bank's net interest income from loans was $264,709,000.
    Seacoast National Bank's fee based income from loans was $9,429,000.
    Seacoast National Bank's net income from loans was $80,023,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $22,303
    Provision for credit losses $38,179
    Total noninterest expense $183,508
    Salaries and employee benefits $104,084
    Premises and equipment expense $20,024
    Additional noninterest expense $59,400
    Applicable income taxes $23,422
    Net charge-offs $7,705
    Cash dividends $0

    Seacoast National Bank's interest expense for loans was $22,303,000.
    Seacoast National Bank's payroll and benefits expense were $104,084,000.
    Seacoast National Bank's property, plant and equipment expenses $20,024,000.

    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 0.0%
    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 $6,932,634
    Deposits held in domestic offices $6,932,634
    Deposits by Individuals, partnerships, and corporations $6,241,600
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $676,832
    Deposits by Commercial banks and other depository institutions in U.S. $14,201
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,015,465
    Demand deposits $835,528
    Nontransaction accounts $5,917,168
    Money market deposit accounts (MMDAs) $4,396,835
    Other savings deposits (excluding MMDAs) $689,177
    Total time deposits $831,156
    Total time and savings deposits $6,097,105
    Noninterest-bearing deposits $2,289,862
    Interest-bearing deposits $4,642,772
    Retail deposits $6,328,379
    IRAs and Keogh plan accounts $93,391
    Brokered deposits $432,792
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $8,343,334
    Cash & Balances due from depository institutions $404,838
    Interest-bearing balances $318,208
    Total securities $1,589,171
    Federal funds sold & reverse repurchase $0
    Net loans and leases $5,711,506
    Loan and leases loss allowance $92,733
    Trading account assets $0
    Bank premises and fixed assets $100,656
    Other real estate owned $12,750
    Goodwill and other intangibles $241,541
    All other assets $282,872

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $8,343,334
    Total Liabilities $7,210,717
    Total deposits $6,932,634
    Interest-bearing deposits $4,642,772
    Deposits held in domestic offices $6,932,634
    % insured (estimated) $66
    Federal funds purchased and repurchase agreements $189,683
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $88,400

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $5,711,506
    Loan and leases loss allowance $92,733
    Total loans and leases (domestic) $5,804,239
    All real estate loans $4,187,937
    Real estate loans in domestic offices $4,187,937
    Construction and development loans $245,103
    Residential 1-4 family construction $87,685
    Other construction, all land development and other land $157,418
    Loans secured by nonfarm nonresidential properties $2,367,185
    Nonfarm nonresidential secured by owner-occupied properties $1,140,560
    Commercial real estate & other non-farm, non-residential $1,226,625
    Multifamily residential real estate $145,914
    1-4 family residential loans $1,410,131
    Farmland loans $19,604
    Loans held in foreign offices $0
    Farm loans $1,831
    Commercial and industrial loans $1,319,553
    To non-U.S. addressees $0
    Loans to individuals $189,203
    Credit card loans $319
    Related Plans $8,925
    Consumer Auto Loans $21,125
    Other loans to individuals $158,834
    All other loans & leases $105,715
    Loans to foreign governments and official institutions $0
    Other loans $85,319
    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 $4,182
    Non 1-4 family restructured loans & leases $442
    Total loans and leases (foreign) $0

    Seacoast National Bank had $5,711,506,000 of loans outstanding in 2020. $4,187,937,000 of loans were in real estate loans. $245,103,000 of loans were in development loans. $145,914,000 of loans were in multifamily mortgage loans. $1,410,131,000 of loans were in 1-4 family mortgage loans. $1,831,000 of loans were in farm loans. $319,000 of loans were in credit card loans. $21,125,000 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 2,207 $732,346 $331,829
    Nonfarm, nonresidential loans - <$100k 97 $5,333 $54,979
    Nonfarm, nonresidential loans - $100-250k 607 $85,679 $141,152
    Nonfarm, nonresidential loans - $250k-1MM 1,503 $641,334 $426,703
    Commercial & Industrial, US addressed loans - <$1MM 9,318 $839,695 $90,115
    Commercial & Industrial, US addressed loans - <$100k 6,167 $238,896 $38,738
    Commercial & Industrial, US addressed loans - $100-250k 1,878 $209,643 $111,631
    Commercial & Industrial, US addressed loans - $250k-1MM 1,273 $391,156 $307,271
    Farmland loans - <$1MM 12 $2,413 $201,083
    Farmland loans - $100-250k 4 $481 $120,250
    Farmland loans - $250k-1MM 8 $1,932 $241,500
    Agriculture operations loans - <$1MM 12 $412 $34,333
    Agriculture operations loans - <$100k 9 $208 $23,111
    Agriculture operations loans - $100-250k 3 $204 $68,000