Seacoast Banking Corporation of Florida (SBCF): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Seacoast Banking Corporation de Florida (SBCF), una institución financiera dinámica que revoluciona la banca regional a través de su innovador lienzo de modelo de negocio. Este enfoque integral revela cómo SBCF aprovecha la experiencia del mercado local, las tecnologías digitales de vanguardia y una estrategia centrada en la comunidad para ofrecer soluciones bancarias personalizadas que las distinguen en el competitivo panorama financiero de Florida. Desde servicios de préstamos personalizados hasta plataformas digitales avanzadas, el modelo único del banco demuestra un enfoque sofisticado para satisfacer las diversas necesidades de pequeñas empresas, empresas comerciales y clientes individuales.

Seacoast Banking Corporation of Florida (SBCF) - Modelo de negocios: asociaciones clave

Redes comerciales locales y regionales en Florida

Seacoast Banking Corporation mantiene asociaciones estratégicas con:

Tipo de socio	Número de asociaciones	Cobertura geográfica
Cámara de Comercio de Florida	17 conexiones activas	Red estatal de Florida
Asociaciones comerciales locales	42 membresías activas	Florida central y sureste

Proveedores de tecnología para plataformas de banca digital

Detalles clave de la asociación tecnológica:

• Fiserv para infraestructura bancaria central
• Jack Henry & Asociados para soluciones de banca digital
• Salesforce para la gestión de relaciones con el cliente

Socios de préstamos para pequeñas empresas y comerciales

Tipo de asociación	Volumen total de préstamos colaborativos	Tamaño promedio del préstamo
Partners de préstamos de la SBA	$ 287.4 millones	$ 1.2 millones por asociación
Redes de bienes raíces comerciales	$ 412.6 millones	$ 3.5 millones por asociación

Instituciones financieras de desarrollo comunitario

Las asociaciones colaborativas incluyen:

• Fondo de préstamos comunitarios de Florida
• Red de Instituciones Financieras de Desarrollo Comunitario (CDFI)
• Agencias de desarrollo económico local

Collaboración de FinTech para soluciones bancarias innovadoras

Socio de fintech	Enfoque de colaboración	Año de implementación
Tartán	Integraciones bancarias abiertas	2022
Mezcla	Plataforma de préstamos digitales	2021
Raya	Soluciones de procesamiento de pagos	2023

Seacoast Banking Corporation of Florida (SBCF) - Modelo de negocios: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Seacoast Bank informó:

Activos totales	$ 9.08 mil millones
Depósitos totales	$ 7.84 mil millones
Cartera de préstamos	$ 6.92 mil millones

Préstamos y apoyo para pequeñas empresas

Métricas de préstamos clave para segmento de pequeñas empresas:

• Volumen de préstamo de la SBA: $ 287 millones en 2023
• Número de clientes de banca comercial: 22,500
• Tamaño promedio del préstamo para pequeñas empresas: $ 425,000

Desarrollo de la plataforma de banca digital

Usuarios de banca móvil	185,000
Transacciones bancarias en línea	3.2 millones por trimestre
Inversión bancaria digital	$ 12.4 millones en 2023

Gestión de riesgos y monitoreo de cumplimiento

Cumplimiento y métricas de gestión de riesgos:

• Personal de cumplimiento: 87 empleados a tiempo completo
• Presupuesto de cumplimiento anual: $ 6.3 millones
• Calificación de examen regulatorio: satisfactorio

Gestión de la relación con el cliente

Cuentas totales de clientes	275,000
Tasa de retención de clientes	89%
Puntuación de satisfacción del cliente	4.6/5

Seacoast Banking Corporation of Florida (SBCF) - Modelo de negocios: recursos clave

Red bancaria regional fuerte en Florida

A partir del cuarto trimestre de 2023, Seacoast Banking Corporation opera 64 sucursales de servicio completo exclusivamente en Florida. Activos totales: $ 9.4 mil millones. Depósitos totales: $ 7.8 mil millones.

Métrico de red	Cantidad
Total de ramas	64
Cobertura geográfica	Estado de Florida
Activos totales	$ 9.4 mil millones
Depósitos totales	$ 7.8 mil millones

Infraestructura avanzada de tecnología de banca digital

Inversión tecnológica en 2023: $ 24.3 millones. Las capacidades de la plataforma de banca digital incluyen:

• Aplicación de banca móvil
• Plataforma bancaria en línea
• Monitoreo de transacciones en tiempo real
• Sistemas de protección de ciberseguridad

Profesionales de gestión y banca experimentados

Composición del equipo de liderazgo:

Categoría de liderazgo	Número de profesionales
Liderazgo ejecutivo	7
Alta gerencia	24
Profesionales bancarios totales	612

Capital financiero y reservas robustas

Métricas financieras a partir del cuarto trimestre 2023:

• Relación de capital de nivel 1: 13.2%
• Relación de capital total: 14.5%
• Equidad de los accionistas: $ 1.2 mil millones
• Efectivo y equivalentes de efectivo: $ 487 millones

Datos del cliente y conocimientos de relaciones

Métricas de la base de datos de clientes:

Segmento de clientes	Total de clientes
Banca personal	153,000
Banca comercial	12,500
Base total de clientes	165,500

Seacoast Banking Corporation of Florida (SBCF) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas locales

A partir del cuarto trimestre de 2023, Seacoast Bank reportó $ 11.3 mil millones en activos totales con un enfoque en los servicios de banca comercial. El banco ofrece soluciones bancarias comerciales especializadas con un tamaño de préstamo promedio de $ 1.2 millones para empresas pequeñas a medianas en Florida.

Métricas de banca de negocios	Valor
Préstamos comerciales totales	$ 4.7 mil millones
Tamaño promedio del préstamo comercial	$ 1.2 millones
Número de clientes bancarios comerciales	8,500+

Experiencias integrales de banca digital y móvil

La plataforma digital de Seacoast Bank admite más de 250,000 usuarios activos de banca digital con las siguientes capacidades:

• Depósito de cheque móvil
• Monitoreo de transacciones en tiempo real
• Pago de factura en línea
• Apertura de cuenta digital

Tasas de préstamo competitivos para pequeñas y medianas empresas

A partir de enero de 2024, Seacoast Bank ofrece:

Tipo de préstamo	Rango de tasas de interés
Préstamos de la SBA	7.5% - 10.25%
Inmobiliario comercial	6.75% - 9.5%
Línea de crédito comercial	Prime + 2.5% a 6%

Experiencia en el mercado local y enfoque centrado en la comunidad

Seacoast Bank opera 65 sucursales en Florida con una presencia concentrada en:

• Sudeste de Florida
• Florida central
• Suroeste de Florida

Servicios financieros receptivos y personalizados

El banco mantiene un Puntuación del promotor neto de 68, indicando una alta satisfacción del cliente y prestación de servicios personalizados.

Métricas de servicio	Actuación
Tiempo promedio de respuesta al cliente	Menos de 4 horas
Tasa de retención de clientes	87%
Disponibilidad del servicio digital	99.9%

Seacoast Banking Corporation of Florida (SBCF) - Modelo de negocios: relaciones con los clientes

Gestión de relaciones personalizadas

A partir del cuarto trimestre de 2023, Seacoast Banking Corporation atiende a 21 condados en Florida con 62 sucursales de servicio completo. El banco mantiene una base de clientes de aproximadamente 230,000 cuentas, con un enfoque en experiencias bancarias personalizadas.

Segmento de clientes	Enfoque de gestión de relaciones	Puntos de contacto anuales
Banca personal	Banqueros personales dedicados	8-12 interacciones directas
Banca de negocios	Gerentes de relaciones	15-20 reuniones estratégicas
Clientes comerciales	Equipo bancario ejecutivo	Más de 24 reseñas completas

Plataformas de banca de autoservicio digital

En 2023, Seacoast reportó el 78% de las transacciones de los clientes realizadas a través de canales digitales.

• Aplicación de banca móvil: 92% de los usuarios digitales comprometidos activamente
• Plataforma de banca en línea: 135,000 usuarios digitales activos
• Apertura de la cuenta digital: 45% de las nuevas cuentas abiertas en línea

Soporte de la red de sucursales locales

Seacoast mantiene 62 ramas de servicio completo en Florida, con una sucursal promedio que atiende a aproximadamente 3.700 clientes.

Comunicación proactiva al cliente

Canal de comunicación	Frecuencia de contacto anual	Tasa de participación del cliente
Boletines por correo electrónico	12-18 por año	Tasa de apertura del 62%
Notificaciones de aplicaciones móviles	24-36 por año	Tasa de interacción del 55%
Ideas financieras personalizadas	4-6 informes detallados	Tasa de revisión del 48%

Gerentes de relaciones bancarias de negocios dedicadas

A partir de 2023, Seacoast emplea a 42 gerentes de relaciones bancarias comerciales dedicadas que sirven segmentos comerciales y de pequeñas empresas.

• Tamaño promedio de la cartera: 85-100 clientes comerciales por gerente
• Cobertura especializada de experiencia en la industria
• Revisiones comerciales estratégicas trimestrales

Seacoast Banking Corporation of Florida (SBCF) - Modelo de negocios: canales

Aplicación de banca móvil

A partir del cuarto trimestre de 2023, Seacoast Bank reportó 217,000 usuarios de banca móvil activa. La aplicación móvil es compatible 100% de los tipos de cuentas de depósito y proporciona monitoreo de transacciones en tiempo real.

Métricas de aplicaciones móviles	2023 datos
Total de usuarios móviles	217,000
Volumen de depósito de cheque móvil	$ 342 millones
Frecuencia de transacción móvil	3.7 veces por semana/usuario

Sitio web de banca en línea

La plataforma de banca en línea de Seacoast sirve a aproximadamente 185,000 clientes de banca digital con Herramientas integrales de gestión financiera.

• Servicios de pago de facturas
• Agregación de cuentas
• Historial de transacciones
• Transferencias de fondos

Ubicaciones de ramas físicas

A partir de diciembre de 2023, Seacoast opera 64 sucursales en Florida, concentradas en áreas metropolitanas.

Distribución de ramas	Número de ramas
Total de ramas	64
Ramas en áreas metropolitanas	52
Transacciones promedio de ramas diarias	1,250

Centros de llamadas de servicio al cliente

Seacoast mantiene dos centros de servicio al cliente centralizados que manejan aproximadamente 75,000 interacciones de clientes mensualmente.

• Atención al cliente 24/7
• Tiempo promedio de respuesta de llamadas: 2.3 minutos
• Tasa de satisfacción del cliente: 92%

Plataformas de comunicación digital

Seacoast utiliza múltiples canales digitales para la participación del cliente, con presencia activa en las redes sociales en todas las plataformas.

Plataforma digital	Seguidor/recuento de conexión
LinkedIn	15,700
Gorjeo	8,900
Facebook	22,400

Seacoast Banking Corporation of Florida (SBCF) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas en Florida

A partir del cuarto trimestre de 2023, Seacoast Bank atiende a aproximadamente 5.200 empresas pequeñas a medianas en Florida. La cartera total de préstamos comerciales para estos negocios fue de $ 2.3 mil millones.

Segmento de negocios	Número de negocios	Valor de la cartera de préstamos
Negocios minoristas	1,750	$ 685 millones
Servicios profesionales	1,300	$ 520 millones
Construcción/bienes raíces	1,150	$ 695 millones

Empresas comerciales locales

La base de clientes comerciales de Seacoast Bank cubre 87 condados en Florida, con una concentración en áreas metropolitanas como Miami, Orlando y Tampa.

• Ingresos de banca comercial total: $ 178.4 millones en 2023
• Tamaño promedio del préstamo comercial: $ 425,000
• Cuentas de depósito comercial: 3.900 cuentas activas

Clientes de banca minorista individual

A partir de diciembre de 2023, Seacoast Bank tenía 310,000 clientes de banca minorista individual.

Tipo de cliente	Número de clientes	Saldo de cuenta promedio
Comprobación personal	185,000	$8,750
Ahorros personales	125,000	$15,300

Proveedores de servicios profesionales

El banco atiende a 1.800 proveedores de servicios profesionales, con una cartera de préstamos total de $ 420 millones en este segmento.

• Profesionales legales: 450 clientes
• Proveedores de atención médica: 680 clientes
• Firmas de contabilidad: 370 clientes
• Servicios de consultoría: 300 clientes

Organizaciones basadas en la comunidad

Seacoast Bank apoya a 280 organizaciones comunitarias con servicios bancarios especializados.

Tipo de organización	Número de organizaciones	Depósitos totales
Organizaciones sin fines de lucro	180	$ 42.5 millones
Cimientos locales	65	$ 18.3 millones
Asociaciones comunitarias	35	$ 7.2 millones

Seacoast Banking Corporation of Florida (SBCF) - Modelo de negocio: Estructura de costos

Mantenimiento de la infraestructura tecnológica

Gastos anuales de infraestructura tecnológica para Seacoast Banking Corporation de Florida en 2023: $ 24.3 millones

Categoría de costos tecnológicos	Monto del gasto
Mantenimiento de sistemas de TI	$ 8.7 millones
Infraestructura de ciberseguridad	$ 6.2 millones
Plataformas de banca digital	$ 5.4 millones
Sistemas de red y comunicación	$ 4 millones

Salarios y beneficios de los empleados

Gastos totales de compensación de empleados para 2023: $ 156.8 millones

• Salario promedio de empleados: $ 85,300
• Número total de empleados: 1.237
• Asignación de beneficios para empleados: 28% de la compensación total

Gastos de cumplimiento regulatorio

Costos de cumplimiento regulatorio total en 2023: $ 12.5 millones

Área de cumplimiento	Monto del gasto
Informes legales y regulatorios	$ 4.3 millones
Gestión de riesgos	$ 3.9 millones
Auditoría y controles internos	$ 4.3 millones

Costos de operación de sucursal

Gastos de operación de sucursal total para 2023: $ 42.6 millones

• Número de ramas físicas: 64
• Costo operativo de sucursal promedio: $ 665,625
• Gastos de alquiler y ocupación: $ 18.4 millones

Gastos de marketing y adquisición de clientes

Presupuesto total de marketing y adquisición de clientes para 2023: $ 9.7 millones

Canal de marketing	Monto del gasto
Marketing digital	$ 3.6 millones
Publicidad tradicional	$ 2.8 millones
Compromiso comunitario	$ 1.9 millones
Programas de adquisición de clientes	$ 1.4 millones

Seacoast Banking Corporation of Florida (SBCF) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

A partir del cuarto trimestre de 2023, Seacoast Banking Corporation informó ingresos por intereses netos de $ 254.5 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total	Porcentaje de cartera
Inmobiliario comercial	$ 4.2 mil millones	42%
Inmobiliario residencial	$ 2.1 mil millones	21%
Comercial & Industrial	$ 2.8 mil millones	28%
Préstamos al consumo	$ 0.9 mil millones	9%

Tarifas de servicio bancario

Los ingresos por tarifas de servicio para 2023 totalizaron $ 63.4 millones, con el siguiente desglose:

• Tarifas de mantenimiento de la cuenta: $ 22.1 millones
• Tarifas de transacción de tarjetas de cajero automático y de débito: $ 15.6 millones
• Tarifas de sobregiro: $ 12.7 millones
• Otros cargos de servicio: $ 13 millones

Ingresos de préstamos comerciales

Préstamos comerciales generados $ 97.3 millones en ingresos para 2023, con segmentos clave que incluyen:

• Préstamos para pequeñas empresas: $ 38.5 millones
• Préstamos comerciales del mercado medio: $ 45.2 millones
• Servicios de banca corporativa: $ 13.6 millones

Tarifas de transacción bancaria digital

Banca digital generada $ 18.7 millones en tarifas de transacción para 2023:

Servicio digital	Ingresos por transacciones
Transacciones bancarias en línea	$ 8.3 millones
Transacciones bancarias móviles	$ 6.9 millones
Servicios de pago digital	$ 3.5 millones

Servicios de inversión y gestión de patrimonio

Los ingresos por servicios de inversión para 2023 alcanzaron $ 42.6 millones, incluido:

• Tarifas de gestión de activos: $ 24.3 millones
• Servicios de asesoramiento financiero: $ 12.8 millones
• Servicios de planificación de jubilación: $ 5.5 millones

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.