Seacoast National Bank
Stuart, Florida · FDIC Cert #131
Seacoast National Bank is an FDIC-insured bank (Certificate #131) with $14.9B in total assets and $12.1B in total deposits as of the Q2 2024 Call Report. Headquartered in Stuart, Florida, the bank maintains a Tier 1 capital ratio of 14.08% (Well-Capitalized) and a nonperforming loan ratio of 0.63%. BankHealthData assigns a composite Health Grade of A (82/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Seacoast National Bank (FDIC cert 131) is a large bank with $14.9B in total assets and $12.1B in deposits, headquartered in Stuart, Florida. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 14.08% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.63% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 22.5% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.01% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Seacoast National Bank carries a composite BankHealth grade of A (82/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Seacoast National Bank
- Total Assets
- $14.9B
- Total Deposits
- $12.1B
- Tier 1 Capital Ratio
- 14.08%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.63%
- Liquidity Ratio
- 22.54%
- Return on Assets
- 1.01%
- Headquarters
- Stuart, Florida
- FDIC Certificate
- #131
- Health Grade
- A (82/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Seacoast National Bank holds a Tier 1 capital ratio of 14.08%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Seacoast National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Seacoast National Bank shows strong financial health indicators. With $14.9B in assets and a Health Score of 82/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Seacoast National Bank Compares
Seacoast National Bank’s Health Score of 82 is 8 points above the Florida state average of 74 across 83 FDIC-insured banks. Its 14.08% Tier 1 capital ratio is 0.1 points above the US banking industry average near 14%. The 0.63% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.01% is below the national ROA benchmark of ~1.1%. Among 125 similarly-sized banks, the average Health Score is 77, meaning this bank ranks above its size cohort. Site-wide, Seacoast National Bank is 12 points above the portfolio average of 70.
Frequently Asked Questions
Seacoast National Bank has a Bank Health Score of A (82/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.08%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Seacoast National Bank's Tier 1 capital ratio of 14.08% and nonperforming loan ratio of 0.63% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Seacoast National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #131). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Seacoast National Bank holds $14.9B in total assets and $12.1B in total deposits. It is headquartered in Stuart, Florida (FDIC Certificate #131).
Seacoast National Bank has a Tier 1 capital ratio of 14.08%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.63%, and the return on assets is 1.01%.
Yes. Seacoast National Bank is FDIC-insured (Certificate #131). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Seacoast National Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.