---
schema_version: "secwatch.filing_event.v1"
accession: "0000730708-25-000162"
form_type: "8-K"
ticker: "SBCF"
cik: "0000730708"
company_name: "SEACOAST BANKING CORP OF FLORIDA"
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:52:26.276447+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0000730708-25-000162
- form_type: 8-K
- ticker: SBCF
- cik: 0000730708
- company_name: SEACOAST BANKING CORP OF FLORIDA
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/730708/000073070825000162/0000730708-25-000162-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/730708/000073070825000162/sbcf-20250724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000730708-25-000162
- JSON: https://secwatch.observer/filing/0000730708-25-000162.json
- Plain text: https://secwatch.observer/filing/0000730708-25-000162.txt

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