Total Assets
$20.8B
Total balance-sheet footings
FDIC Cert #131 · Stuart, Florida · Est. 1933
Seacoast National Bank - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $20.8B
- Total assets
- A
- Health grade · Excellent
- 0.91%
- Return on assets
- 13.8%
- Tier 1 capital
Data updated July 2026
The verdict
Seacoast National Bank earns a PlainBankData health grade of A (81/100), with well-capitalized at 13.82% Tier 1, 0.91% ROA, efficient (58% cost ratio).
- #100
- largest of 4,313 FDIC banks by assets
- 98th
- percentile by asset size, nationally
- 13.82%
- Tier 1 ratio - above the 10% well-capitalized line
- 36th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Seacoast National Bank's 81/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Seacoast National Bank's composite health score
Tier 1 Capital Ratio (13.82%) 35/40
Return on Assets (ROA) (0.91%) 14/25
Texas Ratio (2.25%) 20/20
Efficiency Ratio (57.67%) 12/15
81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$16.3B
Customer-funded liabilities
Net Loans
$12.5B
Outstanding loan book
Net Income
$153M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Seacoast National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Seacoast National Bank's score of 81/100 falls in the highlighted band.
Seacoast National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Seacoast National Bank's $20.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.82%
Texas Ratio
2.25%
Equity Capital
$3.0B
Profitability metrics
Return on Assets (ROA)
36th percentile nationally
0.91%
Return on Equity (ROE)
6.35%
Efficiency Ratio
57.67%
What the numbers say about Seacoast National Bank
Seacoast National Bank is an FDIC-insured institution (Certificate #131) headquartered in Stuart, Florida, established in 1933. It holds $20.8B in total assets - 100th of 4,313 FDIC-insured banks, $16.3B in customer deposits, and $12.5B in net loans. On safety, its Tier 1 capital ratio of 13.82% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.25% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (81/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Seacoast National Bank's asset base places it among the largest FDIC-insured institutions in the country, 100th of 4,313 nationally, and 6th of 83 banks headquartered in Florida. Only City National Bank of Florida ($28.0B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$836M
Interest Income
$95M
Non-Interest Income
$403M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Seacoast National Bank reports a Texas Ratio of 2.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
National size peers: banks closest to Seacoast National Bank by assets
Seacoast National Bank is closely matched in total assets by Optum Bank, Inc., The Central Trust Bank, First Financial Bank, Wilmington Savings Fund Society, FSB across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.70%, versus Seacoast National Bank's own 0.91%; the average efficiency ratio is 47.62%, versus 57.67% here; and average Tier 1 capital sits at 13.06%, versus 13.82% at Seacoast National Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $20.8B in assets, Seacoast National Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Seacoast National Bank (this bank) | FL | $20.8B | 0.91% | 57.67% | 13.82% |
| Optum Bank, Inc. | UT | $20.8B | 2.69% | 26.29% | 16.97% |
| The Central Trust Bank | MO | $20.8B | 1.82% | 50.05% | 12.88% |
| First Financial Bank | OH | $21.0B | 1.53% | 53.29% | 11.90% |
| Wilmington Savings Fund Society, FSB | DE | $21.2B | 1.43% | 56.85% | 14.06% |
| TowneBank | VA | $19.7B | 0.90% | 71.94% | 11.34% |
| Stifel Bank and Trust | MO | $19.4B | 1.82% | 27.28% | 11.18% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Seacoast National Bank (FDIC Cert #131) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
| Emigrant BankMiami | $5.8B | A | 1.35% |
Frequently asked questions
What is Seacoast National Bank's health grade?▼
Seacoast National Bank receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Seacoast National Bank?▼
Seacoast National Bank holds $20.8B in total assets and $16.3B in deposits, ranking 100th of 4,313 FDIC-insured banks by asset size. It is headquartered in Stuart, Florida.
Is my money safe at Seacoast National Bank?▼
Yes, deposits at Seacoast National Bank (Certificate #131) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Seacoast National Bank's Tier 1 Capital Ratio?▼
Seacoast National Bank has a Tier 1 Capital Ratio of 13.82%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Seacoast National Bank?▼
Seacoast National Bank has a Texas Ratio of 2.25%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Seacoast National Bank?▼
Seacoast National Bank has an Efficiency Ratio of 57.67%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Seacoast National Bank's profile as a depositor or analyst.
- Seacoast National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Seacoast National Bank against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.