---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-004149"
form_type: "8-K"
ticker: "SBCF"
cik: "0000730708"
company_name: "SEACOAST BANKING CORP OF FLORIDA"
filed_at: "2026-01-29T23:59:59+00:00"
generated_at: "2026-05-16T06:43:20.054379+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Seacoast Q4 net income $34.3M; completes VBI acquisition; securities repositioning loss $39.5M

## Summary
- Net income of $34.3M ($0.31 diluted); adjusted net income $47.7M ($0.44 diluted) includes $23.4M day-one credit provisions.
- Net interest income $174.6M, up 31% QoQ; net interest margin excluding accretion expanded 12 bps to 3.44%.
- Organic loan growth 15% annualized; VBI acquisition added $4.4B assets, $1.2B loans, $3.5B deposits, 19 branches.
- Repositioned securities portfolio: sold low-yield securities (1.9% avg yield) for $39.5M pre-tax loss, reinvested at 4.8% yield.
- Completed VBI acquisition Oct 1, 2025; full system conversion expected Q3 2026.

## SEC filing metadata
- accession: 0001628280-26-004149
- form_type: 8-K
- ticker: SBCF
- cik: 0000730708
- company_name: SEACOAST BANKING CORP OF FLORIDA
- filed_at: 2026-01-29T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/730708/000162828026004149/0001628280-26-004149-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/730708/000162828026004149/sbcf-20260123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-004149
- JSON: https://secwatch.observer/filing/0001628280-26-004149.json
- Plain text: https://secwatch.observer/filing/0001628280-26-004149.txt

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