Seacoast Banking is a Florida-focused regional bank headquartered in Stuart, Florida, operating through its primary subsidiary, Seacoast National Bank. With $20.8B in total assets, Seacoast is one of the largest banks headquartered in Florida. Seacoast provides standard commercial and retail banking services — taking deposits and making loans — to consumers, businesses, nonprofits, and municipalities across Florida, with a nascent presence in Atlanta. The loan portfolio is weighted toward commercial real estate (CRE) and commercial & industrial (C&I) lending. Beyond lending, Seacoast generates fee income through wealth management, treasury management, mortgage banking, insurance, and SBA lending. Seacoast sells through 104 branches and a growing commercial banking team. Seacoast makes money primarily through net interest income — the spread between what it earns on loans and securities and what it pays on deposits. Seacoast's deposit base is roughly 48% low-cost transaction accounts, which keeps funding costs below more rate-sensitive peers. Growth has two pillars: organic expansion via hiring senior commercial bankers from larger institutions, and acquisitions of Florida community banks. Seacoast has grown from roughly $7B in assets in 2020 to $20.8B at end of 2025 largely through acquisitions. Recent deals include Heartland Bancshares and Villages Bancorporation, the latter adding over $4B in assets and a large presence in The Villages retirement community. Management targets acquired banks with granular, low-cost core deposit franchises, then redeploys that liquidity into higher-yielding loans through its commercial banking team.