Seacoast Q2 net income $0.50 EPS; NIM expands 10bps to 3.58%; loans grow 6.4% annualized

SEACOAST BANKING CORP OF FLORIDA

2025-Q2 EPS reported $0.87 vs consensus $0.43 ▲ beat (+101.5%)

Net income $42.7M ($0.50 diluted EPS); adjusted EPS $0.52; up 36% from Q1.
NIM expanded 10bps to 3.58%; net interest income $126.9M, up 7% QoQ.
Loans grew 6.4% annualized; pipelines robust at $920.9M; cost of deposits down 13bps to 1.80%.
Completed Heartland acquisition ($777M assets); Villages acquisition expected Q4 2025 ($4.1B assets).
Tangible book value $17.19, up 12% YoY; Tier 1 capital ratio 14.6%.

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