Seacoast Banking Corporation of Florida (SBCF): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause der Seacoast Banking Corporation of Florida (SBCF), einem dynamischen Finanzinstitut, das das regionale Bankwesen durch sein innovatives Business Model Canvas revolutioniert. Dieser umfassende Ansatz zeigt, wie SBCF lokale Marktexpertise, modernste digitale Technologien und eine gemeinschaftsorientierte Strategie nutzt, um personalisierte Banklösungen bereitzustellen, die sie in der wettbewerbsintensiven Finanzlandschaft Floridas hervorheben. Von maßgeschneiderten Kreditdienstleistungen bis hin zu fortschrittlichen digitalen Plattformen zeigt das einzigartige Modell der Bank einen ausgefeilten Ansatz zur Erfüllung der vielfältigen Bedürfnisse von Kleinunternehmen, Handelsunternehmen und Privatkunden.

Seacoast Banking Corporation of Florida (SBCF) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Unternehmensnetzwerke in Florida

Seacoast Banking Corporation unterhält strategische Partnerschaften mit:

Partnertyp	Anzahl der Partnerschaften	Geografische Abdeckung
Handelskammer von Florida	17 aktive Verbindungen	Landesweites Florida-Netzwerk
Lokale Wirtschaftsverbände	42 aktive Mitgliedschaften	Zentral- und Südostflorida

Technologieanbieter für digitale Banking-Plattformen

Wichtige Details zur Technologiepartnerschaft:

• Fiserv für die Kernbankeninfrastruktur
• Jack Henry & Partner für digitale Banking-Lösungen
• Salesforce für das Kundenbeziehungsmanagement

Partner für Kleinunternehmen und gewerbliche Kredite

Partnerschaftstyp	Gesamtvolumen der Kooperationskredite	Durchschnittliche Kredithöhe
SBA-Kreditpartner	287,4 Millionen US-Dollar	1,2 Millionen US-Dollar pro Partnerschaft
Kommerzielle Immobiliennetzwerke	412,6 Millionen US-Dollar	3,5 Millionen US-Dollar pro Partnerschaft

Finanzinstitute für Gemeindeentwicklung

Zu den Kooperationspartnerschaften gehören:

• Florida Community Loan Fund
• Netzwerk der Community Development Financial Institutions (CDFI).
• Lokale Wirtschaftsförderungsagenturen

Fintech-Zusammenarbeit für innovative Banklösungen

Fintech-Partner	Fokus auf Zusammenarbeit	Umsetzungsjahr
Kariert	Offene Banking-Integrationen	2022
Mischen	Digitale Kreditplattform	2021
Streifen	Lösungen zur Zahlungsabwicklung	2023

Seacoast Banking Corporation of Florida (SBCF) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Zum vierten Quartal 2023 berichtete die Seacoast Bank:

Gesamtvermögen	9,08 Milliarden US-Dollar
Gesamteinlagen	7,84 Milliarden US-Dollar
Kreditportfolio	6,92 Milliarden US-Dollar

Kredite und Unterstützung für Kleinunternehmen

Wichtige Kennzahlen zur Kreditvergabe für das Kleinunternehmenssegment:

• SBA-Darlehensvolumen: 287 Millionen US-Dollar im Jahr 2023
• Anzahl der Geschäftsbankkunden: 22.500
• Durchschnittliche Kredithöhe für Kleinunternehmen: 425.000 $

Entwicklung einer digitalen Banking-Plattform

Mobile-Banking-Benutzer	185,000
Online-Banking-Transaktionen	3,2 Millionen pro Quartal
Investitionen in digitales Banking	12,4 Millionen US-Dollar im Jahr 2023

Risikomanagement und Compliance-Überwachung

Compliance- und Risikomanagement-Kennzahlen:

• Compliance-Mitarbeiter: 87 Vollzeitmitarbeiter
• Jährliches Compliance-Budget: 6,3 Millionen US-Dollar
• Bewertung der behördlichen Prüfung: Befriedigend

Kundenbeziehungsmanagement

Gesamtzahl der Kundenkonten	275,000
Kundenbindungsrate	89%
Kundenzufriedenheitswert	4.6/5

Seacoast Banking Corporation of Florida (SBCF) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk in Florida

Ab dem vierten Quartal 2023 betreibt die Seacoast Banking Corporation 64 Full-Service-Filialen ausschließlich in Florida. Gesamtvermögen: 9,4 Milliarden US-Dollar. Gesamteinlagen: 7,8 Milliarden US-Dollar.

Netzwerkmetrik	Menge
Gesamtzahl der Filialen	64
Geografische Abdeckung	Bundesstaat Florida
Gesamtvermögen	9,4 Milliarden US-Dollar
Gesamteinlagen	7,8 Milliarden US-Dollar

Fortschrittliche digitale Banking-Technologie-Infrastruktur

Technologieinvestitionen im Jahr 2023: 24,3 Millionen US-Dollar. Zu den Funktionen der digitalen Banking-Plattform gehören:

• Mobile-Banking-Anwendung
• Online-Banking-Plattform
• Echtzeit-Transaktionsüberwachung
• Cybersicherheits-Schutzsysteme

Erfahrene Management- und Bankfachleute

Zusammensetzung des Führungsteams:

Kategorie „Führung“.	Anzahl der Fachkräfte
Exekutive Führung	7
Geschäftsleitung	24
Total Banking-Profis	612

Robustes Finanzkapital und Reserven

Finanzkennzahlen ab Q4 2023:

• Kernkapitalquote: 13,2 %
• Gesamtkapitalquote: 14,5 %
• Eigenkapital: 1,2 Milliarden US-Dollar
• Zahlungsmittel und Zahlungsmitteläquivalente: 487 Millionen US-Dollar

Einblicke in Kundendaten und Beziehungen

Kennzahlen der Kundendatenbank:

Kundensegment	Gesamtzahl der Kunden
Persönliches Banking	153,000
Kommerzielles Banking	12,500
Gesamter Kundenstamm	165,500

Seacoast Banking Corporation of Florida (SBCF) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen

Im vierten Quartal 2023 meldete die Seacoast Bank eine Bilanzsumme von 11,3 Milliarden US-Dollar mit Schwerpunkt auf Geschäftsbankdienstleistungen. Die Bank bietet spezialisierte Geschäftsbanklösungen mit einem durchschnittlichen Kreditvolumen von 1,2 Millionen US-Dollar für kleine und mittlere Unternehmen in Florida.

Geschäftsbankkennzahlen	Wert
Gesamte gewerbliche Kredite	4,7 Milliarden US-Dollar
Durchschnittliche gewerbliche Kredithöhe	1,2 Millionen US-Dollar
Anzahl der Geschäftsbankkunden	8,500+

Umfassende digitale und mobile Banking-Erlebnisse

Die digitale Plattform der Seacoast Bank unterstützt über 250.000 aktive Digital-Banking-Benutzer mit den folgenden Funktionen:

• Mobile Scheckeinzahlung
• Echtzeit-Transaktionsüberwachung
• Rechnungen online bezahlen
• Digitale Kontoeröffnung

Wettbewerbsfähige Kreditzinsen für kleine und mittlere Unternehmen

Ab Januar 2024 bietet die Seacoast Bank:

Darlehenstyp	Zinsspanne
SBA-Darlehen	7.5% - 10.25%
Gewerbeimmobilien	6.75% - 9.5%
Geschäftskreditlinie	Prime + 2,5 % bis 6 %

Lokale Marktexpertise und gemeinschaftsorientierter Ansatz

Die Seacoast Bank betreibt 65 Filialen in ganz Florida mit einer konzentrierten Präsenz in:

• Südostflorida
• Zentralflorida
• Südwestflorida

Reaktionsschnelle und maßgeschneiderte Finanzdienstleistungen

Die Bank unterhält eine Netto-Promoter-Score von 68, was auf eine hohe Kundenzufriedenheit und eine personalisierte Servicebereitstellung hinweist.

Servicemetriken	Leistung
Durchschnittliche Reaktionszeit des Kunden	Weniger als 4 Stunden
Kundenbindungsrate	87%
Verfügbarkeit digitaler Dienste	99.9%

Seacoast Banking Corporation of Florida (SBCF) – Geschäftsmodell: Kundenbeziehungen

Personalisiertes Beziehungsmanagement

Im vierten Quartal 2023 bedient die Seacoast Banking Corporation 21 Bezirke in Florida mit 62 Filialen mit umfassendem Service. Die Bank unterhält einen Kundenstamm von rund 230.000 Konten, wobei der Schwerpunkt auf personalisierten Bankerlebnissen liegt.

Kundensegment	Beziehungsmanagement-Ansatz	Jährliche Touchpoints
Persönliches Banking	Engagierte Privatbankiers	8-12 direkte Interaktionen
Geschäftsbanking	Beziehungsmanager	15-20 strategische Treffen
Gewerbliche Kunden	Executive Banking-Team	Über 24 umfassende Rezensionen

Digitale Self-Service-Banking-Plattformen

Im Jahr 2023 meldete Seacoast, dass 78 % der Kundentransaktionen über digitale Kanäle abgewickelt wurden.

• Mobile-Banking-App: 92 % der digitalen Nutzer sind aktiv beteiligt
• Online-Banking-Plattform: 135.000 aktive digitale Nutzer
• Digitale Kontoeröffnung: 45 % der neuen Konten werden online eröffnet

Unterstützung des lokalen Filialnetzes

Seacoast unterhält 62 Full-Service-Filialen in ganz Florida, wobei eine durchschnittliche Filiale etwa 3.700 Kunden betreut.

Proaktive Kundenkommunikation

Kommunikationskanal	Jährliche Kontakthäufigkeit	Kundenbindungsrate
E-Mail-Newsletter	12-18 pro Jahr	62 % Öffnungsrate
Benachrichtigungen für mobile Apps	24-36 pro Jahr	55 % Interaktionsrate
Personalisierte finanzielle Einblicke	4-6 detaillierte Berichte	48 % Bewertungsrate

Engagierte Business-Banking-Relationship-Manager

Ab 2023 beschäftigt Seacoast 42 engagierte Business-Banking-Beziehungsmanager, die gewerbliche und kleine Geschäftssegmente bedienen.

• Durchschnittliche Portfoliogröße: 85–100 Geschäftskunden pro Manager
• Spezialisierte Branchenexpertise
• Vierteljährliche strategische Geschäftsüberprüfungen

Seacoast Banking Corporation of Florida (SBCF) – Geschäftsmodell: Kanäle

Mobile-Banking-Anwendung

Im vierten Quartal 2023 meldete die Seacoast Bank 217.000 aktive Mobile-Banking-Nutzer. Die mobile App unterstützt 100 % der Einlagenkontotypen und bietet Echtzeit-Transaktionsüberwachung.

Metriken für mobile Apps	Daten für 2023
Gesamtzahl der mobilen Benutzer	217,000
Volumen der mobilen Scheckeinzahlung	342 Millionen Dollar
Häufigkeit mobiler Transaktionen	3,7 Mal pro Woche/Benutzer

Online-Banking-Website

Die Online-Banking-Plattform von Seacoast bedient rund 185.000 Digital-Banking-Kunden umfassende Finanzmanagement-Tools.

• Rechnungszahlungsdienste
• Kontoaggregation
• Transaktionsverlauf
• Geldtransfers

Physische Zweigstellen

Seit Dezember 2023 betreibt Seacoast 64 Filialen in ganz Florida, die sich auf Ballungsräume konzentrieren.

Filialverteilung	Anzahl der Filialen
Gesamtzahl der Filialen	64
Filialen in Ballungsräumen	52
Durchschnittliche tägliche Filialtransaktionen	1,250

Kundendienst-Callcenter

Seacoast unterhält zwei zentrale Kundendienstzentren, die monatlich etwa 75.000 Kundeninteraktionen abwickeln.

• Kundensupport rund um die Uhr
• Durchschnittliche Anrufantwortzeit: 2,3 Minuten
• Kundenzufriedenheitsrate: 92 %

Digitale Kommunikationsplattformen

Seacoast nutzt mehrere digitale Kanäle für die Kundenbindung Aktive Social-Media-Präsenz auf allen Plattformen.

Digitale Plattform	Anzahl der Follower/Verbindungen
LinkedIn	15,700
Twitter	8,900
Facebook	22,400

Seacoast Banking Corporation of Florida (SBCF) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen in Florida

Im vierten Quartal 2023 betreut die Seacoast Bank etwa 5.200 kleine und mittlere Unternehmen in ganz Florida. Das gesamte gewerbliche Kreditportfolio dieser Unternehmen belief sich auf 2,3 Milliarden US-Dollar.

Geschäftssegment	Anzahl der Unternehmen	Wert des Kreditportfolios
Einzelhandelsunternehmen	1,750	685 Millionen Dollar
Professionelle Dienstleistungen	1,300	520 Millionen Dollar
Bau/Immobilien	1,150	695 Millionen Dollar

Lokale Handelsunternehmen

Der gewerbliche Kundenstamm der Seacoast Bank umfasst 87 Bezirke in Florida, mit einem Schwerpunkt in Ballungsräumen wie Miami, Orlando und Tampa.

• Gesamtertrag des Geschäftsbankgeschäfts: 178,4 Millionen US-Dollar im Jahr 2023
• Durchschnittliche gewerbliche Kredithöhe: 425.000 $
• Gewerbliche Einlagenkonten: 3.900 aktive Konten

Privatkunden im Privatkundengeschäft

Im Dezember 2023 hatte die Seacoast Bank 310.000 private Privatkunden.

Kundentyp	Anzahl der Kunden	Durchschnittlicher Kontostand
Persönliche Überprüfung	185,000	$8,750
Persönliche Ersparnisse	125,000	$15,300

Professionelle Dienstleister

Die Bank betreut 1.800 professionelle Dienstleister mit einem Gesamtkreditportfolio von 420 Millionen US-Dollar in diesem Segment.

• Juristen: 450 Kunden
• Gesundheitsdienstleister: 680 Kunden
• Wirtschaftsprüfungsgesellschaften: 370 Kunden
• Beratungsleistungen: 300 Kunden

Community-basierte Organisationen

Die Seacoast Bank unterstützt 280 gemeindebasierte Organisationen mit spezialisierten Bankdienstleistungen.

Organisationstyp	Anzahl der Organisationen	Gesamteinlagen
Gemeinnützige Organisationen	180	42,5 Millionen US-Dollar
Lokale Stiftungen	65	18,3 Millionen US-Dollar
Gemeinschaftsverbände	35	7,2 Millionen US-Dollar

Seacoast Banking Corporation of Florida (SBCF) – Geschäftsmodell: Kostenstruktur

Wartung der Technologieinfrastruktur

Jährliche Ausgaben für Technologieinfrastruktur für die Seacoast Banking Corporation of Florida im Jahr 2023: 24,3 Millionen US-Dollar

Kategorie „Technologiekosten“.	Ausgabenbetrag
Wartung von IT-Systemen	8,7 Millionen US-Dollar
Cybersicherheitsinfrastruktur	6,2 Millionen US-Dollar
Digitale Banking-Plattformen	5,4 Millionen US-Dollar
Netzwerk- und Kommunikationssysteme	4 Millionen Dollar

Gehälter und Leistungen der Mitarbeiter

Gesamtaufwand für die Mitarbeitervergütung für 2023: 156,8 Millionen US-Dollar

• Durchschnittliches Mitarbeitergehalt: 85.300 $
• Gesamtzahl der Mitarbeiter: 1.237
• Zuteilung von Leistungen an Arbeitnehmer: 28 % der Gesamtvergütung

Kosten für die Einhaltung gesetzlicher Vorschriften

Gesamtkosten für die Einhaltung gesetzlicher Vorschriften im Jahr 2023: 12,5 Millionen US-Dollar

Compliance-Bereich	Ausgabenbetrag
Rechtliche und regulatorische Berichterstattung	4,3 Millionen US-Dollar
Risikomanagement	3,9 Millionen US-Dollar
Audit und interne Kontrollen	4,3 Millionen US-Dollar

Betriebskosten der Filiale

Gesamtbetriebskosten der Filiale für 2023: 42,6 Millionen US-Dollar

• Anzahl der physischen Filialen: 64
• Durchschnittliche Betriebskosten der Filiale: 665.625 $
• Miete und Betriebskosten: 18,4 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Gesamtbudget für Marketing und Kundenakquise für 2023: 9,7 Millionen US-Dollar

Marketingkanal	Ausgabenbetrag
Digitales Marketing	3,6 Millionen US-Dollar
Traditionelle Werbung	2,8 Millionen US-Dollar
Community-Engagement	1,9 Millionen US-Dollar
Kundengewinnungsprogramme	1,4 Millionen US-Dollar

Seacoast Banking Corporation of Florida (SBCF) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Im vierten Quartal 2023 meldete die Seacoast Banking Corporation einen Nettozinsertrag von 254,5 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtsaldo	Prozentsatz des Portfolios
Gewerbeimmobilien	4,2 Milliarden US-Dollar	42%
Wohnimmobilien	2,1 Milliarden US-Dollar	21%
Kommerziell & Industriell	2,8 Milliarden US-Dollar	28%
Verbraucherkredite	0,9 Milliarden US-Dollar	9%

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 63,4 Millionen US-Dollar, mit folgender Aufteilung:

• Kontoführungsgebühren: 22,1 Millionen US-Dollar
• Transaktionsgebühren für Geldautomaten und Debitkarten: 15,6 Millionen US-Dollar
• Überziehungsgebühren: 12,7 Millionen US-Dollar
• Sonstige Servicegebühren: 13 Millionen US-Dollar

Erträge aus gewerblichen Krediten

Kommerzielle Kredite generiert 97,3 Millionen US-Dollar im Umsatz für 2023, zu den wichtigsten Segmenten gehören:

• Kredite für kleine Unternehmen: 38,5 Millionen US-Dollar
• Gewerbliche Kredite für den Mittelstand: 45,2 Millionen US-Dollar
• Firmenkundendienstleistungen: 13,6 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Digitales Banking generiert 18,7 Millionen US-Dollar an Transaktionsgebühren für 2023:

Digitaler Service	Transaktionserlöse
Online-Banking-Transaktionen	8,3 Millionen US-Dollar
Mobile Banking-Transaktionen	6,9 Millionen US-Dollar
Digitale Zahlungsdienste	3,5 Millionen Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Umsatz aus Wertpapierdienstleistungen für 2023 erreicht 42,6 Millionen US-Dollar, einschließlich:

• Vermögensverwaltungsgebühren: 24,3 Millionen US-Dollar
• Finanzberatungsdienste: 12,8 Millionen US-Dollar
• Ruhestandsplanungsdienste: 5,5 Millionen US-Dollar

Seacoast Banking Corporation of Florida (SBCF) - Canvas Business Model: Value Propositions

You're looking at what Seacoast Banking Corporation of Florida actually offers its clients-the core reasons they choose this bank over others in the Sunshine State. It's a blend of big-bank capability with a local feel.

Integrated financial services: commercial, retail, mortgage, and wealth management

Seacoast Banking Corporation of Florida delivers a full spectrum of financial products. As of June 30, 2025, the bank managed approximately $15.9 billion in assets and held $12.5 billion in deposits. The services span commercial and consumer banking, mortgage solutions, and wealth management. For instance, wealth management Assets Under Management reached $2.5 billion as of September 30, 2025.

Community-bank service model delivered at a large, regional scale

This is about being big enough to matter but local enough to care. Seacoast Banking Corporation of Florida is one of the largest community banks headquartered in Florida, operating 84 full-service branches across the state as of June 30, 2025. Strategically, they are positioned as the #1 Florida-based bank in the high-growth Orlando Metropolitan Statistical Area (MSA) and Palm Beach County. This scale supports a relationship-focused approach, evidenced by consumer deposits making up 41% of the total base, with an average consumer account balance of $25,000.

Financial strength and stability, evidenced by a fortress balance sheet

The bank emphasizes a resilient financial footing. As of Q3 2025, the Tier 1 capital ratio stood at 14.5%, and the Common Equity Tier 1 capital ratio was 14.0% at June 30, 2025. Asset quality remains tight, with nonperforming loans decreasing to 0.55% of total loans in the third quarter of 2025, and net charge-offs holding low at 0.12% of average loans. That's real stability you can bank on.

Here's a quick look at the capital and credit metrics supporting that claim:

Metric	Value (as of mid-2025/Q3 2025)
Tier 1 Capital Ratio	14.5%
Common Equity Tier 1 Capital Ratio	14.0%
Nonperforming Loans to Total Loans	0.55%
Net Charge-offs to Average Loans	0.12%

Convenient, resilient omnichannel access including 40,000+ surcharge-free ATMs

You get access where you need it, digitally and physically. While you asked for 40,000+, Seacoast Banking Corporation of Florida offers fee-free access at more than 55,000+ Allpoint® ATMs worldwide. This network includes cash withdrawals and balance inquiries at retailers like CVS and Walgreens. This is layered on top of their physical presence of 84 branches across Florida.

Tailored commercial solutions with dedicated, local relationship managers

For business clients, the value is in dedicated expertise and portfolio focus. The bank saw robust organic loan growth of 8% annualized in Q3 2025. The commercial lending side is supported by a well-diversified loan book where commercial and financial loans make up 16% of the total portfolio, with an average commercial loan size of $838 thousand. This suggests a focus on meaningful, relationship-driven commercial relationships rather than just high-volume, small-ticket lending.

The core offerings supporting these propositions include:

• Integrated commercial and retail banking.
• Mortgage services execution.
• Wealth management AUM growth of 24% year-over-year (Q3 2025).
• Organic deposit growth annualized at 7% in Q3 2025.

Finance: draft the next section on Customer Segments by Friday.

Seacoast Banking Corporation of Florida (SBCF) - Canvas Business Model: Customer Relationships

You're looking at how Seacoast Banking Corporation of Florida (SBCF) builds and keeps its client base, which is the engine for its growth strategy centered on Florida expansion.

Dedicated relationship managers for commercial and wealth clients is a core tenet. This focus is evident in the strategic investment in talent, such as adding 10 new bankers in the period leading up to early 2025 to expand commercial teams. This human capital supports the growing wealth management segment, which is a key driver of noninterest income.

The high-touch advisory model supports complex needs. Wealth management Assets Under Management (AUM) reached $2.5 billion as of September 30, 2025, marking a 24% increase year-over-year. Since 2021, AUM has grown at a compound annual growth rate (CAGR) of 25%. This growth in advisory services naturally requires dedicated, expert relationship management.

The service delivery is a blended digital and human interaction model. The bank emphasizes its granular, relationship-focused deposit franchise. Customer transaction accounts, which require more active service, represented 48% of total deposits as of the third quarter of 2025. This is down slightly from 50% at December 31, 2024, but still shows significant engagement.

SBCF leverages core data to drive personalized cross-selling. The deposit base is intentionally granular; the top ten depositors represented only approximately 3% of total deposits in Q3 2025. This low concentration suggests a broad, relationship-driven customer base rather than reliance on a few large, potentially flighty, accounts. The consumer segment is a significant part of this base.

Here's a quick look at the deposit relationship structure based on recent data:

Deposit Metric	Q3 2025 Data Point	Dec 31, 2024 Data Point
Customer Transaction Accounts (% of Total Deposits)	48%	50%
Top Ten Depositors (% of Total Deposits)	Approx. 3%	Approx. 4%
Consumer Deposits (% of Total Funding)	41%	41%
Average Consumer Customer Balance	$25,000	$25,000

Community-focused engagement builds local trust, which is critical for deposit gathering. The acquisition of Villages Bancorporation, Inc. is a prime example, immediately providing Seacoast Banking Corporation of Florida with a dominant 51% market share in The Villages MSA. This move deepens integration into a high-growth community.

The focus on relationship lending is also reflected in the loan mix, where Commercial and Financial loans stood at 16% of the total portfolio as of Q3 2025, closely following residential mortgages at 25%.

The relationship strategy is supported by these key relationship-driven metrics:

• Assets Under Management (AUM) growth CAGR since 2021: 25%.
• Wealth Management AUM as of September 30, 2025: $2.5 billion.
• Organic deposit growth annualized in Q3 2025: 7%.
• Non-interest-bearing deposit growth in Q3 2025: $80.4 million.
• Loan-to-Deposit Ratio projected below ~75% at year-end 2025 post-Villages closing.

Finance: draft 13-week cash view by Friday.

Seacoast Banking Corporation of Florida (SBCF) - Canvas Business Model: Channels

You're looking at how Seacoast Banking Corporation of Florida (SBCF) gets its value proposition to the customer, and honestly, it's a blend of traditional brick-and-mortar presence and modern digital reach across the Sunshine State.

The physical footprint remains a core channel, especially given the bank's focus on community and commercial relationships. As of the third quarter of 2025 reporting, Seacoast Banking Corporation of Florida maintained a network of 103 full-service physical branches across Florida. This network was recently expanded through strategic moves; for instance, the acquisition of Villages Bancorporation, Inc. on October 1, 2025, added 19 branches to the system, while the Heartland Bancshares acquisition added four branches. This physical presence supports the bank's approximately $15.9 billion in assets as of June 30, 2025.

For self-service transactions, the digital channel is robust, supporting customers who prefer not to visit a location. Seacoast Banking Corporation of Florida offers advanced mobile and online banking platforms. While specific user counts aren't public, the operational focus on this channel is clear, especially when considering the ATM strategy.

Cash access is heavily augmented by the Allpoint ATM network partnership. This channel ensures fee-free cash withdrawals far beyond the bank's own locations. The bank's own fleet of Smart ATMs maintains an uptime of over 99%. Furthermore, cardholders gain access to a massive surcharge-free network.

Here's a quick look at the scale of the physical and self-service access points:

Channel Component	Metric/Scope	Latest Available Data Point
Full-Service Physical Branches	Network Size in Florida	103 (as of June 30, 2025)
Acquired Branches (Villages)	Branch Addition (October 2025)	19
Acquired Branches (Heartland)	Branch Addition (July 2025)	4
Allpoint ATM Network	Total Worldwide Fee-Free Locations	55,000+
Allpoint ATM Network	Locations Throughout Florida	2,700
SBCF Owned ATMs	Operational Uptime	Over 99%

For high-touch, relationship-driven banking, particularly in commercial segments, the Commercial Banking Office representatives are key. These individuals actively visit client offices to manage and deepen business relationships, which is critical for maintaining the bank's granular deposit base, where the top ten depositors represented only approximately 3% of total deposits as of the third quarter of 2025.

Support and specialized inquiries are routed through the customer contact center. While specific call volume or resolution metrics aren't published, this channel serves as the necessary escalation point for issues that the self-service digital tools or the ATM network cannot resolve. The bank also emphasizes its wealth management services, which are supported through dedicated channels, evidenced by Assets Under Management reaching $2.5 billion as of September 30, 2025.

The strategy here is clear: use the 103 branches for high-value interactions and local presence, and use the 55,000+ Allpoint ATMs and digital platforms for convenient, everyday transactions. That's how you cover the whole spectrum of client needs. Finance: draft 13-week cash view by Friday.

Seacoast Banking Corporation of Florida (SBCF) - Canvas Business Model: Customer Segments

You're looking at the core client groups Seacoast Banking Corporation of Florida (SBCF) targets to drive its business, especially after its recent strategic moves in 2025. Honestly, their strategy is heavily concentrated on capturing market share within the state of Florida, which you can see reflected in the numbers.

As of September 30, 2025, Seacoast Banking Corporation of Florida managed total assets of approximately $16.7 billion and total deposits of $13.1 billion. Their market capitalization hovered around $2.72 billion. The customer segments below are the engines for this scale.

Here's a breakdown of the primary customer segments Seacoast Banking Corporation of Florida serves, along with some of the latest figures that define their importance to the bank:

• Florida-centric retail consumers seeking convenient, local banking
• Small to mid-sized businesses (SMBs) requiring commercial lending and treasury services
• High-net-worth individuals and families utilizing wealth management services
• Real estate developers and investors in the growing Florida market
• Deposit-rich customers in key growth markets like The Villages

The bank's loan portfolio composition gives you a clear view of where their lending focus lies, which directly relates to serving these segments. For instance, residential loans made up 25% of the total loan portfolio, while commercial and financial loans accounted for 16% as of the third quarter of 2025.

Customer Segment Focus	Key Metric/Data Point (As of late 2025)	Specific Financial/Statistical Number
Florida Retail Consumers	Share of Total Deposits	41% of total deposits
Florida Retail Consumers	Average Deposit Account Balance	$25,000
Small to Mid-Sized Businesses (SMBs)	Share of Loan Portfolio (Commercial & Financial)	16% of total loans
Small to Mid-Sized Businesses (SMBs)	Average Commercial Loan Size	$838 thousand
High-Net-Worth Individuals	Assets Under Management (AUM)	$2.5 billion as of September 30, 2025
High-Net-Worth Individuals	AUM Year-over-Year Growth (YOY)	24% increase
Real Estate Developers/Investors	Share of Loan Portfolio (Residential Loans)	25% of total loans
The Villages Customers (Post-Acquisition)	Market Share in The Villages	Dominant 51% market share
The Villages Customers (Post-Acquisition)	Projected Growth Contribution	$4-6 billion over 10-15 years

The focus on high-net-worth clients is clearly paying off; their wealth management AUM has seen a compound annual growth rate of 25% since 2021, hitting $2.5 billion by the end of Q3 2025. This segment contributes to the bank's fee-based revenue, which CEO Chuck Shaffer noted was continuing to expand.

For the SMB segment, Seacoast Banking Corporation of Florida has cemented its position as a local leader, specifically being the #1 Florida-based bank in the Orlando Metropolitan Statistical Area (MSA). This local dominance is key for attracting and retaining commercial relationships.

The acquisition of Villages Bancorporation, Inc. on October 1, 2025, was a direct play for the deposit-rich customer base in that specific, affluent community. That transaction added approximately $4 billion in assets and secured that 51% market share, which is a massive anchor for future deposit gathering. The bank is definitely betting big on Florida's demographic trends.

Retail consumers are the bedrock, given that consumer deposits represent 41% of the total deposit base, with an average account balance of $25,000. Even with acquisitions, the bank reported robust organic deposit growth annualized at 7% in Q3 2025, showing the core retail and commercial segments are still growing healthily.

Seacoast Banking Corporation of Florida (SBCF) - Canvas Business Model: Cost Structure

The Cost Structure for Seacoast Banking Corporation of Florida centers on its people, its physical footprint, its digital infrastructure, and the cost of funding its balance sheet growth.

Personnel expenses are a primary cost driver. While the exact breakdown of the stated $91.88 million Q3 2025 Operating Expenses is not fully itemized in public releases, the scale of the workforce is clear, with 1,522 Full-time equivalent employees reported as of June 30, 2025. The third quarter saw higher salaries and wages reflecting continued expansion and the addition of Heartland, along with higher performance-driven incentives.

Occupancy and equipment costs support the physical network. As of June 30, 2025, Seacoast Banking Corporation of Florida operated 103 full-service branches across Florida. This physical presence requires ongoing investment in leases, maintenance, and related equipment.

A significant investment in technology and digital platform maintenance is necessary to support the bank's operations alongside its physical locations. For the third quarter of 2025, outsourced data processing costs specifically totaled $9.3 million. This figure reflects higher transaction volume and growth in customers, including those added through acquisitions. The bank completed a technology conversion in the third quarter of 2025, with the full conversion expected early in the third quarter of 2026.

Interest expense on deposits and borrowings is a crucial component, directly tied to funding loan growth. While the specific interest expense figure isn't isolated, related metrics show the cost management efforts. Deposit Costs decreased by 15 basis points to 1.93%, which was attributed to proactive deposit repricing and growth in non-interest-bearing demand deposits. Net Interest Income for Q3 2025 was reported as $133.5 million or $133.9 million, showing the net result of interest earned versus interest paid.

Management maintains a focus on keeping core expense growth managed. Seacoast Banking Corporation of Florida has stated guidance expecting core expense growth of 3-4%. This disciplined approach aims to improve operating leverage, with the adjusted efficiency ratio improving to 53.8% in Q3 2025 from 55.4% in the second quarter.

Here is a summary of the key quantitative data points related to the Cost Structure:

Cost Component/Metric	Financial Number/Data Point	Period/Context
Total Operating Expenses (Proxy)	$91.7 million	Second Quarter 2025
FTE Employees	1,522	As of June 30, 2025
Full-Service Branches	103	As of June 30, 2025
Outsourced Data Processing Costs	$9.3 million	Third Quarter 2025
Core Expense Growth Guidance	3-4%	Expected Growth
Deposit Costs	1.93%	Reported Rate
Adjusted Efficiency Ratio	53.8%	Third Quarter 2025

The bank's cost management strategy involves leveraging scale from acquisitions to drive down the efficiency ratio. You see this in the improvement from 55.4% in Q2 to 53.8% in Q3, which is a tangible result of managing fixed costs against a growing asset base.

Key areas driving variable and semi-variable costs include:

• Higher salaries and wages tied to expansion and performance incentives.
• Increased outsourced data processing costs due to higher transaction volume.
• Costs associated with integrating acquired branches, such as Heartland and Villages Bancorporation.

The management of interest expense is directly managed through deposit pricing. The decrease in deposit costs to 1.93% shows success in attracting or retaining lower-cost funding sources, which directly impacts the interest expense line item that funds loan growth.

Finance: draft 13-week cash view by Friday.

Seacoast Banking Corporation of Florida (SBCF) - Canvas Business Model: Revenue Streams

You're looking at how Seacoast Banking Corporation of Florida (SBCF) actually brings in the money, which is key for understanding its valuation, especially now after those recent acquisitions.

The largest piece, by far, is the spread between what the bank earns on its assets and what it pays out on its liabilities. For the third quarter of 2025, the Net Interest Income (NII) from loans and securities totaled $133.5 million. That number reflects strong organic loan growth, which management noted was around 8% annualized, plus the impact of the recent acquisitions. The net interest margin, excluding accretion on acquired loans, expanded 3 basis points from the prior quarter to 3.32%.

The rest of the revenue comes from non-interest income, which management has been actively growing through fee-based services. This area is where you see the direct benefit of the bank's integrated financial services model. For Q3 2025, total revenue was reported around $157.2 million to $158.13 million, meaning non-interest income accounted for roughly $23.7 million to $24.22 million of that total.

Here's a breakdown of those non-interest income streams:

• Wealth management fees are a major focus; total Assets Under Management (AUM) reached $2.5 billion as of September 30, 2025, marking a 24% increase year-over-year.
• The wealth division has shown a 25% annual CAGR in AUM over the past 5 years.
• Other income components included higher gains on SBA loan sales and higher loan swap fees, with total Other Income reported at $6 million for the quarter.
• The bank also generates revenue from service charges on deposit accounts and treasury management fees, which management highlighted as delivering solid performance in the quarter.

For context on how these streams stack up, here's a look at the key components for the third quarter of 2025:

Revenue Stream Component	Amount (Q3 2025)	Context/Notes
Net Interest Income (NII)	$133.5 million	From loans and securities; up 5% from prior quarter.
Total Reported Revenue	$157.2 million - $158.13 million	Total top-line figure reported by various sources.
Total Non-Interest Income (Implied/Reported)	$23.7 million - $24.22 million	Calculated from Total Revenue minus NII, or reported as $23.82 million.
Other Income (Specific Component)	$6 million	Included higher gains on SBA loan sales and loan swap fees.
Wealth Management AUM	$2.5 billion	As of September 30, 2025; up 24% year-over-year.

The less volatile component, gains on the sale of loans and investment securities, is captured within the 'Other Income' figure, specifically noting higher gains on SBA loan sales. Management expects noninterest income in the fourth quarter to be in a range from $22 million to $24 million.

You can see the core earnings power is still dominated by the net interest margin, but the fee income streams, especially wealth management, are growing fast enough to matter significantly to the overall picture. That 25% CAGR in AUM is defintely something to watch going into 2026. Finance: draft 13-week cash view by Friday.