secwatch.observer — SEC 8-K summary
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Issuer:     SEACOAST BANKING CORP OF FLORIDA (SBCF)
CIK:        0000730708
Form:       8-K
Filed at:   2026-02-11T23:59:59+00:00
Accession:  0001628280-26-007301
Event type: other_material
Sentiment:  positive
Materiality: 0.70
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Seacoast reports Q4 2025 adjusted EPS $0.44; completes VBI acquisition, organic loan growth 15%
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- Net income $34.3M ($0.31 diluted); adjusted net income $47.7M ($0.44 diluted) includes $23.4M day-one credit provisions from VBI.
- Net interest income $174.6M (+31% QoQ, +51% YoY); NIM expanded 9 bps to 3.66% (ex-accretion 3.44%).
- Completed VBI acquisition Oct 1, 2025: added $4.4B assets, $1.2B loans, $3.5B deposits; 51% market share in The Villages.
- Wealth management AUM $2.8B (+37% YoY); added $549M organic AUM in 2025.
- Organic loan growth 15% annualized in Q4; commercial pipeline $948M; cost of deposits down 14 bps to 1.67%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/730708/000162828026007301/0001628280-26-007301-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/730708/000162828026007301/sbcf-20260211.htm
  HTML page:      https://secwatch.observer/filing/0001628280-26-007301

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