---
schema_version: "secwatch.filing_event.v1"
accession: "0000730708-24-000200"
form_type: "8-K"
ticker: "SBCF"
cik: "0000730708"
company_name: "SEACOAST BANKING CORP OF FLORIDA"
filed_at: "2024-09-03T23:59:59+00:00"
generated_at: "2026-05-31T06:42:57.501091+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Seacoast Q2 net income $30.2M, EPS $0.36; deposit costs stabilizing, tangible book $15.41

## Summary
- Net income $30.2M ($0.36 diluted EPS); pre-tax pre-provision adjusted earnings up $2.0M QoQ to $44.5M.
- NIM contracted 6 bps to 3.18%; cost of deposits stabilized at 2.31% in May/June.
- Loans grew $60.5M; pipeline up 46% to $834.4M; wealth management AUM record $1.9B.
- Noninterest expense down $7.8M QoQ; adjusted efficiency ratio 60.2%.
- Strong capital: Tier 1 ratio 14.8%, TCE/TA 9.3%; tangible book value per share $15.41.

## SEC filing metadata
- accession: 0000730708-24-000200
- form_type: 8-K
- ticker: SBCF
- cik: 0000730708
- company_name: SEACOAST BANKING CORP OF FLORIDA
- filed_at: 2024-09-03T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/730708/000073070824000200/0000730708-24-000200-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/730708/000073070824000200/sbcf-20240903.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000730708-24-000200
- JSON: https://secwatch.observer/filing/0000730708-24-000200.json
- Plain text: https://secwatch.observer/filing/0000730708-24-000200.txt

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