Seacoast National Bank: how it compares with its peers
Against 96 U.S. banks with half to twice its assets, Seacoast National Bank's strongest measure in Q2 2026 is net interest margin (3.83% vs. a 3.65% peer median). Its weakest relative measure is return on assets (0.88% vs. 1.21%).
| Measure | Seacoast National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.88% | 1.21% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.83% | 3.65% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.17% | 55.30% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.0M | $12.2M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.27% | 86.03% | Context |
What it means for lending operations
Its efficiency ratio of 54.17% is better than the 55.30% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Merchants Bank Muncie, IN · $21.32B
- Mechanics Bank Walnut Creek, CA · $21.25B
- Optum Bank, Inc. Draper, UT · $21.43B
- Citizens Business Bank, National Association Ontario, CA · $21.18B
- Merchants Bank of Indiana Carmel, IN · $21.17B
- Beacon Bank and Trust Boston, MA · $22.20B
Questions about Seacoast National Bank
How big is Seacoast National Bank?
Seacoast National Bank, established in 1933, is headquartered in Stuart, FL. It reported $21.34B in total assets in its Q2 2026 FDIC call report and operates 118 offices.
What is Seacoast National Bank's return on assets?
0.88% annualized in Q2 2026, against a 1.21% median for 96 U.S. banks with half to twice its assets, ahead of 21% of them.
What is Seacoast National Bank's efficiency ratio?
54.17% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 55.30%, and lower is better.
Is Seacoast National Bank growing its loans?
Net loans grew 23.9% over the year to Q2 2026, while deposits grew 34.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.