---
schema_version: "secwatch.filing_event.v1"
accession: "0000730708-23-000010"
form_type: "8-K"
ticker: "SBCF"
cik: "0000730708"
company_name: "SEACOAST BANKING CORP OF FLORIDA"
filed_at: "2023-02-14T23:59:59+00:00"
generated_at: "2026-06-19T14:52:23.819087+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Seacoast reports Q4 2022 NIM 4.36%; adjusted PTPP up 36%, loan growth 14% annualized

## Summary
- Net interest margin expanded 69 bps to 4.36%; adjusted PTPP increased 36% to $66.6M.
- Organic loan growth 14% annualized; cost of deposits remained low at 21 bps.
- Completed Apollo Bancshares and Drummond Banking acquisitions on Oct 7, 2022; Professional Holding Corp deal closed Jan 31, 2023.
- Wealth management AUM reached $1.4B, up 12% YoY.
- Nonperforming loans only 0.35% of total loans; allowance for credit losses $113.9M (1.40% of loans).

## SEC filing metadata
- accession: 0000730708-23-000010
- form_type: 8-K
- ticker: SBCF
- cik: 0000730708
- company_name: SEACOAST BANKING CORP OF FLORIDA
- filed_at: 2023-02-14T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/730708/000073070823000010/0000730708-23-000010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/730708/000073070823000010/sbcf-20230214.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000730708-23-000010
- JSON: https://secwatch.observer/filing/0000730708-23-000010.json
- Plain text: https://secwatch.observer/filing/0000730708-23-000010.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.