{"schema_version":"secwatch.filing_event.v1","accession":"0000730708-23-000112","form_type":"8-K","ticker":"SBCF","cik":"0000730708","company_name":"SEACOAST BANKING CORP OF FLORIDA","filed_at":"2023-11-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.855516+00:00","generated_at":"2026-06-09T01:19:20.836126+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Seacoast Q3 net interest income down 6%; NIM 3.57%; organic deposit growth 3.7%","bullets":["Net interest income (FTE) $119.5M, down $7.6M from prior quarter; NIM fell 29 bps to 3.57%.","Noninterest income $17.8M, down 18% due to Durbin amendment impact on interchange fees.","Loans $10.01B, down $107M; new loan yields ~8%; loan-to-deposit ratio low at 83%.","Tier 1 capital ratio 14.0%; tangible book value $14.26, up from prior quarter.","Reduced workforce by 6% and consolidated a branch; adjusted efficiency ratio 60.2%."],"urls":{"canonical":"https://secwatch.observer/filing/0000730708-23-000112","json":"https://secwatch.observer/filing/0000730708-23-000112.json","markdown":"https://secwatch.observer/filing/0000730708-23-000112.md","text":"https://secwatch.observer/filing/0000730708-23-000112.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/730708/000073070823000112/0000730708-23-000112-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/730708/000073070823000112/sbcf-20231102.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T01:19:20.836126+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}