8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): October 27, 2025

SEACOAST BANKING CORPORATION OF FLORIDA

(Exact Name of Registrant as Specified in Charter)

Florida	000-13660	59-2260678
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)

815 COLORADO AVENUE,	STUART	FL	34994
(Address of Principal Executive Offices)			(Zip Code)

Registrant’s telephone number, including area code (772) 287-4000

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.10 par value	SBCF	Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

SEACOAST BANKING CORPORATION OF FLORIDA

Item 2.02    Results of Operations and Financial Condition

On October 27, 2025, Seacoast Banking Corporation of Florida ("Seacoast or the "Company") announced its financial results for the quarter ended September 30, 2025. A copy of the press release announcing Seacoast’s results for the quarter ended September 30, 2025, is attached hereto as Exhibit 99.1 and incorporated herein by reference.

Item 7.01    Regulation FD Disclosure

On October 28, 2025, Seacoast will hold an investor conference call to discuss its financial results for the quarter ended September 30, 2025. Attached as Exhibit 99.2 are charts containing information used in the conference call and incorporated herein by reference, which are also available on the Company's website at www.seacoastbanking.com. All information included in the charts is presented as of September 30, 2025, and the Company does not assume any obligation to correct or update said information in the future.

The information in Items 2.02 and 7.01, as well as Exhibits 99.1 and 99.2 is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.

Item 9.01    Financial Statements and Exhibits

(d) Exhibits

Exhibit No.	Description
99.1	Press Release dated October 27, 2025, with respect to Seacoast's financial results for the quarter ended September 30, 2025
99.2	Data on website containing information used in the conference call to be held on October 28, 2025
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

Exhibits 99.1 and 99.2 referenced herein, contain “forward-looking statements” within the meaning, and protections, of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including, without limitation, statements about future financial and operating results, cost savings, enhanced revenues, economic and seasonal conditions in the Company’s markets, and improvements to reported earnings that may be realized from cost controls, tax law changes, new initiatives and for integration of banks that the Company has acquired or expects to acquire, as well as statements with respect to Seacoast's objectives, strategic plans, expectations and intentions and other statements that are not historical facts. Actual results may differ from those set forth in the forward-looking statements.

Forward-looking statements include statements with respect to the Company’s beliefs, plans, objectives, goals, expectations, anticipations, assumptions, estimates and intentions about future performance and involve known and unknown risks, uncertainties and other factors, which may be beyond the Company’s control, and which may cause the actual results, performance or achievements of Seacoast Banking Corporation of Florida or its wholly-owned banking subsidiary, Seacoast National Bank, to be materially different from future results, performance or achievements expressed or implied by such forward-looking statements. You should not expect the Company to update any forward-looking statements.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

SEACOAST BANKING CORPORATION OF FLORIDA

Dated: October 27, 2025	/s/ Tracey L. Dexter
	Tracey L. Dexter
	Chief Financial Officer

EX-99.1

SEACOAST REPORTS THIRD QUARTER 2025RESULTS

Strong Organic Growth in Both Deposit and Loan Outstandings

Completed Acquisition of Heartland Bancshares, Inc.

Continued Robust Capital and Liquidity Position

STUART, Fla., October 27, 2025 /BUSINESS WIRE/ -- Seacoast Banking Corporation of Florida ("Seacoast" or the "Company") (NASDAQ: SBCF) today reported net income in the third quarter of 2025 of $36.5 million, or $0.42 per diluted share, compared to $42.7 million, or $0.50 per diluted share, in the second quarter of 2025 and $30.7 million, or $0.36 per diluted share, in the third quarter of 2024. For the nine months ended September 30, 2025 and 2024, net income was $110.6 million, or $1.28 per diluted share, and $86.9 million, or $1.02 per diluted share, respectively.

Adjusted net income1 for the third quarter of 2025 was $45.2 million, or $0.52 per diluted share, compared to $44.5 million, or $0.52 per diluted share, in the second quarter of 2025 and $30.5 million, or $0.36 per diluted share, in the third quarter of 2024. For the nine months ended September 30, 2025 and 2024, adjusted net income1 was $121.7 million, or $1.41 per diluted share, and $91.9 million, or $1.08 per diluted share, respectively.

ThirdQuarter 2025 Highlights

•Net income, which included $10.8 million in merger-related charges, increased 19% from the prior year quarter to $36.5 million, or $0.42 per share.

•Adjusted net income1 increased 48% from the prior year quarter to $45.2 million, or $0.52 per share.

•7% annualized organic deposit growth.

•8% annualized organic loan growth.

•Tangible book value per share of $17.61, representing a 9% increase year over year, well overcoming the dilutive effect of the Heartland acquisition.

•Continued industry-leading strength in capital and liquidity.

Charles M. Shaffer, Seacoast's Chairman and CEO, stated, “Our competitive transformation is being realized and is delivering exceptional results. In the third quarter, we sustained strong momentum in growing net interest income, driven by very strong performance in both loan and deposit growth.”

Shaffer added, “Strategic investments in high quality bankers have fueled robust loan production and pipeline expansion, contributing to consistent gains across our diversified revenue streams—including treasury management, wealth management, and insurance agency income. We remain steadfast in our disciplined approach to credit, and our balance sheet ranks among the strongest in the industry, with a tangible common equity to tangible assets ratio rising to 9.76% and a Tier 1 capital ratio of 14.5% as of September 30, 2025.”

Shaffer concluded, “We’re pleased to have closed The Villages Bancorporation, Inc. acquisition on October 1, 2025, which, combined with the closing of our Heartland Bancshares, Inc. acquisition in July of 2025, will position us for even stronger profitability measures and earnings in the periods ahead.”

Pre-tax pre-provision earnings1 were $55.9 million in the third quarter of 2025 and included $10.8 million in merger-related charges. Pre-tax pre-provision earnings1 in the third quarter of 2025decreased $4.3 million, or 7%, compared to the second quarter of 2025 and increased$9.8 million, or 21%, compared to the third quarter of 2024. For the nine months ended September 30, 2025 and 2024, pre-tax pre-provision earnings1 were $166.7 million and $126.3 million, respectively. Adjusted pre-tax pre-provision earnings1 were $67.2 million in the third quarter of 2025, an increase of $4.6 million, or 7%, compared to the second quarter of 2025 and an increase of $20.8 million,

1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and for a reconciliation to GAAP.

or 45%, compared to the third quarter of 2024. For the nine months ended September 30, 2025 and 2024, adjusted pre-tax pre-provision earnings1 were $181.5 million and $133.4 million, respectively.

For the third quarter of 2025, return on average tangible assets was 1.04% and return on average tangible shareholders' equity was 10.70%, compared to 1.24% and 12.82%, respectively, in the prior quarter, and 0.99% and 10.31%, respectively, in the prior year quarter. For the nine months ended September 30, 2025, return on average tangible assets was 1.09% and return on average tangible shareholders' equity was 11.23%. For the nine months ended September 30, 2024, return on average tangible assets was 0.96% and return on average tangible shareholders' equity was 10.21%. Adjusted return on average tangible assets1 in the third quarter of 2025 was 1.26% and adjusted return on average tangible shareholders' equity1 was 12.98%, compared to 1.29% and 13.31%, respectively, in the prior quarter, and 0.98% and 10.27%, respectively, in the prior year quarter. For the nine months ended September 30, 2025, adjusted return on average tangible assets1 was 1.19% and adjusted return on average tangible shareholders' equity1 was 12.25%. For the nine months ended September 30, 2024, adjusted return on average tangible assets1 was 1.01% and adjusted return on average tangible shareholders' equity1 was 10.72%.

Acquisitions Update

On July 11, 2025, the Company completed its acquisition of Heartland Bancshares, Inc. (“Heartland”), adding approximately $153.3 million in loans and $705.2 million in deposits, along with four branches in Central Florida. Integration activities, including system conversion, were also completed in the third quarter of 2025.

On October 1, 2025, the Company completed its acquisition of Villages Bancorporation, Inc (“VBI”). This transformative transaction expands the Company’s presence in North Central Florida and into The Villages® community, adding 19 branches and approximately $4 billion in assets. VBI’s future growth potential and low loan-to-deposit ratio provide significant opportunity for expansive growth throughout the Seacoast footprint. Full integration and system conversion activities are expected to be completed in the third quarter of 2026.

Financial Results

Income Statement

•Net income in the third quarter of 2025 was $36.5 million, or $0.42 per diluted share, compared to $42.7 million, or $0.50 per diluted share, in the prior quarter and $30.7 million, or $0.36 per diluted share, in the prior year quarter. Adjusted net income1 for the third quarter of 2025 was $45.2 million, or $0.52 per diluted share, compared to $44.5 million, or $0.52 per diluted share, for the prior quarter, and $30.5 million, or $0.36 per diluted share, for the prior year quarter.

•Net revenues were $157.3 million in the third quarter of 2025, an increase of $5.9 million, or 4%, compared to the prior quarter, and an increase of $26.9 million, or 21%, compared to the prior year quarter. Adjusted net revenues1 were $158.6 million in the third quarter of 2025, an increase of $6.8 million, or 4%, compared to the prior quarter, and an increase of $28.1 million, or 22%, compared to the prior year quarter.

•Pre-tax pre-provision earnings1 were $55.9 million in the third quarter of 2025 and included $10.8 million in merger-related charges. Pre-tax pre-provision earnings1 in the third quarter of 2025decreased $4.3 million, or 7%, compared to the second quarter of 2025 and increased$9.8 million, or 21%, compared to the third quarter of 2024. Adjusted pre-tax pre-provision earnings1 were $67.2 million in the third quarter of 2025, an increase of $4.6 million, or 7%, compared to the second quarter of 2025 and an increase of $20.8 million, or 45%, compared to the third quarter of 2024.

•Net interest income totaled $133.5 million in the third quarter of 2025, an increase of $6.6 million, or5%, compared to the prior quarter, and an increase of $26.8 million, or 25%, compared to the third quarter of 2024. The increase was largely driven by growing loan and securities balances. Interest income on loans increased by $4.8 million in the third quarter of 2025, reflecting continued strong loan production. Securities income increased $3.5 million, or 11%, with year-to-date purchases at higher yields. Included in loan interest income was accretion on acquired loans of $9.5 million in the third quarter of 2025, $10.6 million in the second quarter

1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and for a reconciliation to GAAP.

of 2025, and $9.2 million in the third quarter of 2024. Interest expense on deposits increased $2.5 million, or 6%, compared to the prior quarter, and decreased $8.8 million, or 17%, compared to the third quarter of 2024. The increase from prior quarter reflects higher balances through both organic growth and from the Heartland acquisition. Interest expense on borrowed money decreased $1.0 million, or 9%, compared to the prior quarter, and increased $3.3 million, or 51%, compared to third quarter of 2024. The decrease from the prior quarter reflects a partial repayment of wholesale borrowings during the quarter and the increase from the prior year quarter is largely due to higher short-term borrowings used to fund strategic purchases of securities in advance of the Heartland and Villages acquisitions.

•Net interest margin decreased one basis point to 3.57% in the third quarter of 2025 compared to 3.58% in the second quarter of 2025. Excluding the effects of accretion on acquired loans, net interest margin expanded three basis points to 3.32% in the third quarter of 2025 compared to 3.29% in the second quarter of 2025. Loan yields were 5.96%, a decrease of two basis points from the prior quarter. Securities yields increased five basis points to 3.92%, compared to 3.87% in the prior quarter. While the cost of deposits increased one basis point from 1.80% in the prior quarter to 1.81% in the third quarter of 2025, the cost of funds declined three basis points to 1.96% quarter over quarter.

•The provision for credit losses was $8.4 million in the third quarter of 2025, largely the result of organic growth in loans. The acquisition of Heartland resulted in a day-one provision of $1.9 million. Allowance coverage of 1.34% remains flat compared to June 30, 2025.

•Noninterest income totaled $23.8 million in the third quarter of 2025, a decrease of $0.7 million, or 3%, compared to the prior quarter, and an increase of $0.1 million, or 1%, compared to the prior year quarter. Results for the third quarter of 2025 included $0.8 million in realized losses on securities. Other changes compared to the second quarter of 2025 included:

•Service charges on deposits totaled $6.2 million, an increase of $0.7 million, or 12% from the prior quarter, and an increase of $0.8 million, or 14%, from the prior year quarter. Our investments in talent and significant market expansion have resulted in continued growth in treasury management services to commercial customers.

•Wealth management income totaled $4.6 million, an increase of $0.4 million, or 9%, from the prior quarter and an increase of $0.7 million, or 19%, from the prior year quarter. Assets under management have grown 24% year over year. The wealth management division delivered record growth, adding $258.1 million in new assets under management in the third quarter of 2025, the highest quarterly result in the division’s history.

•Bank Owned Life Insurance income totaled $3.9 million, an increase of $0.5 million, or 15%, from the prior quarter and an increase of $1.3 million, or 50% from the prior year quarter. Death benefit payouts totaled $1.3 million in the third quarter of 2025 and $0.9 million in the second quarter of 2025.

•Other income totaled $6.0 million, a decrease of $1.5 million, or 20%, from the prior quarter and a decrease of $1.9 million, or 24%, from the prior year quarter. The second quarter of 2025 included $3.0 million in tax refunds related to a prior bank acquisition. The resulting comparative decline was partially offset by higher gains on SBA loan sales and higher loan swap fees.

•Noninterest expense was $102.0 million in the third quarter of 2025, an increase of $10.3 million, or 11%, compared to the prior quarter, and an increase of $17.2 million, or 20%, compared to the prior year quarter. Merger-related charges totaled $10.8 million in the third quarter of 2025, compared to $2.4 million in the prior quarter. Results in the third quarter of 2025 included:

•Salaries and wages totaled$46.3 million, an increase of $1.9 million, or 4%, fromthe prior quarter and an increase of $5.6 million, or 14%, from the prior year quarter. The increase from the prior quarter

1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and for a reconciliation to GAAP.

reflects the continued expansion of the footprint, including the completion of the acquisition of Heartland, and higher performance driven incentive compensation.

•Employee benefits totaled $7.4 million, a decrease of $0.7 million, or 9%, fromthe prior quarter and an increase of $0.4 million, or 6%, from the prior year quarter.

•Outsourced data processing costs totaled $9.3 million, an increase of $0.8 million, or 10%, from the prior quarter and an increase of $1.3 million, or 17%, from the prior year quarter. The increase from the prior quarter reflects higher transaction volume and growth in customers, including from the acquisition of Heartland.

•Occupancy costs totaled $7.6 million, an increase of $0.1 million, or 2%, compared to the prior quarter and an increase of $0.5 million, or 7%, from the prior year quarter, largely due to growth in the branch network.

•Marketing expenses totaled $2.5 million, reflecting a decrease of $0.4 million, or 15%, compared to the prior quarter and a decrease of $0.2 million, or 8%, from the prior year quarter.

•Legal and professional fees totaled $1.7 million, a decrease of $0.4 million, or 19%, compared to the prior quarter and a decrease of $1.0 million, or 38%, from the prior year quarter. Changes between quarters are largely associated with the timing of various projects.

•Amortization of intangibles increased $0.9 million with the addition of $20.9 million in core deposit intangible assets from the Heartland acquisition. These assets will be amortized using an accelerated amortization method over approximately 10 years.

•Merger-related costs totaled $10.8 million in the third quarter of 2025 and $2.4 million in the second quarter of 2025.

•Seacoast recorded $10.5 million of income tax expense in the third quarter of 2025, compared to $12.6 million in the second quarter of 2025, and $8.6 million in the third quarter of 2024. Tax benefits related to stock-based compensation were immaterial in each period.

•The efficiency ratio was 60.66% in the third quarter of 2025, compared to 56.95% in the second quarter of 2025 and 59.84% in the prior year quarter. The adjusted efficiency ratio1,which excludes merger-related charges, improved to 53.84% in the third quarter of 2025, compared to 55.36% in the second quarter of 2025 and 59.84% in the prior year quarter. The Company continues to remain keenly focused on disciplined expense control, while making investments for growth.

Balance Sheet

•At September 30, 2025, the Company had total assets of $16.7 billion and totalshareholders' equity of $2.4 billion. Book value per share was $27.07 as of September 30, 2025, compared to $26.43 as of June 30, 2025, and $25.68 as of September 30, 2024. Tangible book value per share was $17.61 as of September 30, 2025, compared to $17.19 as of June 30, 2025, and $16.20 as of September 30, 2024. Year over year tangible book value per share increased 9%, overcoming the dilutive impact of the Heartland acquisition.

•Debt securities totaled $3.8 billion as of September 30, 2025, an increase of $331.2 million compared to June 30, 2025. Debt securities as of September 30, 2025 included approximately $3.2 billion in securities classified as available-for-sale and recorded at fair value. The unrealized loss on these securities is fully reflected in the value presented on the balance sheet. The portfolio also includes $598.6 million in securities classified as held-to-maturity with a fair value of $498.4 million. Held-to-maturity securities consist solely of mortgage-backed securities and collateralized mortgage obligations guaranteed by U.S. government agencies, each of which is expected to recover any price depreciation over its holding period as the debt securities move to maturity. The Company has significant liquidity and available borrowing capacity and has the intent and ability to hold these investments to maturity. During the third quarter of 2025, the Company purchased approximately $385 million of primarily agency mortgage-backed securities with an average yield of 5.03%.

•Loans increased $355.3 million, or 13% annualized during the third quarter of 2025, totaling $11.0 billion as of September 30, 2025. Annualized organic loan growth, after excluding Heartland, was 8%. The Company

1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and for a reconciliation to GAAP.

continues to exercise a disciplined approach to lending and is benefiting from the investments made in recent years to attract talent from large regional and national banks across its markets.

•Loan pipelines (loans in underwriting and approval or approved and not yet closed) totaled $1.2 billion as of September 30, 2025, compared to $920.9 million at June 30, 2025 and $831.1 million at September 30, 2024.

•Commercial pipelines were $1.1 billion as of September 30, 2025, compared to $861.2 million at June 30, 2025, and $773.5 million at September 30, 2024.

•Saleable residential pipelines were $21.3 million as of September 30, 2025, compared to $14.4 million at June 30, 2025, and $11.2 million at September 30, 2024. Retained residential pipelines were $19.9 million as of September 30, 2025, compared to $29.2 million at June 30, 2025, and $21.9 million at September 30, 2024.

•Consumer pipelines were $20.3 million as of September 30, 2025, compared to $16.2 million at June 30, 2025 and $24.4 million at September 30, 2024.

•Total deposits were $13.1 billion as of September 30, 2025, an increase of $592.7 million, or 19% annualized, when compared to June 30, 2025. This increase includes $705.2 million in deposits from the acquisition of Heartland and $212.3 million in organic growth, offset by a $325.7 million decline in brokered deposits. Organic growth includes $80.4 million in noninterest bearing deposits.

•7%annualized organic deposit growth in the third quarter of 2025.

•The cost of deposits increased one basis point from 1.80% in the prior quarter to 1.81% in the third quarter of 2025.

•At September 30, 2025, customer transaction account balances represented 48% of total deposits. The Company benefits from a granular deposit franchise, with the top ten depositors representing approximately 3% of total deposits.

•Consumer deposits represent 41% of overall deposit funding with an average consumer customer balance of $25 thousand. Commercial deposits represent 59% of overall deposit funding with an average business customer balance of $114 thousand.

•Federal Home Loan Bank advances totaled $690.0 million at September 30, 2025 with a weighted-average interest rate of 4.04%, compared to advances outstanding of $715.0 million at June 30, 2025 with a weighted-average interest rate of 4.15%.

Asset Quality

•The ratio of criticized and classified loans to total loans was 2.50% at September 30, 2025, compared to 2.39% at June 30, 2025, and 2.59% at September 30, 2024.

•Nonperforming loans were $60.6 million at September 30, 2025, compared to $64.2 million at June 30, 2025, and $80.9 million at September 30, 2024. Nonperforming loans to total loans outstanding were 0.55% at September 30, 2025, 0.61% at June 30, 2025, and 0.79% at September 30, 2024.

•Accruing past due loans were $20.3 million, or 0.19% of total loans, at September 30, 2025, compared to $14.2 million, or 0.13% of total loans, at June 30, 2025, and $50.7 million, or 0.50% of total loans, at September 30, 2024.

•Nonperforming assets to total assets were 0.39% at September 30, 2025, compared to 0.44% at June 30, 2025, and 0.58% at September 30, 2024.

•Theratio of allowance for credit losses to total loans was 1.34% at September 30, 2025, 1.34% at June 30, 2025, and 1.38% at September 30, 2024.

•Net charge-offs were $3.2 million in the third quarter of 2025, or 12 basis points annualized, compared to $2.5 million in the second quarter of 2025 and $7.4 million in the third quarter of 2024.

•Portfolio diversification, in terms of asset mix, industry, and loan type, has been a critical element of the Company's lending strategy. Exposure across industries and collateral types is broadly distributed. Seacoast's

1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and for a reconciliation to GAAP.

average loan size is $435 thousand, and the average commercial loan size is $871 thousand, reflecting an ability to maintain granularity within the overall loan portfolio.

•Construction and land development and commercial real estate loans remain well below regulatory guidance as of September 30, 2025 at 34% and 236% of total bank-level risk-based capital2, respectively, compared to 35% and 239%, respectively, at June 30, 2025. On a consolidated basis and as of September 30, 2025, construction and land development and commercial real estate loans represent 32% and 223%, respectively, of total consolidated risk-based capital2.

Capital and Liquidity

•The Company continues to operate with a fortress balance sheet, with a Tier 1 capital ratio at September 30, 2025 of 14.5%2 compared to 14.6% at June 30, 2025, and 14.8% at September 30, 2024. The Total capital ratio was 15.9%2, the Common Equity Tier 1 capital ratio was 13.9%2, and the Tier 1 leverage ratio was 10.9%2 at September 30, 2025. The Company is considered “well capitalized” based on applicable U.S. regulatory capital ratio requirements.

•Cash and cash equivalents at September 30, 2025 totaled $306.0 million.

•The Company’s loan-to-deposit ratio was 83.8% at September 30, 2025, which should continue to provide liquidity and flexibility moving forward.

•Tangible common equity to tangible assets was 9.76% at September 30, 2025, compared to 9.75% at June 30, 2025, and 9.64% at September 30, 2024. If all held-to-maturity securities were adjusted to fair value, the tangible common equity ratio would have been 9.30% at September 30, 2025.

•At September 30, 2025, in addition to $306.0 million in cash, the Company had $6.1 billion in available borrowing capacity, including $3.4 billion in available collateralized lines of credit, $2.3 billion of unpledged debt securities available as collateral for potential additional borrowings, and available unsecured lines of credit of $0.3 billion.

1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and for a reconciliation to GAAP.

2Estimated

FINANCIAL HIGHLIGHTS
(Amounts in thousands except per share data)	(Unaudited)
	Quarterly Trends
	3Q'25			2Q'25			1Q'25			4Q'24			3Q'24
Selected balance sheet data:
Gross loans	$	10,964,173		$	10,608,824		$	10,443,021		$	10,299,950		$	10,205,281
Total deposits	13,090,319			12,497,598			12,574,796			12,242,427			12,243,585
Total assets	16,676,904			15,944,955			15,732,485			15,176,308			15,168,371
Performance measures:
Net income	$	36,467		$	42,687		$	31,464		$	34,085		$	30,651
Net interest margin	3.57		%	3.58		%	3.48		%	3.39		%	3.17		%
Pre-tax pre-provision earnings1	$	55,887		$	60,236		$	50,590		$	47,858		$	46,086
Average diluted shares outstanding	87,425			85,479			85,388			85,302			85,069
Diluted earnings per share (EPS)	0.42			0.50			0.37			0.40			0.36
Return on (annualized):
Average assets (ROA)	0.88		%	1.08		%	0.83		%	0.89		%	0.81		%
Average tangible assets (ROTA)2	1.04			1.24			0.98			1.06			0.99
Average tangible common equity (ROTCE)2	10.70			12.82			10.17			10.90			10.31
Tangible common equity to tangible assets2	9.76			9.75			9.58			9.60			9.64
Tangible book value per share2	$	17.61		$	17.19		$	16.71		$	16.12		$	16.20
Efficiency ratio	60.66		%	56.95		%	60.28		%	56.26		%	59.84		%
Adjusted operating measures1:
Adjusted net income	$	45,164		$	44,466		$	32,102		$	40,556		$	30,511
Adjusted pre-tax pre-provision earnings	67,190			62,627			51,686			56,610			46,390
Adjusted diluted EPS	0.52			0.52			0.38			0.48			0.36
Adjusted ROA	1.09		%	1.13		%	0.85		%	1.06		%	0.81		%
Adjusted ROTA2	1.26			1.29			1.00			1.24			0.98
Adjusted ROTCE2	12.98			13.31			10.35			12.74			10.27
Adjusted efficiency ratio	53.84			55.36			59.53			56.07			59.84
Net adjusted noninterest expense as a percent of average tangible assets2	2.16		%	2.25		%	2.33		%	2.19		%	2.19		%
Other data:
Market capitalization3	$	2,673,449		$	2,373,871		$	2,202,958		$	2,355,679		$	2,277,003
Full-time equivalent employees	1,601			1,522			1,518			1,504			1,493
Number of ATMs	103			98			98			96			96
Full-service banking offices	84			79			79			77			77
1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP.
2The Company defines tangible assets as total assets less intangible assets, and tangible common equity as total shareholders' equity less intangible assets.
3Common shares outstanding multiplied by closing bid price on last day of each period.

OTHER INFORMATION

Conference Call Information

Seacoast will host a conference call on October 28, 2025, at 10:00 a.m. (Eastern Time) to discuss the third quarter of 2025 earnings results and business trends. Investors may call in (toll-free) by dialing (800) 715-9871 (Conference ID: 6579709). Charts will be used during the conference call and may be accessed at Seacoast’s website at www.SeacoastBanking.com by selecting “Presentations” under the heading “News/Events.” Additionally, a recording of the call will be made available to individuals shortly after the conference call and can be accessed via a link at www.SeacoastBanking.com under the heading “Corporate Information.” The recording will be available for one year.

About Seacoast Banking Corporation of Florida (NASDAQ: SBCF)

Seacoast Banking Corporation of Florida (NASDAQ: SBCF) is one of the largest community banks headquartered in Florida with approximately $16.7 billion in assets and $13.1 billion in deposits as of September 30, 2025. Seacoast provides integrated financial services including commercial and consumer banking, wealth management, and mortgage services to customers at 103 full-service branches across Florida, and through advanced mobile and online banking solutions. Seacoast National Bank is the wholly-owned subsidiary bank of Seacoast Banking Corporation of Florida. 19 branches recently acquired in The Villages® community and in North Central Florida will operate under the name Citizens First Bank until Seacoast’s system conversion takes place in 2026. For more information about Seacoast, visit www.SeacoastBanking.com.

Cautionary Notice Regarding Forward-Looking Statements

This press release contains “forward-looking statements” within the meaning, and protections, of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including, without limitation, statements about future financial and operating results, cost savings, enhanced revenues, economic and seasonal conditions in the Company’s markets, and improvements to reported earnings that may be realized from cost controls, tax law changes, new initiatives and for integration of banks that the Company has acquired, or expects to acquire, as well as statements with respect to Seacoast's objectives, strategic plans, expectations and intentions and other statements that are not historical facts. Actual results may differ from those set forth in the forward-looking statements.

Forward-looking statements include statements with respect to the Company’s beliefs, plans, objectives, goals, expectations, anticipations, assumptions, estimates and intentions about future performance and involve known and unknown risks, uncertainties and other factors, which may be beyond the Company’s control, and which may cause the actual results, performance or achievements of Seacoast Banking Corporation of Florida (“Seacoast” or the “Company”) or its wholly-owned banking subsidiary, Seacoast National Bank (“Seacoast Bank”), to be materially different from results, performance or achievements expressed or implied by such forward-looking statements. You should not expect the Company to update any forward-looking statements.

All statements other than statements of historical fact could be forward-looking statements. You can identify these forward-looking statements through the use of words such as "may", "will", "anticipate", "assume", "should", "support", "indicate", "would", "believe", "contemplate", "expect", "estimate", "continue", "further", "plan", "point to", "project", "could", "intend", "target" or other similar words and expressions of the future. These forward-looking statements may not be realized due to a variety of factors, including, without limitation: the impact of current and future economic and market conditions generally (including seasonality) and in the financial services industry, nationally and within Seacoast’s primary market areas, including the effects of inflationary pressures, changes in interest rates, tariffs or trade wars (including reduced consumer spending), slowdowns in economic growth, and the potential for high unemployment rates, as well as the financial stress on borrowers and changes to customer and client behavior and credit risk as a result of the foregoing; potential impacts of adverse developments in the banking industry and including impacts on customer confidence, deposit outflows, liquidity and the regulatory response thereto (including increases in the cost of our deposit insurance assessments), the Company's ability to effectively manage its liquidity risk and any growth plans, and the availability of capital and funding; governmental monetary and fiscal policies, including interest rate policies of the Board of Governors of the Federal Reserve, as

well as legislative, tax and regulatory changes, including those that impact the money supply and inflation; the risks of continued changes in interest rates on the level and composition of deposits (as well as the cost of, and competition for, deposits), loan demand, liquidity and the values of loan collateral, securities, and interest rate sensitive assets and liabilities; interest rate risks (including the impacts of interest rates on macroeconomic conditions, customer and client behavior, and on our net interest income), sensitivities and the shape of the yield curve; changes in accounting policies, rules and practices; changes in retail distribution strategies, customer preferences and behavior generally and as a result of economic factors, including heightened or persistent inflation; changes in the availability and cost of credit and capital in the financial markets; changes in the prices, values and sales volumes of residential and commercial real estate, especially as they relate to the value of collateral supporting the Company’s loans; the Company’s concentration in commercial real estate loans and in real estate collateral in Florida; Seacoast’s ability to comply with any regulatory requirements and the risk that the regulatory environment may not be conducive to or may prohibit or delay the consummation of future mergers and/or business combinations, may increase the length of time and amount of resources required to consummate such transactions, and may reduce the anticipated benefit; inaccuracies or other failures from the use of models, including the failure of assumptions and estimates, as well as differences in, and changes to, economic, market and credit conditions; the impact on the valuation of Seacoast’s investments due to market volatility or counterparty payment risk, as well as the effect of a decline in stock market prices on our fee income from our wealth management business; statutory and regulatory dividend restrictions; increases in regulatory capital requirements for banking organizations generally; the risks of mergers, acquisitions and divestitures, including Seacoast’s ability to continue to identify acquisition targets, successfully acquire and integrate desirable financial institutions and realize expected revenues and revenue synergies; changes in technology or products that may be more difficult, costly, or less effective than anticipated; the Company’s ability to identify and address increased cybersecurity risks, including those impacting vendors and other third parties which may be exacerbated by developments in generative artificial intelligence; fraud or misconduct by internal or external parties, which Seacoast may not be able to prevent, detect or mitigate; inability of Seacoast’s risk management framework to manage risks associated with the Company’s business; dependence on key suppliers or vendors to obtain equipment or services for the business on acceptable terms; reduction in or the termination of Seacoast’s ability to use the online- or mobile-based platform that is critical to the Company’s business growth strategy; the effects of war or other conflicts, acts of terrorism, natural disasters, including hurricanes in the Company’s footprint, health emergencies, epidemics or pandemics, or other catastrophic events that may affect general economic conditions and/or increase costs, including, but not limited to, property and casualty and other insurance costs; Seacoast’s ability to maintain adequate internal controls over financial reporting; potential claims, damages, penalties, fines, costs and reputational damage resulting from pending or future litigation, regulatory proceedings and enforcement actions; the risks that deferred tax assets could be reduced if estimates of future taxable income from the Company’s operations and tax planning strategies are less than currently estimated, the results of tax audit findings, challenges to our tax positions, or adverse changes or interpretations of tax laws; the effects of competition from other commercial banks, thrifts, mortgage banking firms, consumer finance companies, credit unions, non-bank financial technology providers, securities brokerage firms, insurance companies, money market and other mutual funds and other financial institutions; the failure of assumptions underlying the establishment of reserves for expected credit losses; risks related to, and the costs associated with, environmental, social and governance matters, including the scope and pace of related rulemaking activity and disclosure requirements; government actions or inactions, including a prolonged shutdown of the federal government, a deterioration of the credit rating for U.S. long-term sovereign debt, actions that the U.S. government may take to avoid exceeding the debt ceiling, and uncertainties surrounding the federal budget and economic policy, including the impact of tariffs and trade policies; the risk that balance sheet, revenue growth, and loan growth expectations may differ from actual results; and other factors and risks described herein and under “Risk Factors” in any of the Company's subsequent reports filed with the SEC and available on its website at www.sec.gov.

The risks relating to the mergers with Heartland Bancshares, Inc. and Villages Bancorporation, Inc. include, without limitation: the diversion of management's time on issues related to the mergers; unexpected transaction costs, including the costs of integrating operations; the risks that the businesses will not be integrated successfully or that such integration may be more difficult, time-consuming or costly than expected; the potential failure to fully or timely realize expected revenues and revenue synergies, including as the result of revenues following the mergers being lower than expected; the risk of deposit and customer attrition; regulatory enforcement and litigation risk;

any changes in deposit mix; unexpected operating and other costs, which may differ or change from expectations; the risks of customer and employee loss and business disruptions, including, without limitation, as the result of difficulties in maintaining relationships with employees; increased competitive pressures and solicitations of customers by competitors; as well as the difficulties and risks inherent with entering new markets.

All written or oral forward-looking statements attributable to us are expressly qualified in their entirety by this cautionary notice, including, without limitation, those risks and uncertainties described in the Company’s annual report on Form 10-K for the year ended December 31, 2024 and in other periodic reports that the Company files with the SEC. Such reports are available upon request from the Company, or from the Securities and Exchange Commission, including through the SEC's Internet website at www.sec.gov.

FINANCIAL HIGHLIGHTS										(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	Quarterly Trends																Nine months ended
(Amounts in thousands, except ratios and per share data)	3Q'25			2Q'25			1Q'25				4Q'24			3Q'24			3Q'25			3Q'24
Summary of Earnings
Net income	$	36,467		$	42,687		$	31,464			$	34,085		$	30,651		$	110,618		$	86,901
Adjusted net income1	45,164			44,466			32,102				40,556			30,511			121,732			91,920
Net interest income2	133,906			127,295			118,857				116,115			106,975			380,058			316,930
Net interest margin2,3	3.57		%	3.58		%	3.48		%		3.39		%	3.17		%	3.55		%	3.19		%
Pre-tax pre-provision earnings1	55,887			60,236			50,590				47,858			46,086			166,713			126,315
Adjusted pre-tax pre-provision earnings1	67,190			62,627			51,686				56,610			46,390			181,503			133,393
Performance Ratios
Return on average assets-GAAP basis3	0.88		%	1.08		%	0.83		%		0.89		%	0.81		%	0.93		%	0.78		%
Adjusted return on average assets1,3	1.09			1.13			0.85				1.06			0.81			1.02			0.83
Return on average tangible assets-GAAP basis3,4	1.04			1.24			0.98				1.06			0.99			1.09			0.96
Adjusted return on average tangible assets1,3,4	1.26			1.29			1.00				1.24			0.98			1.19			1.01
Net adjusted noninterest expense to average tangible assets1,3,4	2.16			2.25			2.33				2.19			2.19			2.24			2.20
Return on average shareholders' equity-GAAP basis3	6.17			7.60			5.76				6.16			5.62			6.51			5.44
Return on average tangible common equity-GAAP basis3,4	10.70			12.82			10.17				10.90			10.31			11.23			10.21
Adjusted return on average tangible common equity1,3,4	12.98			13.31			10.35				12.74			10.27			12.25			10.72
Efficiency ratio5	60.66			56.95			60.28				56.26			59.84			59.29			62.24
Adjusted efficiency ratio1	53.84			55.36			59.53				56.07			59.84			56.13			60.39
Noninterest income to total revenue (excluding securities gains/losses)	15.59			16.18			15.65				18.02			18.05			15.81			17.27
Tangible common equity to tangible assets4	9.76			9.75			9.58				9.60			9.64			9.76			9.64
Average loan-to-deposit ratio	82.99			85.21			84.23				83.14			83.79			84.12			83.80
End of period loan-to-deposit ratio	83.84			84.96			83.17				84.27			83.44			83.84			83.44
Per Share Data
Net income diluted-GAAP basis	$	0.42		$	0.50		$	0.37			$	0.40		$	0.36		$	1.28		$	1.02
Net income basic-GAAP basis	0.42			0.50			0.37				0.40			0.36			1.30			1.03
Adjusted earnings1	0.52			0.52			0.38				0.48			0.36			1.41			1.08
Book value per share common	27.07			26.43			26.04				25.51			25.68			27.07			25.68
Tangible book value per share	17.61			17.19			16.71				16.12			16.20			17.61			16.20
Cash dividends declared	0.18			0.18			0.18				0.18			0.18			0.54			0.54
1Non-GAAP measure - see "Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP.
2Calculated on a fully taxable equivalent basis using amortized cost.
3These ratios are stated on an annualized basis and are not necessarily indicative of future periods.
4The Company defines tangible assets as total assets less intangible assets, and tangible common equity as total shareholders' equity less intangible assets.
5Defined as noninterest expense less amortization of intangibles and gains, losses, and expenses on foreclosed properties divided by net operating revenue (net interest income on a fully taxable equivalent basis plus noninterest income excluding securities gains and losses).

CONSOLIDATED STATEMENTS OF INCOME					(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	Quarterly Trends											Nine months ended
(Amounts in thousands, except per share data)	3Q'25		2Q'25			1Q'25		4Q'24		3Q'24		3Q'25		3Q'24
Interest and dividends on securities:
Taxable	$	35,975	$	32,479		$	29,381	$	26,945	$	25,963	$	97,835	$	72,511
Nontaxable	44		33			34		34		34		111		101
Interest and fees on loans	161,913		157,075			150,640		151,999		150,980		469,628		445,367
Interest on interest-bearing deposits and other investments	4,780		3,760			4,200		6,952		7,138		12,740		21,650
Total Interest Income	202,712		193,347			184,255		185,930		184,115		580,314		539,629
Interest on deposits	43,133		40,633			43,626		47,394		51,963		127,392		150,816
Interest on time certificates	16,341		15,120			14,973		16,726		19,002		46,434		54,051
Interest on borrowed money	9,770		10,730			7,139		6,006		6,485		27,639		18,595
Total Interest Expense	69,244		66,483			65,738		70,126		77,450		201,465		223,462
Net Interest Income	133,468		126,864			118,517		115,804		106,665		378,849		316,167
Provision for credit losses	8,371		4,379			9,250		3,699		6,273		22,000		12,559
Net Interest Income After Provision for Credit Losses	125,097		122,485			109,267		112,105		100,392		356,849		303,608
Noninterest income:
Service charges on deposit accounts	6,194		5,540			5,180		5,138		5,412		16,914		15,714
Wealth management income	4,578		4,196			4,248		4,019		3,843		13,022		11,149
Interchange income	2,008		1,895			1,807		1,860		1,911		5,710		5,739
Mortgage banking fees	517		685			404		326		485		1,606		1,448
Insurance agency income	1,481		1,289			1,620		1,151		1,399		4,390		4,045
BOLI income	3,875		3,380			2,468		2,627		2,578		9,723		7,438
Other	6,006		7,497			6,257		10,335		7,864		19,760		20,455
	24,659		24,482			21,984		25,456		23,492		71,125		65,988
Securities (losses) gains, net	(841)		39			196		(8,388)		187		(606)		372
Total Noninterest Income	23,818		24,521			22,180		17,068		23,679		70,519		66,360
Noninterest expense:
Salaries and wages	46,310		44,438			42,248		42,378		40,697		132,996		119,938
Employee benefits	7,387		8,106			8,861		6,548		6,955		24,354		21,705
Outsourced data processing costs	9,337		8,525			8,504		8,307		8,003		26,366		28,331
Occupancy	7,627		7,483			7,350		7,234		7,096		22,460		22,313
Furniture and equipment	2,233		2,125			2,128		2,004		2,060		6,486		6,027
Marketing	2,509		2,958			2,748		2,126		2,729		8,215		8,650
Legal and professional fees	1,674		2,071			2,740		2,807		2,708		6,485		6,841
FDIC assessments	2,414		2,108			2,194		2,274		1,882		6,716		6,171
Amortization of intangibles	6,005		5,131			5,309		5,587		6,002		16,445		18,297
Other real estate owned expense and net (gain) loss on sale	(346)		8			241		84		491		(97)		356
Provision for credit losses on unfunded commitments	150		150			150		250		250		450		751
Merger-related charges	10,808		2,422			1,051		—		—		14,281		—
Other	5,879		6,205			7,073		5,976		5,945		19,157		18,346
Total Noninterest Expense	101,987		91,730			90,597		85,575		84,818		284,314		257,726
Income Before Income Taxes	46,928		55,276			40,850		43,598		39,253		143,054		112,242
Provision for income taxes	10,461		12,589			9,386		9,513		8,602		32,436		25,341
Net Income	$	36,467	$	42,687		$	31,464	$	34,085	$	30,651	$	110,618	$	86,901
Share Data
Net income per share of common stock
Diluted	$	0.42	$	0.50		$	0.37	$	0.40	$	0.36	$	1.28	$	1.02
Basic	0.42		0.50			0.37		0.40		0.36		1.30		1.03
Cash dividends declared	0.18		0.18			0.18		0.18		0.18		0.54		0.54
Average common shares outstanding
Diluted	87,425		85,479			85,388		85,302		85,069		86,154		84,915
Basic	86,619		84,903			84,648		84,510		84,434		85,398		84,319

CONSOLIDATED BALANCE SHEETS					(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	September 30,		June 30,		March 31,		December 31,		September 30,
(Amounts in thousands)	2025		2025		2025		2024		2024
Assets
Cash and due from banks	$	173,954	$	181,565	$	191,467	$	171,615	$	182,743
Interest-bearing deposits with other banks	132,040		150,863		309,105		304,992		454,315
Total cash and cash equivalents	305,994		332,428		500,572		476,607		637,058
Time deposits with other banks	30,852		1,494		1,494		3,215		5,207
Debt Securities:
Securities available-for-sale (at fair value)	3,212,080		2,866,185		2,627,959		2,226,543		2,160,055
Securities held-to-maturity (at amortized cost)	598,604		613,312		624,650		635,186		646,050
Total debt securities	3,810,684		3,479,497		3,252,609		2,861,729		2,806,105
Loans held for sale	10,841		8,610		16,016		17,277		11,039
Loans	10,964,173		10,608,824		10,443,021		10,299,950		10,205,281
Less: Allowance for credit losses	(147,453)		(142,184)		(140,267)		(138,055)		(140,469)
Loans, net of allowance for credit losses	10,816,720		10,466,640		10,302,754		10,161,895		10,064,812
Bank premises and equipment, net	115,392		107,256		108,478		107,555		108,776
Other real estate owned	5,085		5,335		7,176		6,421		6,421
Goodwill	754,645		732,417		732,417		732,417		732,417
Other intangible assets, net	76,291		61,328		66,372		71,723		77,431
Bank owned life insurance	323,214		312,860		311,453		308,995		306,379
Net deferred tax assets	74,683		87,328		93,595		102,989		94,820
Other assets	352,503		349,762		339,549		325,485		317,906
Total Assets	$	16,676,904	$	15,944,955	$	15,732,485	$	15,176,308	$	15,168,371
Liabilities
Deposits
Noninterest demand	$	3,611,920	$	3,376,941	$	3,492,491	$	3,352,372	$	3,443,455
Interest-bearing demand	2,753,463		2,518,857		2,734,260		2,667,843		2,487,448
Savings	615,566		557,472		534,991		519,977		524,474
Money market	4,396,458		4,111,789		4,154,682		4,086,362		4,034,371
Time deposits	1,712,912		1,932,539		1,658,372		1,615,873		1,753,837
Total Deposits	13,090,319		12,497,598		12,574,796		12,242,427		12,243,585
Securities sold under agreements to repurchase	236,247		186,090		201,128		232,071		210,176
Federal Home Loan Bank borrowings	690,000		715,000		465,000		245,000		245,000
Long-term debt, net	107,464		107,298		107,132		106,966		106,800
Other liabilities	174,742		167,404		154,689		166,601		168,960
Total Liabilities	14,298,772		13,673,390		13,502,745		12,993,065		12,974,521
Shareholders' Equity
Common stock	8,864		8,673		8,633		8,628		8,614
Additional paid in capital	1,891,111		1,832,158		1,828,234		1,824,935		1,821,050
Retained earnings	590,384		569,833		542,665		526,642		508,036
Less: Treasury stock	(20,804)		(20,792)		(19,072)		(19,095)		(18,680)
	2,469,555		2,389,872		2,360,460		2,341,110		2,319,020
Accumulated other comprehensive loss, net	(91,423)		(118,307)		(130,720)		(157,867)		(125,170)
Total Shareholders' Equity	2,378,132		2,271,565		2,229,740		2,183,243		2,193,850
Total Liabilities & Shareholders' Equity	$	16,676,904	$	15,944,955	$	15,732,485	$	15,176,308	$	15,168,371
Common shares outstanding	87,856		85,948		85,618		85,568		85,441

CONSOLIDATED QUARTERLY FINANCIAL DATA							(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
(Amounts in thousands)	3Q'25			2Q'25			1Q'25			4Q'24			3Q'24
Credit Analysis
Net charge-offs	$	3,208		$	2,462		$	7,038		$	6,113		$	7,445
Net charge-offs to average loans	0.12		%	0.09		%	0.27		%	0.24		%	0.29		%
Allowance for credit losses	$	147,453		$	142,184		$	140,267		$	138,055		$	140,469
Non-acquired loans at end of period	$	8,415,612		$	8,071,619		$	7,752,532		$	7,452,175		$	7,178,186
Acquired loans at end of period	2,548,561			2,537,205			2,690,489			2,847,775			3,027,095
Total Loans	$	10,964,173		$	10,608,824		$	10,443,021		$	10,299,950		$	10,205,281
Total allowance for credit losses to total loans at end of period	1.34		%	1.34		%	1.34		%	1.34		%	1.38		%
Purchase discount on acquired loans at end of period	3.86			4.10			4.25			4.30			4.48
End of Period
Nonperforming loans	$	60,562		$	64,198		$	71,018		$	92,446		$	80,857
Other real estate owned	221			351			1,820			933			933
Properties previously used in bank operations included in other real estate owned	4,864			4,984			5,356			5,488			5,488
Total Nonperforming Assets	$	65,647		$	69,533		$	78,194		$	98,867		$	87,278
Nonperforming Loans to Loans at End of Period	0.55		%	0.61		%	0.68		%	0.90		%	0.79		%
Nonperforming Assets to Total Assets at End of Period	0.39			0.44			0.50			0.65			0.58
Loans	September 30, 2025			June 30, 2025			March 31, 2025			December 31, 2024			September 30, 2024
Construction and land development	$	616,475		$	603,079		$	618,493		$	648,053		$	595,753
Commercial real estate - owner occupied	1,898,704			1,778,930			1,713,579			1,686,629			1,676,814
Commercial real estate - non-owner occupied	3,766,541			3,624,528			3,513,400			3,503,808			3,573,076
Residential real estate	2,694,794			2,678,042			2,653,012			2,616,785			2,564,903
Commercial and financial	1,807,932			1,741,158			1,753,090			1,651,354			1,575,228
Consumer	179,727			183,087			191,447			193,321			219,507
Total Loans	$	10,964,173		$	10,608,824		$	10,443,021		$	10,299,950		$	10,205,281

AVERAGE BALANCES, INTEREST INCOME AND EXPENSES, YIELDS AND RATES 1											(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	3Q'25						2Q'25						3Q'24
	Average				Yield/		Average				Yield/		Average				Yield/
(Amounts in thousands)	Balance		Interest		Rate		Balance		Interest		Rate		Balance		Interest		Rate
Assets
Earning assets:
Securities:
Taxable	$	3,644,261	$	35,975	3.92	%	$	3,364,825	$	32,479	3.87	%	$	2,756,502	$	25,963	3.75	%
Nontaxable	6,752		54		3.17		5,321		40		3.02		5,701		42		2.93
Total Securities	3,651,013		36,029		3.92		3,370,146		32,519		3.87		2,762,203		26,005		3.75
Federal funds sold	258,779		2,896		4.44		183,268		2,041		4.47		433,423		5,906		5.42
Interest-bearing deposits with other banks and other investments	166,683		1,884		4.48		137,726		1,720		5.01		102,700		1,232		4.77
Total Loans, net2	10,805,143		162,341		5.96		10,558,997		157,499		5.98		10,128,822		151,282		5.94
Total Earning Assets	14,881,618		203,150		5.42		14,250,137		193,779		5.45		13,427,148		184,425		5.46
Allowance for credit losses	(144,051)						(141,442)						(141,974)
Cash and due from banks	166,884						152,562						167,103
Bank premises and equipment, net	114,719						108,206						109,699
Intangible assets	827,294						796,431						812,761
Bank owned life insurance	321,754						312,384						304,703
Other assets including deferred tax assets	317,799						322,916						317,406
Total Assets	$	16,486,017					$	15,801,194					$	14,996,846
Liabilities and Shareholders' Equity
Interest-bearing liabilities:
Interest-bearing demand	$	2,671,750	$	10,623	1.58	%	$	2,622,944	$	10,249	1.57	%	$	2,489,674	$	12,905	2.06	%
Savings	617,479		1,111		0.71		545,718		881		0.65		546,473		601		0.44
Money market	4,362,662		31,393		2.85		4,122,147		29,505		2.87		3,942,357		38,457		3.88
Time deposits	1,826,068		16,341		3.55		1,700,128		15,120		3.57		1,716,720		19,002		4.40
Securities sold under agreements to repurchase	224,328		1,359		2.40		185,977		1,214		2.62		241,083		2,044		3.37
Federal Home Loan Bank borrowings	637,826		6,703		4.17		724,231		7,803		4.32		237,935		2,549		4.26
Long-term debt, net	107,372		1,714		6.33		107,208		1,712		6.41		106,706		1,892		7.05
Total Interest-Bearing Liabilities	10,447,485		69,244		2.63		10,008,353		66,484		2.66		9,280,948		77,450		3.32
Noninterest demand	3,541,749						3,401,138						3,393,110
Other liabilities	151,550						139,495						154,344
Total Liabilities	14,140,784						13,548,986						12,828,402
Shareholders' equity	2,345,233						2,252,208						2,168,444
Total Liabilities & Equity	$	16,486,017					$	15,801,194					$	14,996,846
Cost of deposits					1.81	%					1.80	%					2.34	%
Cost of funds3					1.96	%					1.99	%					2.43	%
Interest expense as a % of earning assets					1.85	%					1.87	%					2.29	%
Net interest income as a % of earning assets			$	133,906	3.57	%			$	127,295	3.58	%			$	106,975	3.17	%
1On a fully taxable equivalent basis. All yields and rates have been computed using amortized cost.
2Fees on loans have been included in interest on loans. Nonaccrual loans are included in loan balances.
3Total interest expense as a percentage of total interest-bearing liabilities and noninterest demand deposits.

AVERAGE BALANCES, INTEREST INCOME AND EXPENSES, YIELDS AND RATES 1							(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	Nine Months Ended September 30, 2025							Nine Months Ended September 30, 2024
	Average				Yield/			Average				Yield/
(Amounts in thousands, except ratios)	Balance		Interest		Rate			Balance		Interest		Rate
Assets
Earning assets:
Securities:
Taxable	$	3,362,823	$	97,835	3.89	%		$	2,655,422	$	72,511	3.65	%
Nontaxable	5,841		136		3.11			5,677		123		2.89
Total Securities	3,368,664		97,971		3.89			2,661,099		72,634		3.65
Federal funds sold	235,825		7,882		4.47			438,089		17,929		5.47
Interest-bearing deposits with other banks and other investments	136,760		4,858		4.75			102,415		3,721		4.85
Total Loans, net2	10,584,090		470,812		5.95			10,056,466		446,108		5.93
Total Earning Assets	14,325,339		581,523		5.43			13,258,069		540,392		5.44
Allowance for credit losses	(141,285)							(145,579)
Cash and due from banks	159,428							167,424
Bank premises and equipment, net	110,548							110,929
Intangible assets	808,564							819,046
Bank owned life insurance	314,700							302,220
Other assets including deferred tax assets	320,985							330,898
Total Assets	$	15,898,279						$	14,843,007
Liabilities and Shareholders' Equity
Interest-bearing liabilities:
Interest-bearing demand	$	2,666,794	$	31,941	1.60	%		$	2,626,026	$	43,117	2.19	%
Savings	564,624		2,690		0.64			586,285		1,701		0.39
Money market	4,212,205		92,760		2.94			3,673,493		105,998		3.85
Time deposits	1,725,364		46,434		3.60			1,646,285		54,051		4.39
Securities sold under agreements to repurchase	203,943		3,930		2.58			289,181		7,806		3.61
Federal Home Loan Bank borrowings	582,565		18,584		4.27			163,468		5,101		4.17
Long-term debt, net	107,207		5,126		6.39			106,538		5,688		7.13
Total Interest-Bearing Liabilities	10,062,702		201,465		2.68			9,091,276		223,462		3.28
Noninterest demand	3,413,252							3,468,790
Other liabilities	151,036							148,000
Total Liabilities	13,626,990							12,708,066
Shareholders' equity	2,271,289							2,134,941
Total Liabilities & Equity	$	15,898,279						$	14,843,007
Cost of deposits					1.85	%						2.28	%
Cost of funds3					2.00	%						2.38	%
Interest expense as a % of earning assets					1.88	%						2.25	%
Net interest income as a % of earning assets			$	380,058	3.55	%				$	316,930	3.19	%
1On a fully taxable equivalent basis. All yields and rates have been computed using amortized cost.
2Fees on loans have been included in interest on loans. Nonaccrual loans are included in loan balances.
3Total interest expense as a percentage of total interest-bearing liabilities and noninterest demand deposits.

CONSOLIDATED QUARTERLY FINANCIAL DATA					(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	September 30,		June 30,			March 31,		December 31,		September 30,
(Amounts in thousands)	2025		2025			2025		2024		2024
Customer Relationship Funding
Noninterest demand
Commercial	$	2,933,228	$	2,717,688		$	2,830,497	$	2,621,469	$	2,731,564
Retail	508,204		509,539			536,661		502,967		509,527
Public funds	96,396		81,448			64,184		177,742		139,072
Other	74,092		68,266			61,149		50,194		63,292
Total Noninterest Demand	3,611,920		3,376,941			3,492,491		3,352,372		3,443,455
Interest-bearing demand
Commercial	1,586,997		1,466,184			1,520,186		1,467,508		1,426,920
Retail	976,318		838,340			881,282		881,236		874,043
Brokered	—		—			—		49,287		—
Public funds	190,148		214,333			332,792		269,812		186,485
Total Interest-Bearing Demand	2,753,463		2,518,857			2,734,260		2,667,843		2,487,448
Total transaction accounts
Commercial	4,520,225		4,183,872			4,350,683		4,088,977		4,158,484
Retail	1,484,522		1,347,879			1,417,943		1,384,203		1,383,570
Brokered	—		—			—		49,287		—
Public funds	286,544		295,781			396,976		447,554		325,557
Other	74,092		68,266			61,149		50,194		63,292
Total Transaction Accounts	6,365,383		5,895,798			6,226,751		6,020,215		5,930,903
Savings
Commercial	43,102		45,531			42,879		40,303		44,151
Retail	572,464		511,941			492,112		479,674		480,323
Total Savings	615,566		557,472			534,991		519,977		524,474
Money market
Commercial	2,303,584		2,073,098			1,999,540		1,947,250		1,953,851
Retail	1,898,375		1,853,398			1,967,239		1,925,330		1,887,975
Public funds	194,499		185,293			187,903		213,782		192,545
Total Money Market	4,396,458		4,111,789			4,154,682		4,086,362		4,034,371
Brokered time certificates	189,561		515,303			262,461		244,351		256,536
Time deposits	1,523,351		1,417,236			1,395,911		1,371,522		1,497,301
	1,712,912		1,932,539			1,658,372		1,615,873		1,753,837
Total Deposits	$	13,090,319	$	12,497,598		$	12,574,796	$	12,242,427	$	12,243,585
Securities sold under agreements to repurchase	$	236,247	$	186,090		$	201,128	$	232,071	$	210,176
Total customer funding1	$	13,137,005	$	12,168,385		$	12,513,463	$	12,180,860	$	12,197,225
1Total deposits and securities sold under agreements to repurchase, excluding brokered deposits. Securities sold under agreements to repurchase consists of customer sweep accounts.

Explanation of Certain Unaudited Non-GAAP Financial Measures

This presentation contains financial information determined by methods other than Generally Accepted Accounting Principles (“GAAP”). Management uses these non-GAAP financial measures in its analysis of the Company’s performance and believes these presentations provide useful supplemental information, and a clearer understanding of the Company’s performance. The Company believes the non-GAAP measures enhance investors’ understanding of the Company’s business and performance and if not provided would be requested by the investor community. These measures are also useful in understanding performance trends and facilitate comparisons with the performance of other financial institutions. The limitations associated with operating measures are the risk that persons might disagree as to the appropriateness of items comprising these measures and that different companies might define or calculate these measures differently. The Company provides reconciliations between GAAP and these non-GAAP measures. These disclosures should not be considered an alternative to GAAP.

GAAP TO NON-GAAP RECONCILIATION							(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	Quarterly Trends																Nine Months Ended
(Amounts in thousands, except per share data)	3Q'25			2Q'25				1Q'25			4Q'24			3Q'24			3Q'25			3Q'24
Net Income	$	36,467		$	42,687			$	31,464		$	34,085		$	30,651		$	110,618		$	86,901
Total noninterest income	23,818			24,521				22,180			17,068			23,679			70,519			66,360
Securities losses (gains), net	841			(39)				(196)			8,388			(187)			606			(372)
Total Adjustments to Noninterest Income	841			(39)				(196)			8,388			(187)			606			(372)
Total Adjusted Noninterest Income	24,659			24,482				21,984			25,456			23,492			71,125			65,988
Total noninterest expense	101,987			91,730				90,597			85,575			84,818			284,314			257,726
Merger-related charges	(10,808)			(2,422)				(1,051)			—			—			(14,281)			—
Business continuity expenses - hurricane events	—			—				—			(280)			—			—			—
Branch reductions and other expense initiatives	—			—				—			—			—			—			(7,094)
Total Adjustments to Noninterest Expense	(10,808)			(2,422)				(1,051)			(280)			—			(14,281)			(7,094)
Adjusted Noninterest Expense	91,179			89,308				89,546			85,295			84,818			270,033			250,632
Income Taxes	10,461			12,589				9,386			9,513			8,602			32,436			25,341
Tax effect of adjustments	2,952			604				217			2,197			(47)			3,773			1,703
Adjusted Income Taxes	13,413			13,193				9,603			11,710			8,555			36,209			27,044
Adjusted Net Income	$	45,164		$	44,466			$	32,102		$	40,556		$	30,511		$	121,732		$	91,920
Earnings per diluted share, as reported	0.42			0.50				0.37			0.40			0.36			1.28			1.02
Adjusted Earnings per Diluted Share	$	0.52		$	0.52			$	0.38		$	0.48		$	0.36		$	1.41		$	1.08
Average diluted shares outstanding	87,425			85,479				85,388			85,302			85,069			86,154			84,915
Adjusted Noninterest Expense	$	91,179		$	89,308			$	89,546		$	85,295		$	84,818		$	270,033		$	250,632
Provision for credit losses on unfunded commitments	(150)			(150)				(150)			(250)			(250)			(450)			(751)
Other real estate owned expense and net gain (loss) on sale	346			(8)				(241)			(84)			(491)			97			(356)
Amortization of intangibles	(6,005)			(5,131)				(5,309)			(5,587)			(6,002)			(16,445)			(18,297)
Net Adjusted Noninterest Expense	85,370			84,019				83,846			79,374			78,075			253,235			231,228
Average tangible assets	$	15,658,723		$	15,004,763			$	14,593,955		$	14,397,331		$	14,184,085		$	15,089,715		$	14,023,961
Net Adjusted Noninterest Expense to Average Tangible Assets	2.16		%	2.25		%		2.33		%	2.19		%	2.19		%	2.24		%	2.20		%
Net Revenue	$	157,286		$	151,385			$	140,697		$	132,872		$	130,344		$	449,368		$	382,527
Total Adjustments to Net Revenue	841			(39)				(196)			8,388			(187)			606			(372)
Impact of FTE adjustment	438			431				340			311			310			1,209			763
Adjusted Net Revenue on a fully taxable equivalent basis	$	158,565		$	151,777			$	140,841		$	141,571		$	130,467		$	451,183		$	382,918
Adjusted Efficiency Ratio	53.84		%	55.36		%		59.53		%	56.07		%	59.84		%	56.13		%	60.39		%
Net Interest Income	$	133,468		$	126,864			$	118,517		$	115,804		$	106,665		$	378,849		$	316,167
Impact of FTE adjustment	438			431				340			311			310			1,209			763
Net Interest Income including FTE adjustment	133,906			127,295				118,857			116,115			106,975			380,058			316,930
Total noninterest income	23,818			24,521				22,180			17,068			23,679			70,519			66,360
Total noninterest expense less provision for credit losses on unfunded commitments	101,837			91,580				90,447			85,325			84,568			283,864			256,975
Pre-Tax Pre-Provision Earnings	55,887			60,236				50,590			47,858			46,086			166,713			126,315
Total Adjustments to Noninterest Income	841			(39)				(196)			8,388			(187)			606			(372)
Total Adjustments to Noninterest Expense including other real estate owned expense and net loss on sale	10,462			2,430				1,292			364			491			14,184			7,450
Adjusted Pre-Tax Pre-Provision Earnings	67,190			62,627				51,686			56,610			46,390			181,503			133,393
Average Assets	16,486,017			15,801,194				15,395,642			15,204,041			14,996,846			15,898,279			14,843,007
Less average goodwill and intangible assets	(827,294)			(796,431)				(801,687)			(806,710)			(812,761)			(808,564)			(819,046)
Average Tangible Assets	$	15,658,723		$	15,004,763			$	14,593,955		$	14,397,331		$	14,184,085		$	15,089,715		$	14,023,961
Return on Average Assets (ROA)	0.88		%	1.08		%		0.83		%	0.89		%	0.81		%	0.93		%	0.78		%
Impact of other adjustments for Adjusted Net Income	0.21			0.05				0.02			0.17			—			0.09			0.05

GAAP TO NON-GAAP RECONCILIATION							(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	Quarterly Trends																Nine Months Ended
(Amounts in thousands, except per share data)	3Q'25			2Q'25				1Q'25			4Q'24			3Q'24			3Q'25			3Q'24
Adjusted ROA	1.09		%	1.13		%		0.85		%	1.06		%	0.81		%	1.02		%	0.83		%
ROA	0.88			1.08				0.83			0.89			0.81			0.93			0.78
Impact of removing average intangible assets and related amortization	0.16			0.16				0.15			0.17			0.18			0.16			0.18
Return on Average Tangible Assets (ROTA)	1.04			1.24				0.98			1.06			0.99			1.09			0.96
Impact of other adjustments for Adjusted Net Income	0.22			0.05				0.02			0.18			(0.01)			0.10			0.05
Adjusted ROTA	1.26		%	1.29		%		1.00		%	1.24		%	0.98		%	1.19		%	1.01		%
Average Shareholders' Equity	$	2,345,233		$	2,252,208			$	2,214,995		$	2,203,052		$	2,168,444		$	2,271,289		$	2,134,941
Less average goodwill and intangible assets	(827,294)			(796,431)				(801,687)			(806,710)			(812,761)			(808,564)			(819,046)
Average Tangible Equity	$	1,517,939		$	1,455,777			$	1,413,308		$	1,396,342		$	1,355,683		$	1,462,725		$	1,315,895
Return on Average Shareholders' Equity	6.17		%	7.60		%		5.76		%	6.16		%	5.62		%	6.51		%	5.44		%
Impact of removing average intangible assets and related amortization	4.53			5.22				4.41			4.74			4.69			4.72			4.77
Return on Average Tangible Common Equity (ROTCE)	10.70			12.82				10.17			10.90			10.31			11.23			10.21
Impact of other adjustments for Adjusted Net Income	2.28			0.49				0.18			1.84			(0.04)			1.02			0.51
Adjusted ROTCE	12.98		%	13.31		%		10.35		%	12.74		%	10.27		%	12.25		%	10.72		%
Loan interest income1	$	162,341		$	157,499			$	150,973		$	152,303		$	151,282		$	470,812		$	446,108
Accretion on acquired loans	(9,543)			(10,583)				(8,221)			(11,717)			(9,182)			(28,347)			(29,955)
Loan interest income excluding accretion on acquired loans1	$	152,798		$	146,916			$	142,752		$	140,586		$	142,100		$	442,465		$	416,153
Yield on loans1	5.96		%	5.98		%		5.90		%	5.93		%	5.94		%	5.95		%	5.93		%
Impact of accretion on acquired loans	(0.35)			(0.40)				(0.32)			(0.45)			(0.36)			(0.36)			(0.40)
Yield on loans excluding accretion on acquired loans1	5.61		%	5.58		%		5.58		%	5.48		%	5.58		%	5.59		%	5.53		%
Net Interest Income1	$	133,906		$	127,295			$	118,857		$	116,115		$	106,975		$	380,058		$	316,930
Accretion on acquired loans	(9,543)			(10,583)				(8,221)			(11,717)			(9,182)			(28,347)			(29,955)
Net interest income excluding accretion on acquired loans1	$	124,363		$	116,712			$	110,636		$	104,398		$	97,793		$	351,711		$	286,975
Net Interest Margin1	3.57		%	3.58		%		3.48		%	3.39		%	3.17		%	3.55		%	3.19		%
Impact of accretion on acquired loans	(0.25)			(0.29)				(0.24)			(0.34)			(0.27)			(0.27)			(0.30)
Net interest margin excluding accretion on acquired loans1	3.32		%	3.29		%		3.24		%	3.05		%	2.90		%	3.28		%	2.89		%
Securities interest income1	$	36,029		$	32,519			$	29,422		$	26,986		$	26,005		$	97,971		$	72,634
Tax equivalent adjustment on securities	(10)			(7)				(7)			(7)			(8)			(25)			(22)
Securities interest income excluding tax equivalent adjustment1	36,019			32,512				29,415			26,979			25,997			97,946			72,612
Loan interest income1	162,341			157,499				150,973			152,303			151,282			470,812			446,108
Tax equivalent adjustment on loans	(428)			(424)				(333)			(304)			(302)			(1,184)			(741)
Loan interest income excluding tax equivalent adjustment	161,913			157,075				150,640			151,999			150,980			469,628			445,367
Net Interest Income1	133,906			127,295				118,857			116,115			106,975			380,058			316,930
Tax equivalent adjustment on securities	(10)			(7)				(7)			(7)			(8)			(25)			(22)
Tax equivalent adjustment on loans	(428)			(424)				(333)			(304)			(302)			(1,184)			(741)
Net interest income excluding tax equivalent adjustment	$	133,468		$	126,864			$	118,517		$	115,804		$	106,665		$	378,849		$	316,167
1On a fully taxable equivalent basis. All yields and rates have been computed using amortized cost.

EX-99.2

EARNINGS PRESENTATION THIRD QUARTER 2025 2025

2THIRD QUARTER 2025 EARNINGS PRESENTATION Cautionary Notice Regarding Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning, and protections, of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including, without limitation, statements about future financial and operating results, cost savings, enhanced revenues, economic and seasonal conditions in the Company’s markets, and improvements to reported earnings that may be realized from cost controls, tax law changes, new initiatives and for integration of banks that the Company has acquired, or expects to acquire, as well as statements with respect to Seacoast's objectives, strategic plans, expectations and intentions and other statements that are not historical facts. Actual results may differ from those set forth in the forward-looking statements. Forward-looking statements include statements with respect to the Company’s beliefs, plans, objectives, goals, expectations, anticipations, assumptions, estimates and intentions about future performance and involve known and unknown risks, uncertainties and other factors, which may be beyond the Company’s control, and which may cause the actual results, performance or achievements of Seacoast Banking Corporation of Florida (“Seacoast” or the “Company”) or its wholly-owned banking subsidiary, Seacoast National Bank (“Seacoast Bank”), to be materially different from results, performance or achievements expressed or implied by such forward-looking statements. You should not expect the Company to update any forward-looking statements. All statements other than statements of historical fact could be forward-looking statements. You can identify these forward- looking statements through the use of words such as "may", "will", "anticipate", "assume", "should", "support", "indicate", "would", "believe", "contemplate", "expect", "estimate", "continue", "further", "plan", "point to", "project", "could", "intend", "target" or other similar words and expressions of the future. These forward-looking statements may not be realized due to a variety of factors, including, without limitation: the impact of current and future economic and market conditions generally (including seasonality) and in the financial services industry, nationally and within Seacoast’s primary market areas, including the effects of inflationary pressures, changes in interest rates, tariffs or trade wars (including reduced consumer spending), slowdowns in economic growth, and the potential for high unemployment rates, as well as the financial stress on borrowers and changes to customer and client behavior and credit risk as a result of the foregoing; potential impacts of adverse developments in the banking industry and including impacts on customer confidence, deposit outflows, liquidity and the regulatory response thereto (including increases in the cost of our deposit insurance assessments), the Company's ability to effectively manage its liquidity risk and any growth plans, and the availability of capital and funding; governmental monetary and fiscal policies, including interest rate policies of the Board of Governors of the Federal Reserve, as well as legislative, tax and regulatory changes, including those that impact the money supply and inflation; the risks of continued changes in interest rates on the level and composition of deposits (as well as the cost of, and competition for, deposits), loan demand, liquidity and the values of loan collateral, securities, and interest rate sensitive assets and liabilities; interest rate risks (including the impacts of interest rates on macroeconomic conditions, customer and client behavior, and on our net interest income), sensitivities and the shape of the yield curve; changes in accounting policies, rules and practices; changes in retail distribution strategies, customer preferences and behavior generally and as a result of economic factors, including heightened or persistent inflation; changes in the availability and cost of credit and capital in the financial markets; changes in the prices, values and sales volumes of residential and commercial real estate, especially as they relate to the value of collateral supporting the Company’s loans; the Company’s concentration in commercial real estate loans and in real estate collateral in Florida; Seacoast’s ability to comply with any regulatory requirements and the risk that the regulatory environment may not be conducive to or may prohibit or delay the consummation of future mergers and/or business combinations, may increase the length of time and amount of resources required to consummate such transactions, and may reduce the anticipated benefit; inaccuracies or other failures from the use of models, including the failure of assumptions and estimates, as well as differences in, and changes to, economic, market and credit conditions; the impact on the valuation of Seacoast’s investments due to market volatility or counterparty payment risk, as well as the effect of a decline in stock market prices on our fee income from our wealth management business; statutory and regulatory dividend restrictions; increases in regulatory capital requirements for banking organizations generally; the risks of mergers, acquisitions and divestitures, including Seacoast’s ability to continue to identify acquisition targets, successfully acquire and integrate desirable financial institutions and realize expected revenues and revenue synergies; changes in technology or products that may be more difficult, costly, or less effective than anticipated; the Company’s ability to identify and address increased cybersecurity risks, including those impacting vendors and other third parties which may be exacerbated by developments in generative artificial intelligence; fraud or misconduct by internal or external parties, which Seacoast may not be able to prevent, detect or mitigate; inability of Seacoast’s risk management framework to manage risks associated with the Company’s business; dependence on key suppliers or vendors to obtain equipment or services for the business on acceptable terms; reduction in or the termination of Seacoast’s ability to use the online- or mobile-based platform that is critical to the Company’s business growth strategy; the effects of war or other conflicts, acts of terrorism, natural disasters, including hurricanes in the Company’s footprint, health emergencies, epidemics or pandemics, or other catastrophic events that may affect general economic conditions and/or increase costs, including, but not limited to, property and casualty and other insurance costs; Seacoast’s ability to maintain adequate internal controls over financial reporting; potential claims, damages, penalties, fines, costs and reputational damage resulting from pending or future litigation, regulatory proceedings and enforcement actions; the risks that deferred tax assets could be reduced if estimates of future taxable income from the Company’s operations and tax planning strategies are less than currently estimated, the results of tax audit findings, challenges to our tax positions, or adverse changes or interpretations of tax laws; the effects of competition from other commercial banks, thrifts, mortgage banking firms, consumer finance companies, credit unions, non-bank financial technology providers, securities brokerage firms, insurance companies, money market and other mutual funds and other financial institutions; the failure of assumptions underlying the establishment of reserves for expected credit losses; risks related to, and the costs associated with, environmental, social and governance matters, including the scope and pace of related rulemaking activity and disclosure requirements; government actions or inactions, including a prolonged shutdown of the federal government, a deterioration of the credit rating for U.S. long-term sovereign debt, actions that the U.S. government may take to avoid exceeding the debt ceiling, and uncertainties surrounding the federal budget and economic policy, including the impact of tariffs and trade policies; the risk that balance sheet, revenue growth, and loan growth expectations may differ from actual results; and other factors and risks described herein and under “Risk Factors” in any of the Company's subsequent reports filed with the SEC and available on its website at www.sec.gov. The risks relating to the mergers with Heartland Bancshares, Inc. and Villages Bancorporation, Inc. include, without limitation: the diversion of management's time on issues related to the mergers; unexpected transaction costs, including the costs of integrating operations; the risks that the businesses will not be integrated successfully or that such integration may be more difficult, time-consuming or costly than expected; the potential failure to fully or timely realize expected revenues and revenue synergies, including as the result of revenues following the mergers being lower than expected; the risk of deposit and customer attrition; regulatory enforcement and litigation risk; any changes in deposit mix; unexpected operating and other costs, which may differ or change from expectations; the risks of customer and employee loss and business disruptions, including, without limitation, as the result of difficulties in maintaining relationships with employees; increased competitive pressures and solicitations of customers by competitors; as well as the difficulties and risks inherent with entering new markets. All written or oral forward-looking statements attributable to us are expressly qualified in their entirety by this cautionary notice, including, without limitation, those risks and uncertainties described in the Company’s annual report on Form 10-K for the year ended December 31, 2024 and in other periodic reports that the Company files with the SEC. Such reports are available upon request from the Company, or from the Securities and Exchange Commission, including through the SEC's Internet website at www.sec.gov.

3THIRD QUARTER 2025 EARNINGS PRESENTATION • Sustained, strong presence in Florida’s most attractive markets • #15 Florida market share ▪ #1 Florida-based bank in Orlando MSA ▪ #1 Florida-based bank in Palm Beach and 11 other counties ▪ #1 overall market share in Port St. Lucie MSA and Wildwood-The Villages MSA • Strong capital and liquidity supporting further organic growth and opportunistic acquisitions ▪ 14.5%1 Tier 1 capital ratio ▪ 84% loan-to-deposit ratio Valuable Florida Franchise with Strong Capital and Liquidity 1Estimated

4THIRD QUARTER 2025 EARNINGS PRESENTATION • Net income of $36.5 million, or $0.42 per share, which includes $10.8 million in merger-related charges, increased 19% year over year. Adjusted net income1 increased 48% year over year. • 7% annualized organic deposit growth. • 8% annualized organic loan growth. • Net interest income of $133.5 million, an increase of $6.6 million, or 5% from the prior quarter. • Net interest margin, excluding accretion on acquired loans, expanded three basis points from the prior quarter to 3.32%. Third Quarter 2025 Highlights • Tangible book value per share of $17.61 has increased 9% year over year, well overcoming the dilutive impact of the Heartland acquisition. • Strong capital position, with a Tier 1 capital ratio of 14.5%2 and a tangible common equity to tangible assets ratio of 9.8%. • Completed the acquisition and system conversion of Heartland Bancshares, Inc., adding four branches, $153 million in loans and $705 million in deposits. • On October 1, 2025, completed the acquisition of Villages Bancorporation, Inc., adding 19 branches and approximately $4 billion in assets. Full system conversion will be completed in the third quarter of 2026. 1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. 2Estimated

5THIRD QUARTER 2025 EARNINGS PRESENTATION Net Interest Income ($ in th ou sa nd s) $106,975 $116,115 $118,857 $127,295 $133,906 3.17% 3.39% 3.48% 3.58% 3.57% 2.90% 3.05% 3.24% 3.29% 3.32% Net Interest Income Net Interest Margin NIM, excluding accretion on acquired loans 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 • Net interest income1 totaled $133.9 million, an increase of $6.6 million, or 5%, from the prior quarter. • Net interest margin decreased one basis point to 3.57% and, excluding the effect of accretion on acquired loans, net interest margin expanded three basis points to 3.32%. • Securities yields increased five basis points to 3.92%. • Loan yields decreased two basis points from the prior quarter to 5.96%. Excluding the effect of accretion on acquired loans, yields increased three basis points to 5.61%. • The cost of deposits increased one basis point to 1.81%. 1Calculated on a fully taxable equivalent basis using amortized cost. 1

6THIRD QUARTER 2025 EARNINGS PRESENTATION Noninterest income decreased $0.7 million from the prior quarter to $23.8 million, and adjusted noninterest income1 increased $0.2 million to $24.7 million. Results included $0.8 million in realized losses on securities. Other changes from the prior quarter include: Service charges on deposits totaled $6.2 million, an increase of $0.7 million, or 12% from the prior quarter. Our investments in talent and significant market expansion have resulted in continued growth in treasury management services to commercial customers. Wealth management income totaled $4.6 million, an increase of $0.4 million, or 9%, from the prior quarter. Assets under management have grown 24% year over year. The wealth management division delivered record growth, adding $258.1 million in new assets under management in the third quarter, the highest quarterly result in the division’s history. BOLI income totaled $3.9 million, an increase of $0.5 million, or 15%, from the prior quarter. Death benefit payouts totaled $1.3 million in the third quarter of 2025 and $0.9 million in the second quarter of 2025. Other income totaled $6.0 million, a decrease of $1.5 million, or 20%, from the prior quarter. The second quarter of 2025 included $3.0 million in tax refunds related to a prior bank acquisition. The resulting comparative decline was partially offset by higher gains on SBA loan sales and higher loan swap fees. 1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. Noninterest Income $23,492 $25,456 $21,984 $24,482 $24,659 Adjusted noninterest income Securities gains (losses) 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 ($ in thousands) $196 1 $187 $39 $(841) $(8,388)

7THIRD QUARTER 2025 EARNINGS PRESENTATION Assets Under Management End-of-Period ($ in millions) $1,239 $1,387 $1,711 $2,053 $2,467 2021 2022 2023 2024 3Q’25 Continued Focus on Building Wealth Management Assets under management totaled $2.5 billion at September 30, 2025, increasing 24% year over year. The wealth management division delivered record growth, adding $258 million in new assets under management in the third quarter, the highest quarterly result in the division’s history. With a consistent focus on delivering exceptional value, this division continues to be a key growth driver in customer relationships. Since 2021, assets under management have increased at a compound annual growth rate (“CAGR”) of 25%. 25% CAG R

8THIRD QUARTER 2025 EARNINGS PRESENTATION Noninterest Expense • Salaries and wages totaled $46.3 million, an increase of $1.9 million, or 4%, from the prior quarter. The increase from the prior quarter reflects the continued expansion of the footprint, including the acquisition of Heartland, and higher performance driven incentive compensation. • Employee benefits totaled $7.4 million, a decrease of $0.7 million, or 9%, compared to the prior quarter. • Outsourced data processing costs totaled $9.3 million, an increase of $0.8 million, or 10%, compared to the prior quarter. The increase from the prior quarter reflects higher transaction volume and growth in customers, including from the acquisition of Heartland. • Amortization of intangibles increased $0.9 million with the addition of $20.9 million in core deposit intangible assets from the Heartland acquisition. These assets will be amortized using an accelerated amortization method over approximately 10 years. • Merger-related costs totaled $10.8 million in the third quarter of 2025 and $2.4 million in the second quarter of 2025. ($ in thousands) Noninterest Expense $84,818 $85,575 $90,597 $91,730 $101,987 59.8% 56.3% 60.3% 57.0% 60.7% Noninterest expense Efficiency Ratio 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 1 1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. Adjusted Noninterest Expense $84,818 $85,295 $89,546 $89,308 $91,179 59.8% 56.1% 59.5% 55.4% 53.8% Adjusted noninterest expense Adjusted Efficiency Ratio 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 ($ in thousands)Includes merger- related charges of $10.8 million 1 1

9THIRD QUARTER 2025 EARNINGS PRESENTATION $10,205 $10,300 $10,443 $10,609 $10,964 5.94% 5.93% 5.90% 5.98% 5.96% 5.58% 5.48% 5.58% 5.58% 5.61% Yield Excluding Accretion on Acquired Loans Reported Yield Total Loans 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 6.6% 3.7% 5.6% 6.4% 7.6% 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 Annualized Organic Loan Growth Total Loans End-of-Period ($ in millions) Consistent Strong Loan Growth Supported by an Expanding Pipeline Loans outstanding increased by $355.3 million, or 13.3% annualized, from the prior quarter. Excluding the impact of the Heartland acquisition, loans increased 7.6% annualized. The late stage loan pipeline increased 32% to $1.2 billion. Loan yields declined two basis points from the prior quarter to 5.96%. Excluding the effect of accretion on acquired loans, yields increased three basis points from the prior quarter to 5.61%.

10THIRD QUARTER 2025 EARNINGS PRESENTATION At September 30, 2025 Loan Portfolio Mix Seacoast's lending strategy results in a diverse and granular loan portfolio. Seacoast’s average loan size is $435 thousand and the average commercial loan size is $871 thousand. Portfolio diversification in terms of asset mix, industry, and loan type has been a critical element of the Company’s lending strategy. Exposures across industries and collateral types are broadly distributed. Construction and land development and commercial real estate loans, as defined in regulatory guidance, represent 32% and 223%, respectively, of total consolidated risk-based capital1. CRE-Retail, 12% CRE-Office, 5% CRE-Multifamily 5+, 4% CRE-Hotel/Motel, 2% CRE-Industrial/Warehouse, 6% CRE-Other, 5% OOCRE, 17% Construction & Land Development, 6% Commercial & Financial, 16% Residential, 25% Consumer, 2% 1Estimated

11THIRD QUARTER 2025 EARNINGS PRESENTATION Allowance for Credit Losses and Purchase Discount ($ in thousands) Loans Outstanding Allowance for Credit Losses % of Loans Outstanding Purchase Discount % of Loans Outstanding Construction and Land Development $ 616,475 $ 7,366 1.19 % $ 1,543 0.25 % Owner Occupied Commercial Real Estate 1,898,704 14,160 0.75 15,324 0.81 Commercial Real Estate 3,766,541 49,804 1.32 44,820 1.19 Residential Real Estate 2,694,794 42,318 1.57 30,463 1.13 Commercial & Financial 1,807,932 26,561 1.47 9,302 0.51 Consumer 179,727 7,244 4.03 750 0.42 Total $ 10,964,173 $ 147,453 1.34 % $ 102,202 0.93 % The total allowance for credit losses of $147.5 million as of September 30, 2025 represents management’s estimate of lifetime expected credit losses. The $102.2 million remaining unrecognized discount on acquired loans represents 0.93% of total loans. Additionally, a reserve for potential credit losses on lending-related commitments of $6.1 million is reflected within Other Liabilities.

12THIRD QUARTER 2025 EARNINGS PRESENTATION Net Charge-Offs $7,445 $6,113 $7,038 $2,462 $3,2080.29% 0.24% 0.27% 0.09% 0.12% NCO NCO/Average Loans 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 ($ in thousands) Allowance for Credit Losses $140,469 $138,055 $140,267 $142,184 $147,453 1.38% 1.34% 1.34% 1.34% 1.34% ACL ACL/Total Loans 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 Continued Strong Asset Quality Trends Nonperforming Loans $80,857 $92,446 $71,018 $64,198 $60,5620.79% 0.90% 0.68% 0.61% 0.55% 0.50% 0.15% 0.16% 0.13% 0.19% NPL NPL/Total Loans Accruing Past Due / Total Loans 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 Criticized and Classified Loans $264,140 $223,859 $251,428 $253,693 $274,021 2.59% 2.17% 2.41% 2.39% 2.50% Criticized and Classified Loans Criticized and Classified Loans / Total Loans 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25

13THIRD QUARTER 2025 EARNINGS PRESENTATION Investment Securities Performance and Composition High quality portfolio consisting of 91% agency backed securities, with the remainder comprised primarily of highly-rated investment grade bonds. CLO portfolio is entirely AA/AAA rated. Net unrealized losses in the AFS portfolio decreased during the third quarter by $35.5 million, driven by lower long-term interest rates, which contributed $0.31 to the increase in tangible book value per share. Portfolio yield increased five basis points to 3.92% from 3.87% in the prior quarter, reflecting purchases of $385 million of primarily agency mortgage-backed securities with an average yield of 5.03%. Net Unrealized Loss in Securities ($ in thousands) 9/30/2025 6/30/2025 △ from 2Q'25 Total Available-for-Sale $ (120,242) $ (155,785) $ 35,543 Total Held-to-Maturity (100,220) (110,125) 9,905 Total Securities $ (220,462) $ (265,910) $ 45,448 ($ in m ill io ns ) $2,806 $2,862 $3,253 $3,479 $3,811 $646 $635 $625 $613 $599 $2,160 $2,227 $2,628 $2,866 $3,212 3.75% 3.77% 3.88% 3.87% 3.92% HTM Securities AFS Securities Yield 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25

14THIRD QUARTER 2025 EARNINGS PRESENTATION Deposits End-of-Period ($ in millions) $12,244 $12,242 $12,575 $12,498 $13,090 Transaction Accounts Savings Money Market Brokered Time Deposits 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 Granular, Diverse and Relationship-Focused Customer Funding Base The Company benefits from a granular deposit franchise, with the top ten depositors representing approximately 3% of total deposits. Customer transaction account balances represent 48% of total deposits. Consumer deposits represent 41% of total deposits, with an average balance per account of $25 thousand. Business deposits represent 59% of total deposits, with an average balance per account of $114 thousand. The average tenure for a Seacoast customer is 10 years. 48%47%50%50%49% 5% 4%4%4%4% 33% 33% 33% 33% 34% 2% 2% 2% 4% 1%12% 11% 11% 11% 12%

15THIRD QUARTER 2025 EARNINGS PRESENTATION $705 $(326) $212 Total Deposits at 6/30/2025 Acquired Heartland Deposits Decline in Brokered Deposits Net Organic Deposit Growth Total Deposits at 9/30/2025 3Q’25 Growth in Deposits ($ in millions) Strong Deposit Growth and Well-Managed Deposit Costs Organic deposit growth of $212.3 million, or 7% annualized, of which $80.4 million was noninterest bearing, during the third quarter. Continued focus on organic growth and relationship- based funding. The addition of commercial talent onboarding new relationships, in combination with our innovative analytics platform, supports a well- diversified, low-cost deposit portfolio. 12-Month Trend for Cost of Deposits 2.16% 2.09% 1.98% 1.93% 1.93% 1.92% 1.85% 1.78% 1.78% 1.83% 1.84% 1.77% Oct'24 Nov'24 Dec'24 Jan'25 Feb'25 Mar'25 Apr'25 May'25 Jun'25 Jul'25 Aug'25 Sep'25 $13,090$12,498 7% annualized organic deposit growth

16THIRD QUARTER 2025 EARNINGS PRESENTATION $16.20 $16.12 $16.71 $17.19 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 9.6% 9.6% 9.6% 9.8% 9.8% 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 16.1% 16.2% 16.1% 16.1% 15.9%14.7% 14.8% 14.7% 14.6% 14.5% Total Risk Based Capital Tier 1 Ratio 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 10.3% 10.9% 10.2% 12.8% 10.7%10.3% 12.7% 10.3% 13.3% 13.0% GAAP - ROTCE Adjusted - ROTCE 3Q'24 4Q'24 1Q'25 2Q'25 3Q'25 1Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. 2FDICIA defines well capitalized as 10.0% for total risk-based capital and 8.0% for Tier 1 ratio at a total Bank level. 3 Current quarter ratios are estimated. Tangible Book Value Per Share Tangible Common Equity / Tangible Assets Total Risk-Based and Tier 1 Capital3Return on Tangible Common Equity 1 10.0%2 8.0%2 Robust Capital Position Supporting a Fortress Balance Sheet $17.61

17THIRD QUARTER 2025 EARNINGS PRESENTATION Appendix

18THIRD QUARTER 2025 EARNINGS PRESENTATION Quarterly Trend Nine Months Ended ($ in thousands) 3Q'25 2Q'25 1Q'25 4Q'24 3Q'24 3Q'25 3Q'24 Commercial pipeline at period end $ 1,134,119 $ 861,237 $ 904,111 $ 634,150 $ 773,492 $ 1,134,119 $ 773,492 Commercial loan originations 757,912 715,271 422,837 748,342 518,041 1,896,020 1,165,644 Residential pipeline-saleable at period end 21,320 14,371 15,495 6,727 11,222 21,320 11,222 Residential loans-sold 20,216 26,362 15,531 11,764 23,200 62,109 59,922 Residential pipeline-portfolio at period end 19,869 29,160 37,532 35,068 21,920 19,869 21,920 Residential loans-retained 56,807 58,201 70,322 99,916 51,507 185,330 145,373 Consumer pipeline at period end 20,336 16,174 24,433 17,384 24,447 20,336 24,447 Consumer originations 58,638 53,784 46,732 42,607 65,140 159,154 173,357 Total Pipelines at Period End $ 1,195,644 $ 920,942 $ 981,571 $ 693,329 $ 831,081 $ 1,195,644 $ 831,081 Total Originations $ 893,573 $ 853,618 $ 555,422 $ 902,629 $ 657,888 $ 2,302,613 $ 1,589,852 Loan Production and Pipeline Trend

19THIRD QUARTER 2025 EARNINGS PRESENTATION Acquisition of Villages Bancorporation, Holding Company of Citizens First Bank Note: Deposit data as of June 30, 2025 Sources: S&P Capital IQ Pro. FDIC Transformative acquisition of Villages Bancorporation, Inc. (“VBI”), holding company of Citizens First Bank, established in 1991 by the developers of , a unique, affluent and growing 55+ residential community development in central Florida Adds $4.1 billion assets, $1.3 billion loans and $3.5 billion low-cost deposits and provides Seacoast with a long-term, scalable banking platform in that will benefit from the growth of the population and the development itself Scarcity value of acquiring the leading bank located within community with 51% market share VBI’s profitable but low-risk balance sheet and a transaction structure that utilizes Seacoast’s excess capital drive notable improvement in Seacoast’s performance metrics and ~24% earnings accretion, with limited execution risk Consistently strong earnings stream, averaging over 1.00% ROA over the past 5 years with a conservative and highly liquid balance sheet: 38% loan / deposit ratio and 1.40% cost of deposits provide runway for additional high margin growth Banking Subsidiary of Villages Bancorporation, Inc.

20THIRD QUARTER 2025 EARNINGS PRESENTATION A Strategically Compelling Acquisition with Granular Core Deposits 1. Deposit data for Florida-based banks as of June 30, 2025. Reflects Florida domiciled deposits. Excludes Raymond James Financial, Inc. 2. 2026 fully-phased in EPS accretion. For illustrative purposes, assumes transaction closes December 31, 2025, cost savings are 100% phased-in and excludes one-time transaction related costs 3. Financial data as of June 30, 2025 Source: S&P Capital IQ Pro • Double-digit EPS accretion of ~24%² with a tangible book value earnback period of approximately 2.8 years • Provides scale and efficiencies to improve profitability positioning relative to peers • Drives high returns for shareholders through a conservatively modeled and low-execution risk transaction with long-term franchise value benefit • Significant revenue synergies from delivering Seacoast’s products and capabilities to VBI’s customers (not modeled) Financially Attractive • Limited loan portfolio with opportunity to expand while maintaining a track record of conservative credit with 0.00% NCOs / Avg. Loans³ • Fills a gap in Seacoast’s Florida footprint in one of the last untapped (and historically inaccessible) growth markets in the state • The Villages’ master-planned community model has proven scalable, with seamless integration of new neighborhoods and amenities that will continue to provide consumer and commercial banking opportunities • Seacoast’s long history of acquisition and integration experience mitigates integration risk Well-Positioned for Future Success • Creates a ~$21 billion asset franchise in some of the fastest growing markets in the United States, ranking as the 2nd largest publicly-traded bank in Florida by deposit market share and the largest pure play Florida public bank¹ • Provides an ample source of long-term, low cost liquidity and a new and growing customer base primarily composed of affluent retirees with predictable income streams and a need for multiple banking products • Strong mortgage platform with robust mortgage lending opportunities throughout The Villages and the surrounding areas • Right of first refusal and exclusivity provisions protect Seacoast’s position and ability to grow along with the population and development itself Strategic Rationale

21THIRD QUARTER 2025 EARNINGS PRESENTATION Selected Assets and Liabilities Prior to Acquisition (excludes purchase accounting and fair value adjustments) October 2025 Acquisition of Villages Bancorporation, Inc. (in thousands) September 30, 2025 Selected Assets: Cash and cash equivalents $ 33,121 Securities 2,534,696 Loans 1,272,077 Selected Liabilities: Noninterest bearing deposits $ 556,865 Interest bearing deposits/Savings/MMA 2,169,501 Time deposits 690,892 Total Deposits $ 3,417,258 Preliminary Purchase Price Information (in thousands, except share data) Cash consideration, including cash in lieu of fractional shares $ 183,360 Common Stock consideration (9,923,263 shares issued at October 1 closing price) 302,660 Preferred Stock consideration (11,250 shares1 issued at October 1 closing price) 343,125 Total merger consideration $ 829,145 Purchase accounting and fair value adjustments are pending completion. • Estimated credit losses on loans identified as Purchase Credit Deteriorated (PCD) loans will be recorded as allowance for credit losses. • Estimated credit losses on non-PCD loans will be recorded as an adjustment to provision for credit losses at the acquisition date. 1 Preferred stock is 1/1000th share for every share of common stock

22THIRD QUARTER 2025 EARNINGS PRESENTATION Recognition 2nd consecutive year 5th consecutive year 1st time winner5th consecutive year 2nd consecutive year 3rd consecutive year 1st time winner

23THIRD QUARTER 2025 EARNINGS PRESENTATION This presentation contains financial information determined by methods other than Generally Accepted Accounting Principles (“GAAP”). The financial highlights provide reconciliations between GAAP and adjusted financial measures including net income, noninterest income, noninterest expense, tax adjustments and other financial ratios. Management uses these non-GAAP financial measures in its analysis of the Company’s performance and believes these presentations provide useful supplemental information, and a clearer understanding of the Company’s performance. The Company believes the non-GAAP measures enhance investors’ understanding of the Company’s business and performance and if not provided would be requested by the investor community. These measures are also useful in understanding performance trends and facilitate comparisons with the performance of other financial institutions. The limitations associated with operating measures are the risk that persons might disagree as to the appropriateness of items comprising these measures and that different companies might define or calculate these measures differently. The Company provides reconciliations between GAAP and these non-GAAP measures. These disclosures should not be considered an alternative to GAAP. Explanation of Certain Unaudited Non-GAAP Financial Measures

24THIRD QUARTER 2025 EARNINGS PRESENTATION Quarterly Trend Nine Months Ended (Amounts in thousands except per share data) 3Q'25 2Q'25 1Q'25 4Q'24 3Q'24 3Q'25 3Q'24 Net Income $ 36,467 $ 42,687 $ 31,464 $ 34,085 $ 30,651 $ 110,618 $ 86,901 Total noninterest income 23,818 24,521 22,180 17,068 23,679 70,519 66,360 Securities losses (gains), net 841 (39) (196) 8,388 (187) 606 (372) Total Adjustments to Noninterest Income 841 (39) (196) 8,388 (187) 606 (372) Total Adjusted Noninterest Income 24,659 24,482 21,984 25,456 23,492 71,125 65,988 Total noninterest expense 101,987 91,730 90,597 85,575 84,818 284,314 257,726 Merger-related charges (10,808) (2,422) (1,051) — — (14,281) — Business continuity expenses - hurricane events — — — (280) — — — Branch reductions and other expense initiatives — — — — — — (7,094) Adjustments to Noninterest Expense (10,808) (2,422) (1,051) (280) — (14,281) (7,094) Adjusted Noninterest Expense 91,179 89,308 89,546 85,295 84,818 270,033 250,632 Income Taxes 10,461 12,589 9,386 9,513 8,602 32,436 25,341 Tax effect of adjustments 2,952 604 217 2,197 (47) 3,773 1,703 Adjusted Income Taxes 13,413 13,193 9,603 11,710 8,555 36,209 27,044 Adjusted Net Income $ 45,164 $ 44,466 $ 32,102 $ 40,556 $ 30,511 $ 121,732 $ 91,920 Earnings per diluted share, as reported 0.42 0.50 0.37 0.40 0.36 1.28 1.02 Adjusted Earnings per Diluted Share $ 0.52 $ 0.52 $ 0.38 $ 0.48 $ 0.36 $ 1.41 $ 1.08 Average diluted shares outstanding 87,425 85,479 85,388 85,302 85,069 86,154 84,915 GAAP to Non-GAAP Reconciliation

25THIRD QUARTER 2025 EARNINGS PRESENTATION Quarterly Trend Nine Months Ended (Amounts in thousands except per share data) 3Q'25 2Q'25 1Q'25 4Q'24 3Q'24 3Q'25 3Q'24 Adjusted Noninterest Expense $ 91,179 $ 89,308 $ 89,546 $ 85,295 $ 84,818 $ 270,033 $ 250,632 Provision for credit losses on unfunded commitments (150) (150) (150) (250) (250) (450) (751) Other real estate owned expense and net gain (loss) on sale 346 (8) (241) (84) (491) 97 (356) Amortization of intangibles (6,005) (5,131) (5,309) (5,587) (6,002) (16,445) (18,297) Net Adjusted Noninterest Expense 85,370 84,019 83,846 79,374 78,075 253,235 231,228 Average tangible assets $ 15,658,723 $ 15,004,763 $ 14,593,955 $ 14,397,331 $ 14,184,085 $ 15,089,715 $ 14,023,961 Net Adjusted Noninterest Expense to Average Tangible Assets 2.16 % 2.25 % 2.33 % 2.19 % 2.19 % 2.24 % 2.20 % Net Revenue $ 157,286 $ 151,385 $ 140,697 $ 132,872 $ 130,344 $ 449,368 $ 382,527 Total Adjustments to Net Revenue 841 (39) (196) 8,388 (187) 606 (372) Impact of FTE adjustment 438 431 340 311 310 1,209 763 Adjusted Net Revenue on a FTE basis $ 158,565 $ 151,777 $ 140,841 $ 141,571 $ 130,467 $ 451,183 $ 382,918 Adjusted Efficiency Ratio 53.84 % 55.36 % 59.53 % 56.07 % 59.84 % 56.13 % 60.39 % Net Interest Income $ 133,468 $ 126,864 $ 118,517 $ 115,804 $ 106,665 $ 378,849 $ 316,167 Impact of FTE adjustment 438 431 340 311 310 1,209 763 Net Interest Income Including FTE adjustment 133,906 127,295 118,857 116,115 106,975 380,058 316,930 Total noninterest income 23,818 24,521 22,180 17,068 23,679 70,519 66,360 Total noninterest expense less provision for credit losses on unfunded commitments 101,837 91,580 90,447 85,325 84,568 283,864 256,975 Pre-Tax Pre-Provision Earnings 55,887 60,236 50,590 47,858 46,086 166,713 126,315 Total Adjustments to Noninterest Income 841 (39) (196) 8,388 (187) 606 (372) Total Adjustments to Noninterest Expense including other real estate owned expense and net loss on sale 10,462 2,430 1,292 364 491 14,184 7,450 Adjusted Pre-Tax Pre-Provision Earnings $ 67,190 $ 62,627 $ 51,686 $ 56,610 $ 46,390 $ 181,503 $ 133,393 GAAP to Non-GAAP Reconciliation

26THIRD QUARTER 2025 EARNINGS PRESENTATION Quarterly Trend Nine Months Ended (Amounts in thousands except per share data) 3Q'25 2Q'25 1Q'25 4Q'24 3Q'24 3Q'25 3Q'24 Average Assets $ 16,486,017 $ 15,801,194 $ 15,395,642 $ 15,204,041 $ 14,996,846 $ 15,898,279 $ 14,843,007 Less average goodwill and intangible assets (827,294) (796,431) (801,687) (806,710) (812,761) (808,564) (819,046) Average Tangible Assets $ 15,658,723 $ 15,004,763 $ 14,593,955 $ 14,397,331 $ 14,184,085 $ 15,089,715 $ 14,023,961 Return on Average Assets (ROA) 0.88 % 1.08 % 0.83 % 0.89 % 0.81 % 0.93 % 0.78 % Impact of other adjustments for Adjusted Net Income 0.21 0.05 0.02 0.17 — 0.09 0.05 Adjusted ROA 1.09 1.13 0.85 1.06 0.81 1.02 0.83 ROA 0.88 1.08 0.83 0.89 0.81 0.93 0.78 Impact of removing average intangible assets and related amortization 0.16 0.16 0.15 0.17 0.18 0.16 0.18 Return on Average Tangible Assets (ROTA) 1.04 1.24 0.98 1.06 0.99 1.09 0.96 Impact of other adjustments for Adjusted Net Income 0.22 0.05 0.02 0.18 (0.01) 0.10 0.05 Adjusted ROTA 1.26 % 1.29 % 1.00 % 1.24 % 0.98 % 1.19 % 1.01 % Average Shareholders' Equity $ 2,345,233 $ 2,252,208 $ 2,214,995 $ 2,203,052 $ 2,168,444 $ 2,271,289 $ 2,134,941 Less average goodwill and intangible assets (827,294) (796,431) (801,687) (806,710) (812,761) (808,564) (819,046) Average Tangible Equity 1,517,939 1,455,777 1,413,308 1,396,342 1,355,683 1,462,725 1,315,895 Return on Average Shareholders' Equity 6.17 % 7.60 % 5.76 % 6.16 % 5.62 % 6.51 % 5.44 % Impact of removing average intangible assets and related amortization 4.53 5.22 4.41 4.74 4.69 4.72 4.77 Return on Average Tangible Common Equity (ROTCE) 10.70 12.82 10.17 10.90 10.31 11.23 10.21 Impact of other adjustments for Adjusted Net Income 2.28 0.49 0.18 1.84 (0.04) 1.02 0.51 Adjusted ROTCE 12.98 % 13.31 % 10.35 % 12.74 % 10.27 % 12.25 % 10.72 % Loan Interest Income1 $ 162,341 $ 157,499 $ 150,973 $ 152,303 $ 151,282 $ 470,812 $ 446,108 Accretion on acquired loans (9,543) (10,583) (8,221) (11,717) (9,182) (28,347) (29,955) Loan interest income excluding accretion on acquired loans $ 152,798 $ 146,916 $ 142,752 $ 140,586 $ 142,100 $ 442,465 $ 416,153 GAAP to Non-GAAP Reconciliation

27THIRD QUARTER 2025 EARNINGS PRESENTATION Quarterly Trend Nine Months Ended (Amounts in thousands except per share data) 3Q'25 2Q'25 1Q'25 4Q'24 3Q'24 3Q'25 3Q'24 Yield on Loans1 5.96 % 5.98 % 5.90 % 5.93 % 5.94 % 5.95 % 5.93 % Impact of accretion on acquired loans (0.35) (0.40) (0.32) (0.45) (0.36) (0.36) (0.40) Yield on loans excluding accretion on acquired loans 5.61 % 5.58 % 5.58 % 5.48 % 5.58 % 5.59 % 5.53 % Net Interest income1 $ 133,906 $ 127,295 $ 118,857 $ 116,115 $ 106,975 $ 380,058 $ 316,930 Accretion on acquired loans (9,543) (10,583) (8,221) (11,717) (9,182) (28,347) (29,955) Net interest income excluding accretion on acquired loans $ 124,363 $ 116,712 $ 110,636 $ 104,398 $ 97,793 $ 351,711 $ 286,975 Net Interest Margin1 3.57 % 3.58 % 3.48 % 3.39 % 3.17 % 3.55 % 3.19 % Impact of accretion on acquired loans (0.25) (0.29) (0.24) (0.34) (0.27) (0.27) (0.30) Net interest margin excluding accretion on acquired loans 3.32 % 3.29 % 3.24 % 3.05 % 2.90 % 3.28 % 2.89 % Securities Interest Income1 $ 36,029 $ 32,519 $ 29,422 $ 26,986 $ 26,005 $ 97,971 $ 72,634 Tax equivalent adjustment on securities (10) (7) (7) (7) (8) (25) (22) Securities interest income excluding tax equivalent adjustment 36,019 32,512 29,415 26,979 25,997 97,946 72,612 Loan Interest Income1 162,341 157,499 150,973 152,303 151,282 470,812 446,108 Tax equivalent adjustment on loans (428) (424) (333) (304) (302) (1,184) (741) Loan interest income excluding tax equivalent adjustment 161,913 157,075 150,640 151,999 150,980 469,628 445,367 Net Interest Income1 133,906 127,295 118,857 116,115 106,975 380,058 316,930 Tax equivalent adjustment on securities (10) (7) (7) (7) (8) (25) (22) Tax equivalent adjustment on loans (428) (424) (333) (304) (302) (1,184) (741) Net interest income excluding tax equivalent adjustment $ 133,468 $ 126,864 $ 118,517 $ 115,804 $ 106,665 $ 378,849 $ 316,167 1 On a fully taxable equivalent basis. All yields and rates have been computed using amortized cost. GAAP to Non-GAAP Reconciliation

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Cover Page	Oct. 27, 2025
Cover [Abstract]
Document Type	8-K
Document Period End Date	Oct. 27, 2025
Entity Registrant Name	SEACOAST BANKING CORPORATION OF FLORIDA
Entity Incorporation, State or Country Code	FL
Entity File Number	000-13660
Entity Tax Identification Number	59-2260678
Entity Address, Address Line One	815 COLORADO AVENUE,
Entity Address, City or Town	STUART
Entity Address, State or Province	FL
Entity Address, Postal Zip Code	34994
City Area Code	772
Local Phone Number	287-4000
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Title of 12(b) Security	Common Stock, $0.10 par value
Trading Symbol	SBCF
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false
Entity Central Index Key	0000730708
Amendment Flag	false