Seacoast Banking Corporation da Flórida (SBCF): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Seacoast Banking Corporation da Flórida (SBCF), uma instituição financeira dinâmica que está revolucionando o banco regional por meio de sua inovadora modelo de negócios. Essa abordagem abrangente revela como a SBCF aproveita a experiência do mercado local, as tecnologias digitais de ponta e uma estratégia focada na comunidade para fornecer soluções bancárias personalizadas que as diferenciam no cenário financeiro competitivo da Flórida. Desde serviços de empréstimos personalizados até plataformas digitais avançadas, o modelo exclusivo do banco demonstra uma abordagem sofisticada para atender às diversas necessidades de pequenas empresas, empresas comerciais e clientes individuais.

Seacoast Banking Corporation da Flórida (SBCF) - Modelo de Negócios: Principais Parcerias

Redes de negócios locais e regionais na Flórida

A Seacoast Banking Corporation mantém parcerias estratégicas com:

Tipo de parceiro	Número de parcerias	Cobertura geográfica
Câmara de Comércio da Flórida	17 conexões ativas	Rede Estadual da Flórida
Associações comerciais locais	42 associações ativas	Central e Sudeste da Flórida

Fornecedores de tecnologia para plataformas bancárias digitais

Detalhes da Parceria Tecnológica Principais:

• Fiserv para a infraestrutura bancária principal
• Jack Henry & Associados para soluções bancárias digitais
• Salesforce para gerenciamento de relacionamento com clientes

Pequenos empresas e parceiros de empréstimos comerciais

Tipo de parceria	Volume total de empréstimos colaborativos	Tamanho médio do empréstimo
Parceiros de empréstimos da SBA	US $ 287,4 milhões	US $ 1,2 milhão por parceria
Redes imobiliárias comerciais	US $ 412,6 milhões	US $ 3,5 milhões por parceria

Instituições financeiras de desenvolvimento comunitário

Parcerias colaborativas incluem:

• Fundo de empréstimo comunitário da Flórida
• Rede de Instituições Financeiras de Desenvolvimento Comunitário (CDFI)
• Agências de desenvolvimento econômico local

Colaboração FinTech para soluções bancárias inovadoras

Fintech Partner	Foco de colaboração	Ano de implementação
Xadrez	Integrações bancárias abertas	2022
Mistura	Plataforma de empréstimo digital	2021
Listra	Soluções de processamento de pagamento	2023

Seacoast Banking Corporation da Flórida (SBCF) - Modelo de Negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre 2023, o Seacoast Bank informou:

Total de ativos	US $ 9,08 bilhões
Total de depósitos	US $ 7,84 bilhões
Portfólio de empréstimos	US $ 6,92 bilhões

Empréstimos e suporte para pequenas empresas

Métricas de empréstimos -chave para segmento de pequenas empresas:

• Volume de empréstimo da SBA: US $ 287 milhões em 2023
• Número de clientes bancários de negócios: 22.500
• Tamanho médio de empréstimo para pequenas empresas: US $ 425.000

Desenvolvimento da plataforma bancária digital

Usuários bancários móveis	185,000
Transações bancárias online	3,2 milhões por trimestre
Investimento bancário digital	US $ 12,4 milhões em 2023

Gerenciamento de riscos e monitoramento de conformidade

Métricas de conformidade e gerenciamento de riscos:

• Equipe de conformidade: 87 funcionários em tempo integral
• Orçamento anual de conformidade: US $ 6,3 milhões
• Classificação do exame regulatório: satisfatório

Gerenciamento de relacionamento com o cliente

Total de contas de clientes	275,000
Taxa de retenção de clientes	89%
Pontuação de satisfação do cliente	4.6/5

Seacoast Banking Corporation da Flórida (SBCF) - Modelo de Negócios: Recursos -Principais

Forte Rede Bancária Regional na Flórida

A partir do quarto trimestre 2023, a Seacoast Banking Corporation opera 64 agências de serviço completo exclusivamente na Flórida. Total de ativos: US $ 9,4 bilhões. Total de depósitos: US $ 7,8 bilhões.

Métrica de rede	Quantidade
Filiais totais	64
Cobertura geográfica	Estado da Flórida
Total de ativos	US $ 9,4 bilhões
Total de depósitos	US $ 7,8 bilhões

Infraestrutura de tecnologia bancária digital avançada

Investimento de tecnologia em 2023: US $ 24,3 milhões. Os recursos da plataforma bancária digital incluem:

• Aplicativo bancário móvel
• Plataforma bancária online
• Monitoramento de transações em tempo real
• Sistemas de proteção de segurança cibernética

Profissionais de gestão e bancos experientes

Composição da equipe de liderança:

Categoria de liderança	Número de profissionais
Liderança executiva	7
Gestão sênior	24
Total de profissionais bancários	612

Capital financeiro robusto e reservas

Métricas financeiras a partir do quarto trimestre 2023:

• Tier 1 Capital Ratio: 13,2%
• Razão de capital total: 14,5%
• Equidade dos acionistas: US $ 1,2 bilhão
• Caixa e equivalentes em dinheiro: US $ 487 milhões

Dados do cliente e insights de relacionamento

Métricas de banco de dados de clientes:

Segmento de clientes	Total de clientes
Bancos pessoais	153,000
Bancos comerciais	12,500
Base total de clientes	165,500

Seacoast Banking Corporation da Flórida (SBCF) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para empresas locais

A partir do quarto trimestre de 2023, o Seacoast Bank registrou US $ 11,3 bilhões em ativos totais, com foco nos serviços bancários de negócios. O banco fornece soluções bancárias comerciais especializadas com um tamanho médio de empréstimo de US $ 1,2 milhão para pequenas e médias empresas na Flórida.

Métricas bancárias de negócios	Valor
Empréstimos comerciais totais	US $ 4,7 bilhões
Tamanho médio de empréstimo comercial	US $ 1,2 milhão
Número de clientes bancários de negócios	8,500+

Experiências de bancos digitais e móveis abrangentes

A plataforma digital do Seacoast Bank suporta mais de 250.000 usuários de banco digital ativo com os seguintes recursos:

• Depósito de cheque móvel
• Monitoramento de transações em tempo real
• Pagamento on -line
• Abertura da conta digital

Taxas de empréstimos competitivos para pequenas e médias empresas

Em janeiro de 2024, o Seacoast Bank oferece:

Tipo de empréstimo	Intervalo de taxa de juros
Empréstimos da SBA	7.5% - 10.25%
Imóveis comerciais	6.75% - 9.5%
Linha de crédito comercial	Prime + 2,5% a 6%

Experiência no mercado local e abordagem focada na comunidade

O Seacoast Bank opera 65 agências em toda a Flórida com uma presença concentrada em:

• Sudeste da Flórida
• Flórida Central
• Southwest Florida

Serviços financeiros responsivos e personalizados

O banco mantém um Pontuação do promotor líquido de 68, indicando alta satisfação do cliente e prestação de serviços personalizados.

Métricas de serviço	Desempenho
Tempo médio de resposta ao cliente	Menos de 4 horas
Taxa de retenção de clientes	87%
Disponibilidade de serviço digital	99.9%

Seacoast Banking Corporation da Flórida (SBCF) - Modelo de Negócios: Relacionamentos do Cliente

Gerenciamento de relacionamento personalizado

A partir do quarto trimestre de 2023, a Seacoast Banking Corporation atende 21 municípios da Flórida com 62 filiais de serviço completo. O banco mantém uma base de clientes de aproximadamente 230.000 contas, com foco em experiências bancárias personalizadas.

Segmento de clientes	Abordagem de gerenciamento de relacionamento	Pontos de contato anuais
Bancos pessoais	Banqueiros pessoais dedicados	8-12 Interações diretas
Banking de negócios	Gerentes de relacionamento	15-20 reuniões estratégicas
Clientes comerciais	Equipe bancário executivo	Mais de 24 revisões abrangentes

Plataformas bancárias de autoatendimento digital

Em 2023, a Seacoast registrou 78% das transações de clientes realizadas por meio de canais digitais.

• Aplicativo bancário móvel: 92% dos usuários digitais ativamente engajados
• Plataforma bancária online: 135.000 usuários digitais ativos
• Abertura da conta digital: 45% das novas contas abertas online

Suporte de rede de filiais locais

O Seacoast mantém 62 filiais de serviço completo em toda a Flórida, com uma filial média atendendo a aproximadamente 3.700 clientes.

Comunicação proativa do cliente

Canal de comunicação	Frequência de contato anual	Taxa de envolvimento do cliente
Boletins por e -mail	12-18 por ano	62% de taxa de abertura
Notificações de aplicativos móveis	24-36 por ano	Taxa de interação de 55%
Insights financeiros personalizados	4-6 Relatórios detalhados	Taxa de revisão de 48%

Gerentes de relacionamento bancários de negócios dedicados

A partir de 2023, a Seacoast emprega 42 gerentes dedicados de relacionamento bancário de negócios que atendem a segmentos comerciais e de pequenas empresas.

• Tamanho médio do portfólio: 85-100 clientes comerciais por gerente
• Cobertura especializada da experiência do setor
• Revisões de negócios estratégicos trimestrais

Seacoast Banking Corporation of Florida (SBCF) - Modelo de Negócios: Canais

Aplicativo bancário móvel

A partir do quarto trimestre de 2023, o Seacoast Bank reportou 217.000 usuários de bancos móveis ativos. O aplicativo móvel suporta 100% dos tipos de conta de depósito e fornece monitoramento de transações em tempo real.

Métricas de aplicativos móveis	2023 dados
Total de usuários móveis	217,000
Volume de depósito de cheque móvel	US $ 342 milhões
Frequência de transação móvel	3,7 vezes por semana/usuário

Site bancário online

A plataforma bancária on -line da Seacoast serve aproximadamente 185.000 clientes bancários digitais com ferramentas abrangentes de gerenciamento financeiro.

• Serviços de pagamento de contas
• Agregação de conta
• Histórico de transações
• Transferências de fundos

Locais de ramificação física

Em dezembro de 2023, a Seacoast opera 64 filiais em toda a Flórida, concentrada em áreas metropolitanas.

Distribuição de ramificação	Número de ramificações
Filiais totais	64
Ramos nas áreas metropolitanas	52
Transações médias diárias de ramificação	1,250

Centros de atendimento ao cliente

O Seacoast mantém dois centros centralizados de atendimento ao cliente que lidam com aproximadamente 75.000 interações com os clientes mensalmente.

• Suporte ao cliente 24 horas por dia, 7 dias por semana
• Tempo médio de resposta de chamada: 2,3 minutos
• Taxa de satisfação do cliente: 92%

Plataformas de comunicação digital

A Seacaast utiliza vários canais digitais para o envolvimento do cliente, com Presença ativa da mídia social entre plataformas.

Plataforma digital	Contagem de seguidores/conexão
LinkedIn	15,700
Twitter	8,900
Facebook	22,400

Seacoast Banking Corporation da Flórida (SBCF) - Modelo de Negócios: Segmentos de Clientes

Pequenas e médias empresas na Flórida

A partir do quarto trimestre de 2023, o Seacoast Bank atende aproximadamente 5.200 empresas pequenas e médias em toda a Flórida. A carteira total de empréstimos comerciais para essas empresas foi de US $ 2,3 bilhões.

Segmento de negócios	Número de negócios	Valor da carteira de empréstimos
Negócios de varejo	1,750	US $ 685 milhões
Serviços profissionais	1,300	US $ 520 milhões
Construção/imóveis	1,150	US $ 695 milhões

Empresas comerciais locais

A base de clientes comercial do Seacoast Bank abrange 87 municípios da Flórida, com uma concentração em áreas metropolitanas como Miami, Orlando e Tampa.

• Receita bancária comercial total: US $ 178,4 milhões em 2023
• Tamanho médio de empréstimo comercial: US $ 425.000
• Contas de depósito comercial: 3.900 contas ativas

Clientes bancários de varejo individuais

Em dezembro de 2023, o Seacoast Bank tinha 310.000 clientes de banco de varejo individuais.

Tipo de cliente	Número de clientes	Saldo médio da conta
Verificação pessoal	185,000	$8,750
Economia pessoal	125,000	$15,300

Provedores de serviços profissionais

O banco atende 1.800 provedores de serviços profissionais, com uma carteira de empréstimos total de US $ 420 milhões nesse segmento.

• Profissionais de advogados: 450 clientes
• Provedores de saúde: 680 clientes
• Empresas de contabilidade: 370 clientes
• Serviços de consultoria: 300 clientes

Organizações comunitárias

O Seacoast Bank suporta 280 organizações comunitárias com serviços bancários especializados.

Tipo de organização	Número de organizações	Total de depósitos
Organizações sem fins lucrativos	180	US $ 42,5 milhões
Fundações locais	65	US $ 18,3 milhões
Associações comunitárias	35	US $ 7,2 milhões

Seacoast Banking Corporation da Flórida (SBCF) - Modelo de Negócios: Estrutura de Custos

Manutenção de infraestrutura de tecnologia

Despesas anuais de infraestrutura de tecnologia para a Seacoast Banking Corporation da Flórida em 2023: US $ 24,3 milhões

Categoria de custo de tecnologia	Quantidade de despesa
Manutenção de sistemas de TI	US $ 8,7 milhões
Infraestrutura de segurança cibernética	US $ 6,2 milhões
Plataformas bancárias digitais	US $ 5,4 milhões
Sistemas de rede e comunicação	US $ 4 milhões

Salários e benefícios dos funcionários

Despesas totais de compensação de funcionários para 2023: US $ 156,8 milhões

• Salário médio de funcionários: US $ 85.300
• Número total de funcionários: 1.237
• Alocação de benefícios dos funcionários: 28% da compensação total

Despesas de conformidade regulatória

Custos totais de conformidade regulatória em 2023: US $ 12,5 milhões

Área de conformidade	Quantidade de despesa
Relatórios legais e regulatórios	US $ 4,3 milhões
Gerenciamento de riscos	US $ 3,9 milhões
Auditoria e controles internos	US $ 4,3 milhões

Custos de operação da filial

Despesas totais de operação de ramificação para 2023: US $ 42,6 milhões

• Número de ramos físicos: 64
• Custo operacional médio de ramificação: US $ 665.625
• Despesas de aluguel e ocupação: US $ 18,4 milhões

Despesas de marketing e aquisição de clientes

Orçamento total de marketing e aquisição de clientes para 2023: US $ 9,7 milhões

Canal de marketing	Quantidade de despesa
Marketing digital	US $ 3,6 milhões
Publicidade tradicional	US $ 2,8 milhões
Engajamento da comunidade	US $ 1,9 milhão
Programas de aquisição de clientes	US $ 1,4 milhão

Seacoast Banking Corporation da Flórida (SBCF) - Modelo de Negócios: Fluxos de Receita

Receita de juros de carteiras de empréstimos

A partir do quarto trimestre de 2023, a Seacoast Banking Corporation registrou receita de juros líquidos de US $ 254,5 milhões. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Balanço total	Porcentagem de portfólio
Imóveis comerciais	US $ 4,2 bilhões	42%
Imóveis residenciais	US $ 2,1 bilhões	21%
Comercial & Industrial	US $ 2,8 bilhões	28%
Empréstimos ao consumidor	US $ 0,9 bilhão	9%

Taxas de serviço bancário

A receita da taxa de serviço para 2023 totalizou US $ 63,4 milhões, com o seguinte quebra:

• Taxas de manutenção da conta: US $ 22,1 milhões
• Taxas de transação em caixa eletrônico e de débito: US $ 15,6 milhões
• Taxas de cheque especial: US $ 12,7 milhões
• Outros cobranças de serviço: US $ 13 milhões

Receitas de empréstimos comerciais

Empréstimos comerciais gerados US $ 97,3 milhões em receita para 2023, com os principais segmentos, incluindo:

• Empréstimos para pequenas empresas: US $ 38,5 milhões
• Empréstimos comerciais do mercado médio: US $ 45,2 milhões
• Serviços bancários corporativos: US $ 13,6 milhões

Taxas de transação bancária digital

Banco digital gerado US $ 18,7 milhões nas taxas de transação para 2023:

Serviço digital	Receita de transação
Transações bancárias online	US $ 8,3 milhões
Transações bancárias móveis	US $ 6,9 milhões
Serviços de pagamento digital	US $ 3,5 milhões

Serviços de investimento e gerenciamento de patrimônio

Receita de serviços de investimento para 2023 alcançou US $ 42,6 milhões, incluindo:

• Taxas de gerenciamento de ativos: US $ 24,3 milhões
• Serviços de Consultoria Financeira: US $ 12,8 milhões
• Serviços de planejamento de aposentadoria: US $ 5,5 milhões

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.