{"schema_version":"secwatch.filing_event.v1","accession":"0000730708-23-000108","form_type":"8-K","ticker":"SBCF","cik":"0000730708","company_name":"SEACOAST BANKING CORP OF FLORIDA","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.855280+00:00","generated_at":"2026-06-09T09:10:02.620974+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Seacoast Banking reports Q3 net income of $31.4M, EPS $0.37; organic deposit growth 3.7% annualized","bullets":["Net income $31.4M ($0.37 diluted EPS); adjusted net income $39.7M ($0.46 adjusted EPS).","Net interest margin contracted 29 bps to 3.57%; cost of deposits increased 41 bps to 1.79%.","Organic deposit growth of 3.7% annualized; loan-to-deposit ratio 83%; Tier 1 capital ratio 13.9%.","Completed RIF reducing headcount 6%; efficiency ratio GAAP 62.6% (adj. 60.2%).","Nonperforming loans declined from prior quarter; credit quality remains strong."],"urls":{"canonical":"https://secwatch.observer/filing/0000730708-23-000108","json":"https://secwatch.observer/filing/0000730708-23-000108.json","markdown":"https://secwatch.observer/filing/0000730708-23-000108.md","text":"https://secwatch.observer/filing/0000730708-23-000108.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/730708/000073070823000108/0000730708-23-000108-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/730708/000073070823000108/sbcf-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T09:10:02.620974+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"d6a7d4a530fa2b685047f128f31ec15c589c9424","claim":"SEACOAST BANKING CORP OF FLORIDA reported third quarter of 2023 results: net income 31.4 million, EPS 0.37 per diluted share.","evidence_excerpt":"Seacoast Banking Corporation of Florida (\"Seacoast\" or the \"Company\") (NASDAQ: SBCF) today reported net income in the third quarter of 2023 of $31.4 million, or $0.37 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/730708/000073070823000108/0000730708-23-000108-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of 2023"},{"label":"Net income","value":"31.4 million"},{"label":"EPS","value":"0.37 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}