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): January 23, 2026

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 January 29, 2026, Seacoast Banking Corporation of Florida ("Seacoast or the "Company") announced its financial results for the quarter and year ended December 31, 2025. A copy of the press release announcing Seacoast’s results for the quarter and year ended December 31, 2025, is attached hereto as Exhibit 99.1 and incorporated herein by reference.

Item 7.01    Regulation FD Disclosure

On January 30, 2026, Seacoast will hold an investor conference call to discuss its financial results for the quarter and year ended December 31, 2025. The conference call begins at 10:00 a.m. Eastern Time. 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 December 31, 2025, and the Company does not assume any obligation to correct or update said information in the future, unless required to do so by law.

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, unless expressly stated in such filing.

Item 8.01    Other Events

On January 23, 2026, Seacoast repositioned a portion of its available for sale securities portfolio. The Company sold securities with an average book yield of 1.9%, resulting in a pre-tax loss of approximately $39.5 million. The proceeds, approximately $277 million, were reinvested in primarily agency mortgage-backed securities with an average taxable equivalent book yield of 4.8%.

Item 9.01    Financial Statements and Exhibits

(d) Exhibits

Exhibit No.	Description
99.1	Press Release dated January 29, 2026, with respect to Seacoast's financial results for the quarter and year ended December 31, 2025
99.2	Data on website containing information used in the conference call to be held on January 30, 2026
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 unless the Company is legally required to do so.

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: January 29, 2026	/s/ Tracey L. Dexter
	Tracey L. Dexter
	Chief Financial Officer

EX-99.1

SEACOAST REPORTS FOURTH QUARTER AND FULL YEAR 2025RESULTS

15% Fourth Quarter Annualized Organic Loan Growth

Net Interest Income Up 31% Quarter over Quarter and 28% Year over Year

Transformative Acquisition of Villages Bancorporation, Inc. Adds $4.4 Billion in Assets

STUART, Fla., January 29, 2026 /BUSINESS WIRE/ -- Seacoast Banking Corporation of Florida ("Seacoast" or the "Company") (NASDAQ: SBCF) today reported unaudited results of operations and other financial information for the fourth quarter and full year 2025.

FourthQuarter 2025 Highlights

•Net income of $34.3 million included $18.1 million in merger and integration costs and $23.4 million in day-one credit provisions in the Villages Bancorporation, Inc. (“VBI”) acquisition.

•On an adjusted basis, pre-tax pre-provision earnings1 of $93.2 million increased 39% from the prior quarter and 65% from the prior year quarter.

•15% annualized organic loan growth.

•Well-controlled expenses, with an improved efficiency ratio.

•Expanded branch footprint with new locations in Bradenton, FL and our first branch in the greater Atlanta market.

•Continued industry-leading strength in capital and liquidity.

Charles M. Shaffer, Seacoast's Chairman and CEO, said, “Seacoast delivered another quarter ofstrong financial performance, highlighted by robust loan growth and continued expansion in pre‑tax pre‑provision earnings. These results underscore the strength, resilience, and momentum of our franchise, which continues to outperform across our markets. We are thrilled to have completed our acquisition of Villages Bancorporation, Inc., a transaction that brings us top‑tier market share and a high‑quality, low‑cost deposit base in the rapidly growing The Villages® community. This acquisition further strengthened our competitive position and enhances our capacity for sustained growth and industry‑leading performance.”

Shaffer added, “Our balance sheet remains exceptionally strong, supported by solid capital levels and a highly resilient liquidity position. This strong foundation provides us with meaningful flexibility to continue strategically deploying resources to drive profitable growth. With a fortified capital base and disciplined balance sheet management, we are well‑positioned to support our customers, invest in our franchise, and extend our long‑term record of growth and value creation.”

Shaffer concluded, “As we look ahead to 2026, we are confident and excited about the shareholder returns we expect to deliver, particularly in the back half of the year. We have included a detailed slide outlining our expectations in the supplemental presentation materials, reflecting the growing momentum across our franchise and the clear path we see toward enhanced performance and long‑term value creation.”

Acquisitions Update

Seacoast’s balanced growth strategy, combining organic growth with value-creating acquisitions, continues to benefit shareholders and expand the franchise.

On October 1, 2025, the Company completed its acquisition of VBI. This transformative transaction expands the Company’s presence in North Central Florida and into The Villages® community, adding approximately $1.2 billion in loans and $3.5 billion in deposits, along with 19 branches. 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 early in the third quarter of 2026. Non-voting, convertible preferred shares were issued in connection with the acquisition. These shares are fully convertible to common shares when transferred to a non-affiliate of the VBI holder. As such, performance metrics presented throughout this document assume full conversion of preferred shares into common shares. See “Presentation of Common and Preferred Shares” for further details.

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

In the third quarter of 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.

Financial Results

Income Statement

•Net revenues were $203.3 million in the fourth quarter of 2025, an increase of $46.0 million, or 29%, compared to the prior quarter, and an increase of $70.4 million, or 53%, compared to the prior year quarter. Adjusted net revenues1 were $204.8 million in the fourth quarter of 2025, an increase of $46.2 million, or 29%, compared to the prior quarter, and an increase of $63.2 million, or 45%, compared to the prior year quarter.

•Pre-tax pre-provision earnings1 were $75.1 million in the fourth quarter of 2025 and included $18.1 million in merger and integration costs. Pre-tax pre-provision earnings1 in the fourth quarter of 2025increased $19.3 million, or 34%, compared to the third quarter of 2025 and increased$27.3 million, or 57%, compared to the fourth quarter of 2024. Adjusted pre-tax pre-provision earnings1 were $93.2 million in the fourth quarter of 2025, an increase of $26.0 million, or 39%, compared to the third quarter of 2025 and an increase of $36.6 million, or 65%, compared to the fourth quarter of 2024.

•Net interest income totaled $174.6 million in the fourth quarter of 2025, an increase of $41.2 million, or31%, compared to the prior quarter, and an increase of $58.8 million, or 51%, compared to the fourth quarter of 2024. The increase was largely driven by growing loan and securities balances. Interest income on loans increased by $25.5 million in the fourth quarter of 2025, reflecting continued strong loan production. Included in loan interest income was accretion on acquired loans of $10.6 million in the fourth quarter of 2025, $9.5 million in the third quarter of 2025, and $11.7 million in the fourth quarter of 2024. Securities income increased $20.7 million, or 58%, primarily through the acquisition of VBI. Interest expense on deposits increased $6.9 million, or 16%, compared to the prior quarter, and increased $2.6 million, or 5%, compared to the fourth quarter of 2024. The increase from the prior quarter reflects higher average balances and the addition of VBI customers.

•Net interest margin increased nine basis points to 3.66% in the fourth quarter of 2025 compared to 3.57% in the third quarter of 2025, and increased 27 basis points compared to 3.39% in the fourth quarter of 2024. Excluding the effects of accretion on acquired loans, net interest margin expanded 12 basis points to 3.44% in the fourth quarter of 2025 compared to 3.32% in the third quarter of 2025, and increased 39 basis points compared to 3.05% in the fourth quarter of 2024. Loan yields were 6.02%, an increase of six basis points from the prior quarter and an increase of nine basis points from the prior year quarter. Securities yields increased 21 basis points to 4.13%, compared to 3.92% in the prior quarter and increased 37 basis points compared to 3.77% in the prior year quarter. The cost of deposits declined 14 basis points to 1.67% in the fourth quarter of 2025 compared to 1.81% in the prior quarter, and declined 41 basis points compared to 2.08% in the fourth quarter of 2024. The cost of funds declined 16 basis points to 1.80% quarter over quarter, and declined 37 basis points compared to the prior year quarter.

•The provision for credit losses was $29.3 million in the fourth quarter of 2025, largely the result of the acquisition of VBI which resulted in a day-one loan loss provision of $22.7 million. Allowance coverage of 1.42% increased eight basis points compared to September 30, 2025, with higher coverage levels assigned to acquired VBI loans.

•Noninterest income totaled $28.6 million in the fourth quarter of 2025, an increase of $4.8 million, or 20%, compared to the prior quarter, and an increase of $11.6 million, or 68%, compared to the prior year quarter. Changes included:

•Service charges on deposits totaled $6.5 million, an increase of $0.3 million, or 4%, from the prior quarter, and an increase of $1.3 million, or 26%, from the prior year quarter, reflecting the closing of the VBI acquisition and continued onboarding of new relationships.

•Wealth management income totaled $5.5 million, an increase of $1.0 million, or 21%, from the prior quarter and an increase of $1.5 million, or 38%, from the prior year quarter. Assets under management have grown 37% year over year. The wealth management division has continued to deliver significant growth, adding $549 million in new organic assets under management in 2025.

•Mortgage banking income totaled $3.1 million, an increase from $0.5 million in the prior quarter and from $0.3 million in the prior year quarter, reflecting the addition of mortgage banking activities from the VBI acquisition.

•Bank Owned Life Insurance income totaled $2.7 million, a decrease of $1.2 million, or 31%, from the prior quarter and an increase of $0.1 million, or 2%, from the prior year quarter. The third quarter of 2025 included death benefit payouts of $1.3 million.

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

•Other income totaled $7.1 million, an increase of $1.1 million, or 18%, compared to the prior quarter and a decrease of $3.3 million, or 32%, from the prior year quarter. The increase from the prior quarter primarily reflects higher gains on SBIC investments. The decrease from the prior year quarter primarily reflects lower gains on SBIC investments and loan sales.

•Noninterest expense was $130.5 million in the fourth quarter of 2025, an increase of $28.6 million, or 28%, compared to the prior quarter, and an increase of $45.0 million, or 53%, compared to the prior year quarter. In the fourth quarter of 2025, merger and integration costs totaled $18.1 million. Results in the fourth quarter of 2025 alsoincluded:

•Salaries and wages totaled$53.9 million, an increase of $7.6 million, or 16%, fromthe prior quarter and an increase of $11.6 million, or 27%, from the prior year quarter. The increase from the prior quarter reflects the continued expansion of the footprint, including the acquisition of VBI, and higher performance driven incentive compensation.

•Employee benefits totaled $8.5 million, an increase of $1.1 million, or 15%, from the prior quarter and an increase of $1.9 million, or 30%, from the prior year quarter.

•Outsourced data processing costs totaled $11.3 million, an increase of $1.9 million, or 21%, from the prior quarter and an increase of $3.0 million, or 36%, from the prior year quarter. The increases reflect higher transaction volume and growth in customers, including from the acquisition of VBI.

•Occupancy costs totaled $9.3 million, an increase of $1.7 million, or 22%, compared to the prior quarter and an increase of $2.1 million, or 29%, from the prior year quarter, due to growth in the branch network.

•Legal and professional fees totaled $2.1 million, an increase of $0.4 million, or 26%, compared to the prior quarter and a decrease of $0.7 million, or 25%, from the prior year quarter. The increase is largely associated with the timing of various projects.

•Amortization of intangibles increased $4.4 million with the addition of $110.5 million in core deposit intangible assets from the VBI acquisition. These assets will be amortized using an accelerated amortization method over approximately 10 years.

•Provision for credit losses on unfunded commitments increased $0.7 million as a result of the acquisition of VBI.

•Other expense totaled $7.2 million, an increase of $1.3 million, or 22%, compared to the prior quarter and an increase of $1.2 million, or 20%, from the prior year quarter.

•The efficiency ratio was 63.36% in the fourth quarter of 2025, compared to 64.44% in the third quarter of 2025 and 60.21% in the prior year quarter. The adjusted efficiency ratio1 improved to 54.50% in the fourth quarter of 2025, compared to 57.63% in the third quarter of 2025 and 60.01% in the prior year quarter. The Company continues to remain keenly focused on disciplined expense control, while making investments for growth.

Balance Sheet

•Debt securities totaled $5.8 billion as of December 31, 2025, an increase of $1.9 billion compared to September 30, 2025. Debt securities as of December 31, 2025 included approximately $5.2 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 $586.2 million in securities classified as held-to-maturity with a fair value of $489.6 million.

•$2.5 billion in securities were added through the VBI acquisition. Of the securities acquired, approximately $1.5 billion were sold, and the proceeds were reinvested into new positions with an average yield of 5.3%. Portfolio yield increased 21 basis points to 4.13% from 3.92% in the prior quarter, reflecting the higher yield securities purchased and acquired.

•With higher capital at VBI and lower dilution than originally modeled, along with constructive market conditions, in January 2026, the Company repositioned a portion of its available-for-sale securities portfolio. Securities with an average book yield of 1.9% were sold, resulting in a pre-tax loss of approximately $39.5 million impacting first quarter 2026 results. The proceeds of approximately $277 million were reinvested in primarily agency mortgage-backed securities with an average taxable equivalent book yield of 4.8%.

•Loans increased $1.7 billion during the fourth quarter of 2025, totaling $12.6 billion as of December 31, 2025. Annualized organic loan growth, excluding the acquisition of VBI, was 15%. The Company 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. The increase in annualized net loan growth was the result of a strong quarter by our commercial team and

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

the addition of the VBI mortgage activity. In addition, we chose to portfolio a larger portion of the volume originated in The Villages community footprint given the strong credit scores and shorter loan duration.

•Total deposits were $16.3 billion as of December 31, 2025, an increase of $3.2 billion when compared to September 30, 2025. This increase includes $3.5 billion in deposits from the acquisition of VBI, partially offset by declines of $68.7 million in brokered deposits. Outflows were largely the result of a targeted strategy to lower rates on certain categories of accounts.

•Average noninterest bearing demand deposits totaled $4.1 billion in the fourth quarter of 2025, an increase of 15% from $3.5 billion in the third quarter of 2025, and an increase of 20% from $3.4 billion in the fourth quarter of 2024.

•The cost of deposits declined 14 basis points to 1.67% from 1.81% in the prior quarter.

•At December 31, 2025, customer transaction account balances represented 48% of total deposits. The Company continues to benefit from a granular deposit franchise, with the top ten depositors representing approximately 3% of total deposits.

•Consumer deposits represent 50% of overall deposit funding with an average consumer customer balance of $26 thousand. Commercial deposits represent 50% of overall deposit funding with an average business customer balance of $116 thousand.

•Federal Home Loan Bank borrowings averaged $623.8 million at 4.27% for the fourth quarter of 2025, compared to average borrowings of $637.8 million at 4.17% in the third quarter of 2025.

Asset Quality

•The ratio of criticized and classified loans to total loans was 2.82% at December 31, 2025, compared to 2.50% at September 30, 2025, and 2.17% at December 31, 2024. The increase was the result of the VBI acquisition.

•Accruing past due loans were $33.2 million, or 0.26% of total loans, at December 31, 2025, compared to $20.3 million, or 0.19% of total loans, at September 30, 2025, and $15.6 million, or 0.15% of total loans, at December 31, 2024.

•Net charge-offs were $0.9 million in the fourth quarter of 2025, or three basis points annualized, compared to $3.2 million in the third quarter of 2025 and $6.1 million in the fourth quarter of 2024. For the full year 2025, net charge-offs were $13.6 million, or 12 basis points as a percentage of average loans, compared to $27.1 million, or 27 basis points, in the prior year.

•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.

•Construction and land development and commercial real estate loans remain well below regulatory guidance as of December 31, 2025 at 34% and 227% of total bank-level risk-based capital2, respectively, compared to 34% and 236%, respectively, at September 30, 2025. On a consolidated basis and as of December 31, 2025, construction and land development and commercial real estate loans represent 32% and 216%, respectively, of total consolidated risk-based capital2.

Capital and Liquidity

•The Company deployed capital in the fourth quarter of 2025 through the VBI acquisition, and continues to operate with a fortress balance sheet, with a Tier 1 capital ratio at December 31, 2025 of 14.4%2 compared to 14.5% at September 30, 2025, and 14.8% at December 31, 2024. The Total capital ratio was 15.8%2, the Common Equity Tier 1 capital ratio was 11.5%2, and the Tier 1 leverage ratio was 10.1%2 at December 31, 2025. The Company is considered “well capitalized” based on applicable U.S. regulatory capital ratio requirements.

•Tangible equity to tangible assets was 9.31% at December 31, 2025, compared to 9.76% at September 30, 2025, and 9.60% at December 31, 2024. If all held-to-maturity securities were adjusted to fair value, the tangible equity ratio would have been 8.96% at December 31, 2025. The decline quarter over quarter was the result of capital invested in the VBI acquisition.

•At December 31, 2025, in addition to $388.5 million in cash, the Company had $7.6 billion in available borrowing capacity, including $3.4 billion in available collateralized lines of credit, $3.8 billion of unpledged debt securities available as collateral for potential additional borrowings, and available unsecured lines of credit of $348.0 million.

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

2Estimated

OTHER INFORMATION

Conference Call Information

Seacoast will host a conference call on January 30, 2026, at 10:00 a.m. (Eastern Time) to discuss the fourth quarter of 2025 earnings results and business trends. Investors may call in (toll-free) by dialing (800) 715-9871 (Conference ID: 3069645). 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 $20.8 billion in assets and $16.3 billion in deposits as of December 31, 2025. Seacoast provides integrated financial services including commercial and consumer banking, wealth management, and mortgage services to customers at 104 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 or impacts to reported earnings that may be realized from cost controls, tax law changes, conversion of preferred shares into common shares, new initiatives and for integration of banks (including Villages Bancorporation, Inc.) 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 continued 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, 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, and limit deposit, customer and employee attrition; 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, civil unrest, 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; legislative, regulatory or supervisory actions related to so-called “de-banking,” including any new prohibitions, requirements or enforcement priorities that could affect customer relationships, compliance obligations, or operational practices; government actions or inactions, including, 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.

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																Twelve months ended
(Amounts in thousands, except ratios and per share data)	4Q'25			3Q'25			2Q'25				1Q'25			4Q'24			4Q'25			4Q'24
Summary of Earnings
Net income	$	34,260		$	36,467		$	42,687			$	31,464		$	34,085		$	144,878		$	120,986
Adjusted net income1	47,741			45,164			44,466				32,102			40,556			169,473			132,476
Net interest income2	176,244			133,906			127,295				118,857			116,115			556,308			433,045
Net interest margin2,3	3.66		%	3.57		%	3.58		%		3.48		%	3.39		%	3.58		%	3.24		%
Pre-tax pre-provision earnings1	$	75,141		$	55,887		$	60,236			$	50,590		$	47,858		$	241,860		$	174,173
Adjusted pre-tax pre-provision earnings1	93,170			67,190			62,627				51,686			56,610			274,679			190,003
Performance Ratios
Return on average assets-GAAP basis3	0.64		%	0.88		%	1.08		%		0.83		%	0.89		%	0.84		%	0.81		%
Adjusted return on average assets1,3	0.89			1.09			1.13				0.85			1.06			0.98			0.89
Return on average tangible assets-GAAP basis3,4	0.83			1.04			1.24				0.98			1.06			1.01			0.98
Adjusted return on average tangible assets1,3,4,6	1.10			1.26			1.29				1.00			1.24			1.16			1.06
Net adjusted noninterest expense to average tangible assets1,3,4	2.01			2.16			2.25				2.33			2.19			2.17			2.20
Return on average equity-GAAP basis3	4.43			6.17			7.60				5.76			6.16			5.86			5.62
Adjusted return on average equity1,3	6.17			7.64			7.92				5.88			7.32			6.86			6.16
Return on average tangible equity-GAAP basis3,4	9.05			10.70			12.82				10.17			10.90			10.58			10.39
Adjusted return on average tangible equity1,3,4	11.96			12.98			13.31				10.35			12.74			12.16			11.25
Efficiency ratio5	63.36			64.44			60.33				64.05			60.21			63.07			65.18
Adjusted efficiency ratio1	54.50			57.63			58.74				63.30			60.01			58.13			63.77
Noninterest income to total revenue (excluding securities gains/losses)	14.05			15.59			16.18				15.65			18.02			15.26			17.47
Tangible equity to tangible assets4	9.31			9.76			9.75				9.58			9.60			9.31			9.60
Average loan-to-deposit ratio	73.60			82.99			85.21				84.23			83.14			80.85			83.63
End of period loan-to-deposit ratio	77.78			83.84			84.96				83.17			84.27			77.78			84.27
Per Share Data
Earnings per common share-diluted-GAAP basis	$	0.31		$	0.42		$	0.50			$	0.37		$	0.40		$	1.57		$	1.42
Earnings per common share-basic-GAAP basis	0.32			0.42			0.50				0.37			0.40			1.59			1.43
Earnings per common share-diluted, treating all preferred shares as common1,6	0.31			0.42			0.50				0.37			0.40			1.58			1.42
Adjusted earnings per common share-diluted, treating all preferred shares as common1,6	0.44			0.52			0.52				0.38			0.48			1.84			1.56
Book value per common share	27.70			27.07			26.43				26.04			25.51			27.70			25.51
Book value per common share, treating all preferred shares as common6	27.99			27.07			26.43				26.04			25.51			27.99			25.51
Tangible book value per common share4	15.14			17.61			17.19				16.71			16.12			15.14			16.12
Tangible book value per common share, treating all preferred shares as common4,6	16.72			17.61			17.19				16.71			16.12			16.72			16.12
Cash dividends declared on common and preferred stock7	0.19			0.18			0.18				0.18			0.18			0.73			0.72
Other Data
Full-time equivalent employees	1,962			1,601			1,522				1,518			1,504			1,962			1,504
Number of ATMs	191			103			98				98			96			191			96
Full-service banking offices	104			84			79				79			77			104			77
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 equity as total shareholders' equity less intangible assets.
5Defined as noninterest expense less provision for credit losses on unfunded commitments 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). Prior to the fourth quarter of 2025, the Company's presentation of the efficiency ratio excluded amortization expense on intangible assets. Prior periods have been updated to align with the current presentation.
6Calculated treating all preferred shares as common. Each 1/1000th preferred share is convertible to one common share on the date a holder of preferred stock transfers such share of preferred stock to a non-affiliate of the holder. The Company believes a calculation presenting all convertible preferred shares as common provides useful supplemental information to the presentation of common share measures, as we anticipate they will be converted to common shares in the future.
7In the fourth quarter of 2025, non-voting preferred shares were issued in connection with the VBI acquisition. Those shares earn dividends pro-rata with common shares, or $0.19 per 1/1000 preferred share.

CONSOLIDATED STATEMENTS OF INCOME							(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	Quarterly Trends											Twelve months ended
(Amounts in thousands, except per share data)	4Q'25		3Q'25		2Q'25			1Q'25		4Q'24		4Q'25		4Q'24
Interest and dividends on securities:
Taxable	$	53,445	$	35,975	$	32,479		$	29,381	$	26,945	$	151,280	$	99,456
Nontaxable	3,293		44		33			34		34		3,404		135
Interest and fees on loans	187,408		161,913		157,075			150,640		151,999		657,036		597,366
Interest on interest-bearing deposits and other investments	11,914		4,780		3,760			4,200		6,952		24,654		28,602
Total Interest Income	256,060		202,712		193,347			184,255		185,930		836,374		725,559
Interest on deposits	49,988		43,133		40,633			43,626		47,394		177,380		198,210
Interest on time certificates	20,914		16,341		15,120			14,973		16,726		67,348		70,777
Interest on borrowed money	10,531		9,770		10,730			7,139		6,006		38,170		24,601
Total Interest Expense	81,433		69,244		66,483			65,738		70,126		282,898		293,588
Net Interest Income	174,627		133,468		126,864			118,517		115,804		553,476		431,971
Provision for credit losses	29,260		8,371		4,379			9,250		3,699		51,260		16,258
Net Interest Income After Provision for Credit Losses	145,367		125,097		122,485			109,267		112,105		502,216		415,713
Noninterest income:
Service charges on deposit accounts	6,472		6,194		5,540			5,180		5,138		23,386		20,852
Wealth management income	5,540		4,578		4,196			4,248		4,019		18,562		15,168
Mortgage banking income	3,108		517		685			404		326		4,714		1,774
Interchange income	2,483		2,008		1,895			1,807		1,860		8,193		7,599
Insurance agency income	1,191		1,481		1,289			1,620		1,151		5,581		5,196
BOLI income	2,687		3,875		3,380			2,468		2,627		12,410		10,065
Other	7,066		6,006		7,497			6,257		10,335		26,826		30,790
Total Noninterest Income Before Securities Gains (Losses)	28,547		24,659		24,482			21,984		25,456		99,672		91,444
Securities gains (losses), net	84		(841)		39			196		(8,388)		(522)		(8,016)
Total Noninterest Income	28,631		23,818		24,521			22,180		17,068		99,150		83,428
Noninterest expense:
Salaries and wages	53,942		46,310		44,438			42,248		42,378		186,938		162,316
Employee benefits	8,490		7,387		8,106			8,861		6,548		32,844		28,253
Outsourced data processing costs	11,257		9,337		8,525			8,504		8,307		37,623		36,638
Occupancy	9,330		7,627		7,483			7,350		7,234		31,790		29,547
Furniture and equipment	2,935		2,233		2,125			2,128		2,004		9,421		8,031
Marketing	3,149		2,509		2,958			2,748		2,126		11,364		10,776
Legal and professional fees	2,106		1,674		2,071			2,740		2,807		8,591		9,648
FDIC assessments	2,876		2,414		2,108			2,194		2,274		9,592		8,445
Amortization of intangibles	10,374		6,005		5,131			5,309		5,587		26,819		23,884
Other real estate owned expense and net (gain) loss on sale	(29)		(346)		8			241		84		(126)		440
Provision for credit losses on unfunded commitments	812		150		150			150		250		1,262		1,001
Merger and integration costs	18,142		10,808		2,422			1,051		—		32,423		—
Other	7,162		5,879		6,205			7,073		5,976		26,319		24,322
Total Noninterest Expense	130,546		101,987		91,730			90,597		85,575		414,860		343,301
Income Before Income Taxes	43,452		46,928		55,276			40,850		43,598		186,506		155,840
Provision for income taxes	9,192		10,461		12,589			9,386		9,513		41,628		34,854
Net Income	34,260		36,467		42,687			31,464		34,085		144,878		120,986
Preferred stock dividends	2,138		—		—			—		—		2,138		—
Net Income Available to Common Shareholders	$	32,122	$	36,467	$	42,687		$	31,464	$	34,085	$	142,740	$	120,986
Share Data
Net income per share of common stock
Diluted	$	0.31	$	0.42	$	0.50		$	0.37	$	0.40	$	1.57	$	1.42
Diluted, treating all preferred shares as common1	0.31		0.42		0.50			0.37		0.40		1.58		1.42
Basic	0.32		0.42		0.50			0.37		0.40		1.59		1.43
Average common shares outstanding
Diluted	97,761		87,425		85,479			85,388		85,302		89,106		85,040
Additional common shares treating all preferred shares as common1	11,250		—		—			—		—		2,836		—
Diluted, treating all preferred shares as common1	109,011		87,425		85,479			85,388		85,302		91,941		85,040
Basic	96,816		86,619		84,903			84,648		84,510		88,276		84,367
1Non-GAAP measure - see "Explanation of Certain Unaudited Non-GAAP Financial Measures" and "Presentation of Common and Preferred Shares" for more information and a reconciliation to GAAP.

CONSOLIDATED BALANCE SHEETS					(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	December 31,		September 30,			June 30,		March 31,		December 31,
(Amounts in thousands)	2025		2025			2025		2025		2024
Assets
Cash and due from banks	$	181,429	$	173,954		$	181,565	$	191,467	$	171,615
Interest-bearing deposits with other banks	207,116		132,040			150,863		309,105		304,992
Total cash and cash equivalents	388,545		305,994			332,428		500,572		476,607
Time deposits with other banks	14,424		30,852			1,494		1,494		3,215
Debt Securities:
Securities available-for-sale (at fair value)	5,164,567		3,212,080			2,866,185		2,627,959		2,226,543
Securities held-to-maturity (at amortized cost)	586,178		598,604			613,312		624,650		635,186
Total debt securities	5,750,745		3,810,684			3,479,497		3,252,609		2,861,729
Loans held for sale	16,297		10,841			8,610		16,016		17,277
Loans	12,627,984		10,964,173			10,608,824		10,443,021		10,299,950
Less: Allowance for credit losses	(178,803)		(147,453)			(142,184)		(140,267)		(138,055)
Loans, net of allowance for credit losses	12,449,181		10,816,720			10,466,640		10,302,754		10,161,895
Bank premises and equipment, net	160,139		115,392			107,256		108,478		107,555
Other real estate owned	4,250		5,085			5,335		7,176		6,421
Goodwill	1,034,735		754,645			732,417		732,417		732,417
Other intangible assets, net	195,704		76,291			61,328		66,372		71,723
Bank owned life insurance	330,563		323,214			312,860		311,453		308,995
Net deferred tax assets	66,579		74,683			87,328		93,595		102,989
Other assets	431,169		352,503			349,762		339,549		325,485
Total Assets	$	20,842,331	$	16,676,904		$	15,944,955	$	15,732,485	$	15,176,308
Liabilities
Deposits
Noninterest demand	$	3,897,985	$	3,611,920		$	3,376,941	$	3,492,491	$	3,352,372
Interest-bearing demand	3,993,225		2,753,463			2,518,857		2,734,260		2,667,843
Savings	974,694		615,566			557,472		534,991		519,977
Money market	5,141,519		4,396,458			4,111,789		4,154,682		4,086,362
Time deposits	2,248,920		1,712,912			1,932,539		1,658,372		1,615,873
Total Deposits	16,256,343		13,090,319			12,497,598		12,574,796		12,242,427
Securities sold under agreements to repurchase	389,003		236,247			186,090		201,128		232,071
Federal Home Loan Bank borrowings	835,000		690,000			715,000		465,000		245,000
Long-term debt, net	112,761		107,464			107,298		107,132		106,966
Other liabilities	193,437		174,742			167,404		154,689		166,601
Total Liabilities	17,786,544		14,298,772			13,673,390		13,502,745		12,993,065
Shareholders' Equity
Preferred stock	343,125		—			—		—		—
Common stock	9,873		8,864			8,673		8,633		8,628
Additional paid in capital	2,197,549		1,891,111			1,832,158		1,828,234		1,824,935
Retained earnings	603,793		590,384			569,833		542,665		526,642
Less: Treasury stock	(21,358)		(20,804)			(20,792)		(19,072)		(19,095)
Total Shareholders' Equity Before Accumulated Other Comprehensive Loss	3,132,982		2,469,555			2,389,872		2,360,460		2,341,110
Accumulated other comprehensive loss, net	(77,195)		(91,423)			(118,307)		(130,720)		(157,867)
Total Shareholders' Equity	3,055,787		2,378,132			2,271,565		2,229,740		2,183,243
Total Liabilities & Shareholders' Equity	$	20,842,331	$	16,676,904		$	15,944,955	$	15,732,485	$	15,176,308
Common shares outstanding	97,928		87,856			85,948		85,618		85,568
Series A convertible preferred shares, treating as common1	11,250		—			—		—		—
Total common shares outstanding, treating all preferred shares as common	109,178		87,856			85,948		85,618		85,568
1Each 1/1000th preferred share is convertible to one common share on the date a holder of preferred stock transfers such share of preferred stock to a non-affiliate of the holder.

PRESENTATION OF COMMON AND PREFERRED SHARES			(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
In the acquisition of Villages Bancorporation, Inc. ("VBI") on October 1, 2025, Seacoast issued to VBI shareholders the following:						October 1, 2025
		SBCF common shares				9,923,263
		SBCF Series A non-voting convertible preferred shares				11,250
Each 1/1000th preferred share is convertible to one common share on the date a holder of preferred stock transfers such share of preferred stock to a non-affiliate of the holder.
		SBCF common shares upon conversion of Series A convertible preferred shares				11,250,000
Additional performance measures are presented herein to include the treatment of preferred shares as common.
	Outstanding shares at period end:					December 31, 2025
		Common shares				97,927,843
		Series A convertible preferred shares				11,250
		Total common shares outstanding, treating all preferred shares as common				109,177,843
	Average common shares outstanding:			4Q'25		FY2025
		Average common shares - basic		96,816,460		88,275,748
		Dilutive effect of employee restricted stock and stock options		944,688		829,953
		Average common shares - diluted		97,761,148		89,105,701
		Additional common shares, treating all preferred shares as common		11,250,000		2,835,616
		Average common shares - diluted, treating all preferred shares as common		109,011,148		91,941,317
Series A non-voting convertible preferred shares earn dividends pro-rata with common shares, or $0.19 per 1/1000 preferred share.
		(Amounts in thousands, except per share data)		4Q'25		FY2025
		Net Income		$	34,260	$	144,878
		Less preferred stock dividends		(2,138)		(2,138)
		Net income available to common shareholders		32,122		142,740
		Less allocation of earnings to preferred stock		(1,429)		(2,434)
		Net income available to common shareholders after allocation of earnings to preferred stock		$	30,693	$	140,306
		Net income available to common shareholders after allocation of earnings to preferred stock		$	30,693	$	140,306
		Average common shares - diluted		97,761		89,106
		Earnings per common share - diluted		$	0.31	$	1.57
		Net Income		$	34,260	$	144,878
		Average common shares - diluted, treating all preferred shares as common		109,011		91,941
		Earnings per common share - diluted, treating all preferred shares as common1		$	0.31	$	1.58
1Non-GAAP measure - see "Explanation of Certain Unaudited Non-GAAP Financial Measures" and "Presentation of Common and Preferred Shares" for more information and a reconciliation to GAAP. The Company believes a calculation presenting all convertible preferred shares as common provides useful supplemental information to the presentation of common share measures, as we anticipate they will be converted to common shares in the future.

CONSOLIDATED QUARTERLY FINANCIAL DATA							(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	Quarterly Trends
(Amounts in thousands)	4Q'25			3Q'25			2Q'25			1Q'25			4Q'24
Credit Analysis
Net charge-offs	$	936		$	3,208		$	2,462		$	7,038		$	6,113
Net charge-offs to average loans	0.03		%	0.12		%	0.09		%	0.27		%	0.24		%
Allowance for credit losses	$	178,803		$	147,453		$	142,184		$	140,267		$	138,055
Non-acquired loans at end of period	9,067,802			8,415,612			8,071,619			7,752,532			7,452,175
Acquired loans at end of period	3,560,182			2,548,561			2,537,205			2,690,489			2,847,775
Total Loans	$	12,627,984		$	10,964,173		$	10,608,824		$	10,443,021		$	10,299,950
Total allowance for credit losses to total loans at end of period	1.42		%	1.34		%	1.34		%	1.34		%	1.34		%
Purchase discount on acquired loans at end of period	4.04			3.86			4.10			4.25			4.30
End of Period
Nonperforming loans	$	72,001		$	60,562		$	64,198		$	71,018		$	92,446
Other real estate owned	859			221			351			1,820			933
Properties previously used in bank operations included in other real estate owned	3,391			4,864			4,984			5,356			5,488
Total Nonperforming Assets	$	76,251		$	65,647		$	69,533		$	78,194		$	98,867
Nonperforming Loans to Loans at End of Period	0.57		%	0.55		%	0.61		%	0.68		%	0.90		%
Nonperforming Assets to Total Assets at End of Period	0.37			0.39			0.44			0.50			0.65
Loans	December 31, 2025			September 30, 2025			June 30, 2025			March 31, 2025			December 31, 2024
Construction and land development	$	723,930		$	616,475		$	603,079		$	618,493		$	648,053
Commercial real estate - owner occupied	2,043,625			1,898,704			1,778,930			1,713,579			1,686,629
Commercial real estate - non-owner occupied	4,254,992			3,766,541			3,624,528			3,513,400			3,503,808
Residential real estate	3,098,859			2,694,794			2,678,042			2,653,012			2,616,785
Commercial and financial	2,320,989			1,807,932			1,741,158			1,753,090			1,651,354
Consumer	185,589			179,727			183,087			191,447			193,321
Total Loans	$	12,627,984		$	10,964,173		$	10,608,824		$	10,443,021		$	10,299,950

AVERAGE BALANCES, INTEREST INCOME AND EXPENSES, YIELDS AND RATES 1											(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	4Q'25						3Q'25						4Q'24
	Average				Yield/		Average				Yield/		Average				Yield/
(Amounts in thousands)	Balance		Interest		Rate		Balance		Interest		Rate		Balance		Interest		Rate
Assets
Earning assets:
Securities:
Taxable	$	5,239,026	$	53,445	4.05	%	$	3,644,261	$	35,975	3.92	%	$	2,843,755	$	26,945	3.77	%
Nontaxable	314,355		4,407		5.56		6,752		54		3.17		5,795		41		2.81
Total Securities	5,553,381		57,852		4.13		3,651,013		36,029		3.92		2,849,550		26,986		3.77
Federal funds sold	987,626		9,828		3.95		258,779		2,896		4.44		470,154		5,690		4.81
Interest-bearing deposits with other banks and other investments	194,680		2,086		4.25		166,683		1,884		4.48		102,961		1,262		4.88
Total Loans, net2	12,374,373		187,910		6.02		10,805,143		162,341		5.96		10,214,493		152,303		5.93
Total Earning Assets	19,110,060		257,676		5.35	%	14,881,618		203,150		5.42	%	13,637,158		186,241		5.43	%
Allowance for credit losses	(173,790)						(144,051)						(140,409)
Cash and due from banks	153,584						166,884						167,197
Bank premises and equipment, net	161,761						114,719						108,589
Intangible assets	1,226,495						827,294						806,710
Bank owned life insurance	328,830						321,754						307,256
Other assets including deferred tax assets	396,451						317,799						317,540
Total Assets	$	21,203,391					$	16,486,017					$	15,204,041
Liabilities and Shareholders' Equity
Interest-bearing liabilities:
Interest-bearing demand	$	4,143,038	$	13,840	1.33	%	$	2,671,750	$	10,623	1.58	%	$	2,581,733	$	11,843	1.82	%
Savings	966,266		1,265		0.52		617,479		1,111		0.71		521,682		582		0.44
Money market	5,250,174		34,883		2.64		4,362,662		31,393		2.85		4,078,714		34,969		3.41
Time deposits	2,367,485		20,914		3.50		1,826,068		16,341		3.55		1,686,004		16,726		3.95
Securities sold under agreements to repurchase	395,271		2,280		2.29		224,328		1,359		2.40		209,909		1,584		3.00
Federal Home Loan Bank borrowings	623,750		6,711		4.27		637,826		6,703		4.17		245,000		2,625		4.26
Long-term debt, net and other	108,459		1,540		5.63		107,372		1,714		6.33		106,881		1,797		6.69
Total Interest-Bearing Liabilities	13,854,443		81,433		2.33	%	10,447,485		69,244		2.63	%	9,429,923		70,126		2.96	%
Noninterest demand	4,086,062						3,541,749						3,417,539
Other liabilities	195,553						151,550						153,527
Total Liabilities	18,136,058						14,140,784						13,000,989
Shareholders' equity	3,067,333						2,345,233						2,203,052
Total Liabilities & Equity	$	21,203,391					$	16,486,017					$	15,204,041
Cost of deposits					1.67	%					1.81	%					2.08	%
Cost of funds3					1.80						1.96						2.17
Interest expense as a % of earning assets					1.69						1.85						2.05
Net interest income as a % of earning assets			$	176,243	3.66	%			$	133,906	3.57	%			$	116,115	3.39	%
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
	Twelve Months Ended December 31, 2025							Twelve Months Ended December 31, 2024
	Average				Yield/			Average				Yield/
(Amounts in thousands, except ratios)	Balance		Interest		Rate			Balance		Interest		Rate
Assets
Earning assets:
Securities:
Taxable	$	3,835,729	$	151,280	3.94	%		$	2,702,763	$	99,456	3.68	%
Nontaxable	83,604		4,543		5.43			5,707		164		2.87
Total Securities	3,919,333		155,823		3.98			2,708,470		99,620		3.68
Federal funds sold	425,320		17,710		4.16			446,149		23,619		5.29
Interest-bearing deposits with other banks and other investments	151,359		6,944		4.59			102,552		4,983		4.86
Total Loans, net2	11,035,340		658,728		5.97			10,096,189		598,411		5.93
Total Earning Assets	15,531,352		839,205		5.40	%		13,353,360		726,633		5.44	%
Allowance for credit losses	(149,478)							(144,280)
Cash and due from banks	157,955							167,367
Bank premises and equipment, net	123,456							110,341
Intangible assets	913,906							815,945
Bank owned life insurance	318,261							303,486
Other assets including deferred tax assets	340,007							327,539
Total Assets	$	17,235,459						$	14,933,758
Liabilities and Shareholders' Equity
Interest-bearing liabilities:
Interest-bearing demand	$	3,038,889	$	45,781	1.51	%		$	2,614,893	$	54,960	2.10	%
Savings	665,860		3,955		0.59			570,046		2,283		0.40
Money market	4,473,830		127,644		2.85			3,775,352		140,967		3.73
Time deposits	1,887,214		67,348		3.57			1,656,269		70,777		4.27
Securities sold under agreements to repurchase	252,168		6,210		2.46			269,255		9,390		3.49
Federal Home Loan Bank borrowings	592,946		25,294		4.27			183,962		7,726		4.20
Long-term debt, net and other	107,523		6,666		6.20			106,624		7,485		7.02
Total Interest-Bearing Liabilities	11,018,430		282,898		2.57	%		9,176,401		293,588		3.20	%
Noninterest demand	3,582,837							3,455,907
Other liabilities	162,256							149,389
Total Liabilities	14,763,523							12,781,697
Shareholders' equity	2,471,936							2,152,061
Total Liabilities & Equity	$	17,235,459						$	14,933,758
Cost of deposits					1.79	%						2.23	%
Cost of funds3					1.94							2.32
Interest expense as a % of earning assets					1.82							2.20
Net interest income as a % of earning assets			$	556,307	3.58	%				$	433,045	3.24	%
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
	December 31,		September 30,			June 30,		March 31,		December 31,
(Amounts in thousands)	2025		2025			2025		2025		2024
Customer Relationship Funding
Noninterest demand
Commercial	$	3,053,115	$	2,933,228		$	2,717,688	$	2,830,497	$	2,621,469
Retail	672,779		508,204			509,539		536,661		502,967
Public funds	112,548		96,396			81,448		64,184		177,742
Other	59,543		74,092			68,266		61,149		50,194
Total Noninterest Demand	3,897,985		3,611,920			3,376,941		3,492,491		3,352,372
Interest-bearing demand
Commercial	1,534,289		1,586,997			1,466,184		1,520,186		1,467,508
Retail	2,047,462		976,318			838,340		881,282		881,236
Brokered	—		—			—		—		49,287
Public funds	411,474		190,148			214,333		332,792		269,812
Total Interest-Bearing Demand	3,993,225		2,753,463			2,518,857		2,734,260		2,667,843
Total transaction accounts
Commercial	4,587,404		4,520,225			4,183,872		4,350,683		4,088,977
Retail	2,720,241		1,484,522			1,347,879		1,417,943		1,384,203
Brokered	—		—			—		—		49,287
Public funds	524,022		286,544			295,781		396,976		447,554
Other	59,543		74,092			68,266		61,149		50,194
Total Transaction Accounts	7,891,210		6,365,383			5,895,798		6,226,751		6,020,215
Savings
Commercial	43,189		43,102			45,531		42,879		40,303
Retail	931,505		572,464			511,941		492,112		479,674
Total Savings	974,694		615,566			557,472		534,991		519,977
Money market
Commercial	2,334,255		2,303,584			2,073,098		1,999,540		1,947,250
Retail	2,584,398		1,898,375			1,853,398		1,967,239		1,925,330
Public funds	222,866		194,499			185,293		187,903		213,782
Total Money Market	5,141,519		4,396,458			4,111,789		4,154,682		4,086,362
Brokered time certificates	120,865		189,561			515,303		262,461		244,351
Time deposits	2,128,055		1,523,351			1,417,236		1,395,911		1,371,522
	2,248,920		1,712,912			1,932,539		1,658,372		1,615,873
Total Deposits	$	16,256,343	$	13,090,319		$	12,497,598	$	12,574,796	$	12,242,427
Securities sold under agreements to repurchase	389,003		236,247			186,090		201,128		232,071
Total customer funding1	$	16,524,481	$	13,137,005		$	12,168,385	$	12,513,463	$	12,180,860
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																Twelve Months Ended
(Amounts in thousands, except per share data)	4Q'25			3Q'25				2Q'25			1Q'25			4Q'24			4Q'25			4Q'24
Net Income	$	34,260		$	36,467			$	42,687		$	31,464		$	34,085		$	144,878		$	120,986
Total noninterest income	28,631			23,818				24,521			22,180			17,068			99,150			83,428
Securities (gains) losses, net	(84)			841				(39)			(196)			8,388			522			8,016
Total Adjusted Noninterest Income	28,547			24,659				24,482			21,984			25,456			99,672			91,444
Total noninterest expense	130,546			101,987				91,730			90,597			85,575			414,860			343,301
Merger and integration costs	(18,142)			(10,808)				(2,422)			(1,051)			—			(32,423)			—
Business continuity expenses - hurricane events	—			—				—			—			(280)			—			(280)
Branch reductions and other expense initiatives	—			—				—			—			—			—			(7,094)
Total Adjustments to Noninterest Expense	(18,142)			(10,808)				(2,422)			(1,051)			(280)			(32,423)			(7,374)
Adjusted Noninterest Expense	112,404			91,179				89,308			89,546			85,295			382,437			335,927
Income Taxes	9,192			10,461				12,589			9,386			9,513			41,628			34,854
Tax effect of adjustments	4,577			2,952				604			217			2,197			8,350			3,900
Adjusted Income Taxes	13,769			13,413				13,193			9,603			11,710			49,978			38,754
Adjusted Net Income	47,741			45,164				44,466			32,102			40,556			169,473			132,476
Earnings per common share-diluted, as reported	0.31			0.42				0.50			0.37			0.40			1.57			1.42
Adjusted Earnings per Common Share-Diluted	0.44			0.52				0.52			0.38			0.48			1.84			1.56
Adjusted Earnings per Common Share-Diluted, Treating all Preferred Shares as Common	$	0.44		$	0.52			$	0.52		$	0.38		$	0.48		$	1.84		$	1.56
Average common shares-diluted	97,761			87,425				85,479			85,388			85,302			89,106			85,040
Average preferred shares, treating all preferred shares as common	11,250			—				—			—			—			2,836			—
Average common shares-diluted, treating all preferred shares as common	109,011			87,425				85,479			85,388			85,302			91,941			85,040
Adjusted Noninterest Expense	$	112,404		$	91,179			$	89,308		$	89,546		$	85,295		$	382,437		$	335,927
Provision for credit losses on unfunded commitments	(812)			(150)				(150)			(150)			(250)			(1,262)			(1,001)
Other real estate owned expense and net gain (loss) on sale	29			346				(8)			(241)			(84)			126			(440)
Amortization of intangibles	(10,374)			(6,005)				(5,131)			(5,309)			(5,587)			(26,819)			(23,884)
Net Adjusted Noninterest Expense	101,247			85,370				84,019			83,846			79,374			354,482			310,602
Average tangible assets	$	19,976,896		$	15,658,723			$	15,004,763		$	14,593,955		$	14,397,331		$	16,321,553		$	14,117,813
Net Adjusted Noninterest Expense to Average Tangible Assets	2.01		%	2.16		%		2.25		%	2.33		%	2.19		%	2.17		%	2.20		%
Net Revenue	$	203,258		$	157,286			$	151,385		$	140,697		$	132,872		$	652,626		$	515,399
Total Adjustments to Net Revenue	(84)			841				(39)			(196)			8,388			522			8,016
Impact of FTE adjustment	1,617			438				431			340			311			2,832			1,074
Adjusted Net Revenue on a FTE basis	$	204,791		$	158,565			$	151,777		$	140,841		$	141,571		$	655,980		$	524,489
Adjusted Efficiency Ratio	54.50		%	57.63		%		58.74		%	63.30		%	60.01		%	58.13		%	63.77		%
Net Interest Income	$	174,627		$	133,468			$	126,864		$	118,517		$	115,804		$	553,476		$	431,971
Impact of FTE adjustment	1,617			438				431			340			311			2,832			1,074
Net Interest Income including FTE adjustment	176,244			133,906				127,295			118,857			116,115			556,308			433,045
Total noninterest income	28,631			23,818				24,521			22,180			17,068			99,150			83,428
Total noninterest expense less provision for credit losses on unfunded commitments	129,734			101,837				91,580			$	90,447		85,325			413,598			342,300
Pre-Tax Pre-Provision Earnings	75,141			55,887				60,236			50,590			47,858			241,860			174,173
Total Adjustments to Noninterest Income	(84)			841				(39)			(196)			8,388			522			8,016
Total Adjustments to Noninterest Expense including other real estate owned expense and net gain (loss) on sale	18,113			10,462				2,430			1,292			364			32,297			7,814
Adjusted Pre-Tax Pre-Provision Earnings	$	93,170		$	67,190			$	62,627		$	51,686		$	56,610		$	274,679		$	190,003

GAAP TO NON-GAAP RECONCILIATION							(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	Quarterly Trends																Twelve Months Ended
(Amounts in thousands, except per share data)	4Q'25			3Q'25				2Q'25			1Q'25			4Q'24			4Q'25			4Q'24
Average Assets	$	21,203,391		$	16,486,017			$	15,801,194		$	15,395,642		$	15,204,041		$	17,235,459		$	14,933,758
Less average goodwill and intangible assets	(1,226,495)			(827,294)				(796,431)			(801,687)			(806,710)			(913,906)			(815,945)
Average Tangible Assets	$	19,976,896		$	15,658,723			$	15,004,763		$	14,593,955		$	14,397,331		$	16,321,553		$	14,117,813
Return on Average Assets (ROA)	0.64		%	0.88		%		1.08		%	0.83		%	0.89		%	0.84		%	0.81		%
Impact of other adjustments for Adjusted Net Income	0.25			0.21				0.05			0.02			0.17			0.14			0.08
Adjusted ROA	0.89			1.09				1.13			0.85			1.06			0.98			0.89
ROA	0.64			0.88				1.08			0.83			0.89			0.84			0.81
Impact of removing average intangible assets and related amortization	0.19			0.16				0.16			0.15			0.17			0.17			0.17
Return on Average Tangible Assets (ROTA)	0.83			1.04				1.24			0.98			1.06			1.01			0.98
Impact of other adjustments for Adjusted Net Income	0.27			0.22				0.05			0.02			0.18			0.15			0.08
Adjusted ROTA	1.10			1.26				1.29			1.00			1.24			1.16			1.06
Return on Average Equity (ROE)	4.43			6.17				7.60			5.76			6.16			5.86			5.62
Impact of other adjustments for Adjusted Net Income	1.75			1.47				0.32			0.12			1.16			1.00			0.54
Adjusted ROE	6.17		%	7.64		%		7.92		%	5.88		%	7.32		%	6.86		%	6.16		%
Average Shareholders' Equity	$	3,067,333		$	2,345,233			$	2,252,208		$	2,214,995		$	2,203,052		$	2,471,936		$	2,152,061
Less average goodwill and intangible assets	(1,226,495)			(827,294)				(796,431)			(801,687)			(806,710)			(913,906)			(815,945)
Average Tangible Equity	$	1,840,838		$	1,517,939			$	1,455,777		$	1,413,308		$	1,396,342		$	1,558,030		$	1,336,116
Return on Average Shareholders' Equity	4.43		%	6.17		%		7.60		%	5.76		%	6.16		%	5.86		%	5.62		%
Impact of removing average intangible assets and related amortization	4.62			4.53				5.22			4.41			4.74			4.72			4.77
Return on Average Tangible Equity (ROTE)	9.05			10.70				12.82			10.17			10.90			10.58			10.39
Impact of other adjustments for Adjusted Net Income	2.91			2.28				0.49			0.18			1.84			1.58			0.86
Adjusted ROTE	11.96		%	12.98		%		13.31		%	10.35		%	12.74		%	12.16		%	11.25		%
Loan interest income1	$	187,910		$	162,341			$	157,499		$	150,973		$	152,303		$	658,728		$	598,411
Accretion on acquired loans	(10,645)			(9,543)				(10,583)			(8,221)			(11,717)			(38,992)			(41,672)
Loan interest income excluding accretion on acquired loans1	$	177,265		$	152,798			$	146,916		$	142,752		$	140,586		$	619,736		$	556,739
Yield on loans1	6.02		%	5.96		%		5.98		%	5.90		%	5.93		%	5.97		%	5.93		%
Impact of accretion on acquired loans	(0.34)			(0.35)				(0.40)			(0.32)			(0.45)			(0.35)			(0.42)
Yield on loans excluding accretion on acquired loans1	5.68		%	5.61		%		5.58		%	5.58		%	5.48		%	5.62		%	5.51		%
Net Interest Income1	$	176,244		$	133,906			$	127,295		$	118,857		$	116,115		$	556,308		$	433,045
Accretion on acquired loans	(10,645)			(9,543)				(10,583)			(8,221)			(11,717)			(38,992)			(41,672)
Net interest income excluding accretion on acquired loans1	$	165,599		$	124,363			$	116,712		$	110,636		$	104,398		$	517,316		$	391,373
Net Interest Margin1	3.66		%	3.57		%		3.58		%	3.48		%	3.39		%	3.58		%	3.24		%
Impact of accretion on acquired loans	(0.22)			(0.25)				(0.29)			(0.24)			(0.34)			(0.26)			(0.31)
Net interest margin excluding accretion on acquired loans1	3.44		%	3.32		%		3.29		%	3.24		%	3.05		%	3.33		%	2.93		%
Securities interest income1	$	57,852		$	36,029			$	32,519		$	29,422		$	26,986		$	155,823		$	99,620
Tax equivalent adjustment on securities	(1,114)			(10)				(7)			(7)			(7)			(1,139)			(29)
Securities interest income excluding tax equivalent adjustment1	56,738			36,019				32,512			29,415			26,979			154,684			99,591
Loan interest income1	187,910			162,341				157,499			150,973			152,303			658,728			598,411
Tax equivalent adjustment on loans	(503)			(428)				(424)			(333)			(304)			(1,693)			(1,045)
Loan interest income excluding tax equivalent adjustment	$	187,407		$	161,913			$	157,075		$	150,640		$	151,999		$	657,035		$	597,366

GAAP TO NON-GAAP RECONCILIATION					(Unaudited)
SEACOAST BANKING CORPORATION OF FLORIDA AND SUBSIDIARIES
	Quarterly Trends											Twelve Months Ended
(Amounts in thousands, except per share data)	4Q'25		3Q'25			2Q'25		1Q'25		4Q'24		4Q'25		4Q'24
Net Interest Income1	$	176,243	$	133,906		$	127,295	$	118,857	$	116,115	$	556,307	$	433,045
Tax equivalent adjustment on securities	(1,114)		(10)			(7)		(7)		(7)		(1,139)		(29)
Tax equivalent adjustment on loans	(503)		(428)			(424)		(333)		(304)		(1,693)		(1,045)
Net interest income excluding tax equivalent adjustments	$	174,626	$	133,468		$	126,864	$	118,517	$	115,804	$	553,475	$	431,971
1On a fully taxable equivalent basis. All yields and rates have been computed using amortized cost.

EX-99.2

EARNINGS PRESENTATION FOURTH QUARTER 2025 2025

2FOURTH 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 or impacts to reported earnings that may be realized from cost controls, tax law changes, conversion of preferred shares into common shares, new initiatives and for integration of banks (including Villages Bancorporation, Inc.) 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 continued 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, 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, and limit deposit, customer and employee attrition; 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, civil unrest, 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; legislative, regulatory or supervisory actions related to so-called “de-banking,” including any new prohibitions, requirements or enforcement priorities that could affect customer relationships, compliance obligations, or operational practices; government actions or inactions, including 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. 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.

3FOURTH 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, Highlands, and 10 other counties ▪ #1 overall market share in Port St. Lucie MSA ▪ #1 overall market share in Wildwood- The Villages MSA • Strong capital and liquidity supporting further organic growth and opportunistic acquisitions ▪ 14.4%1 Tier 1 capital ratio ▪ 78% loan-to-deposit ratio Valuable Florida Franchise with Strong Capital and Liquidity 1Estimated

4FOURTH QUARTER 2025 EARNINGS PRESENTATION • Net income of $34.3 million, or $0.31 per diluted share, and adjusted net income1 of $47.7 million, or $0.44 per diluted share. Each includes the $23.4 million in day-one credit provisions recorded in the Villages Bancorporation, Inc. (“VBI”) acquisition. • Adjusted net income1 increased $2.6 million, or 6%, from the prior quarter and $7.2 million, or 18%, from the prior year quarter. • On an adjusted basis, pre-tax pre-provision earnings1 of $93.2 million increased 39% from the prior quarter and 65% from the prior year quarter. • Well-controlled expenses, with an improved efficiency ratio. • Net interest income of $174.6 million, an increase of $41.2 million, or 31%, from the prior quarter and $58.8 million, or 51%, from the prior year quarter. Fourth Quarter 2025 Highlights • Net interest margin, excluding accretion on acquired loans, expanded 12 basis points from the prior quarter to 3.44%. • 15% annualized organic loan growth. • Cost of deposits declined 14 basis points to 1.67% • Strong capital position, with a Tier 1 capital ratio of 14.4%2 and a tangible equity to tangible assets ratio of 9.3%. • Expanded branch footprint with new locations in Bradenton, FL and our first branch in the greater Atlanta market. • Completed the acquisition of VBI, adding 19 branches and approximately $4.4 billion in assets, $1.2 billion in loans, and $3.5 billion in deposits. 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. 3Estimated

5FOURTH QUARTER 2025 EARNINGS PRESENTATION Net Interest Income and Net Interest Margin ($ in m ill io ns ) $116.1 $118.9 $127.3 $133.9 $176.2 3.39% 3.48% 3.58% 3.57% 3.66% 3.05% 3.24% 3.29% 3.32% 3.44% Net Interest Income Net Interest Margin NIM, excluding accretion on acquired loans 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 • Net interest income1 totaled $176.2 million, an increase of $42.3 million, or 32%, from the prior quarter. • Net interest margin increased nine basis points to 3.66% and, excluding the effect of accretion on acquired loans, net interest margin expanded 12 basis points to 3.44%. • Securities yields increased 21 basis points to 4.13%. • Loan yields increased six basis points from the prior quarter to 6.02%. Excluding the effect of accretion on acquired loans, yields increased seven basis points to 5.68%. • The cost of deposits declined 14 basis points to 1.67% and cost of funds decreased 16 basis points to 1.80%. 1Calculated on a fully taxable equivalent basis using amortized cost. 1

6FOURTH QUARTER 2025 EARNINGS PRESENTATION Noninterest income increased $4.8 million, or 20%, from the prior quarter to $28.6 million. Changes included: Service charges on deposits totaled $6.5 million, an increase of $0.3 million, or 4%, from the prior quarter, reflecting the closing of the VBI acquisition and continued onboarding of new relationships. Wealth management income totaled $5.5 million, an increase of $1.0 million, or 21%, from the prior quarter. Assets under management have grown 37% year over year. The wealth management division has continued to deliver significant growth, adding $549 million in new organic assets under management in 2025. Mortgage banking income totaled $3.1 million, an increase from $0.5 million in the prior quarter, reflecting the addition of mortgage banking activities from the VBI acquisition. BOLI income totaled $2.7 million, a decrease of $1.2 million, or 31%, from the prior quarter. The third quarter of 2025 included death benefit payouts of $1.3 million. Other income totaled $7.1 million, an increase of $1.1 million, or 18%, from the prior quarter. The increase from the prior quarter reflects higher gains on SBIC investments. Noninterest Income $17.1 $22.2 $24.5 $23.8 $28.6 Noninterest income 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 ($ in millions)

7FOURTH QUARTER 2025 EARNINGS PRESENTATION Assets Under Management End-of-Period ($ in millions) $1,239 $1,387 $1,711 $2,053 $2,808 2021 2022 2023 2024 2025 Record Growth in Wealth Management Assets under management totaled $2.8 billion at December 31, 2025, increasing 37% year over year, including $189 million acquired VBI assets. The wealth management division has continued its growth trajectory, adding $549 million in new organic assets under management in 2025. This exceptional performance underscores the team’s consistent strategic execution and sustained growth. Since 2021, assets under management have increased at a compound annual growth rate (“CAGR”) of 23%. 23% CAG R

8FOURTH QUARTER 2025 EARNINGS PRESENTATION Noninterest Expense $85.6 $90.6 $91.7 $102.0 $130.5 60.2% 64.0% 60.3% 64.4% 63.4% Noninterest expense Efficiency Ratio 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 Adjusted Noninterest Expense $85.3 $89.5 $89.3 $91.2 $112.4 60.0% 63.3% 58.7% 57.6% 54.5% Adjusted noninterest expense Adjusted Efficiency Ratio 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 Noninterest Expense • Salaries and wages totaled $53.9 million, an increase of $7.6 million, or 16%, from the prior quarter. The increase from the prior quarter reflects the continued expansion of the footprint, including the acquisition of VBI, and higher performance driven incentive compensation. • Employee benefits totaled $8.5 million, an increase of $1.1 million, or 15%, compared to the prior quarter. • Outsourced data processing costs totaled $11.3 million, an increase of $1.9 million, or 21%, compared to the prior quarter. The increase reflects higher transaction volume and growth in customers, including from the acquisition of VBI. • Occupancy costs totaled $9.3 million, an increase of $1.7 million, or 22%, compared to the prior quarter, due to growth in the branch network. • Legal and professional fees totaled $2.1 million, an increase of $0.4 million, or 26%, compared to the prior quarter. The increase is largely associated with the timing of various projects. • Amortization of intangibles increased $4.4 million with the addition of $110.5 million in core deposit intangible assets from the VBI acquisition. These assets will be amortized using an accelerated amortization method over approximately 10 years. • Provision for credit losses on unfunded commitments increased $0.7 million as a result of the acquisition of VBI. • Other expense totaled $7.2 million, an increase of $1.3 million, or 22%, compared to the prior quarter. 1Calculated Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. 2In the fourth quarter of 2025, the Company updated its presentation of efficiency ratio to no longer exclude amortization expense on intangible assets. Prior periods have been updated to align with the current presentation. ($ in millions) 1,2 Includes merger and integration costs of $18.1 million in 4Q’25 and $10.8 million in 3Q’25 1 12

9FOURTH QUARTER 2025 EARNINGS PRESENTATION $10,300 $10,443 $10,609 $10,964 $12,628 5.93% 5.90% 5.98% 5.96% 6.02% 5.48% 5.58% 5.58% 5.61% 5.68% Yield Excluding Accretion on Acquired Loans Reported Yield Total Loans 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 $634.1 $904.1 $861.2 $1,134.1 $947.9 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 Commercial Loan Pipeline ($ in millions) Total Loans End-of-Period ($ in millions) Consistent Strong Loan Growth Supported by a Strong Pipeline Loans outstanding increased by $1.7 billion from the prior quarter, including the addition of $1.2 billion from the VBI acquisition. Excluding the impact of the VBI acquisition, organic loan growth in the fourth quarter of 2025 was 15% on an annualized basis. $96 million of residential mortgage production in The Villages community footprint was retained in the portfolio. The late stage commercial pipeline totaled $948 million at December 31, 2025.

10FOURTH QUARTER 2025 EARNINGS PRESENTATION Loan Activity 4Q’25 Commercial real estate - non owner occupied Residential real estate Commercial and financial Commercial real estate - owner occupied Construction and land development Consumer $10,964 $1,202 $462 Total Loans at 9/30/2025 Acquired VBI Loans Net Organic Loan Growth Total Loans at 12/31/2025 15% annualized organic loan growth $12,628 $10,964 34% 25% 16% 17% 6% 34% 25% 18% 16% 6% ($ in millions) 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 $942 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 216%, respectively, of total consolidated risk-based capital1. 1Estimated.

11FOURTH QUARTER 2025 EARNINGS PRESENTATION Allowance for Credit Losses and Purchase Discount ($ in millions) Loans Outstanding Allowance for Credit Losses % of Loans Outstanding Purchase Discount % of Loans Outstanding Construction and Land Development $ 724 $ 10 1.38 % $ 4 0.55 % Owner Occupied Commercial Real Estate 2,044 17 0.83 20 0.98 Commercial Real Estate 4,255 56 1.32 61 1.43 Residential Real Estate 3,099 51 1.65 44 1.42 Commercial & Financial 2,321 38 1.64 20 0.86 Consumer 185 7 3.76 1 0.54 Total $ 12,628 $ 179 1.42 % $ 150 1.19 % • The total allowance for credit losses of $179 million as of December 31, 2025 represents management’s estimate of lifetime expected credit losses and increased 21% from September 30, 2025 primarily due to the VBI acquisition. • The $150 million remaining unrecognized discount on acquired loans includes $59 million added on October 1, 2025 in connection with the VBI acquisition. • Additionally, a $7 million reserve for potential credit losses on lending-related commitments is reflected within Other liabilities, and includes $0.7 million associated with the VBI acquisition.

12FOURTH QUARTER 2025 EARNINGS PRESENTATION Net Charge-Offs 0.24% 0.27% 0.09% 0.12% 0.03% NCO/Average Loans 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 Allowance for Credit Losses 1.34% 1.34% 1.34% 1.34% 1.42% ACL/Total Loans 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 Continued Strong Asset Quality Trends Nonperforming Loans 0.90% 0.68% 0.61% 0.55% 0.57% 0.15% 0.16% 0.13% 0.19% 0.26% NPL/Total Loans Accruing Past Due / Total Loans 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 Criticized and Classified Loans 2.17% 2.41% 2.39% 2.50% 2.82% Criticized and Classified Loans / Total Loans 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 1Ratios increased in the fourth quarter of 2025 as a result of the VBI acquisition. 1 1 1

13FOURTH QUARTER 2025 EARNINGS PRESENTATION Well-Managed Deposit Costs Deposits increased $3.2 billion during the fourth quarter, including the addition of $3.5 billion from the VBI acquisition, partially offset by a decline of $68.7 million in brokered deposits. Outflows were largely the result of a targeted strategy to lower rates on certain categories of accounts. 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 1.93% 1.93% 1.92% 1.85% 1.78% 1.78% 1.83% 1.84% 1.77% 1.72% 1.66% 1.64% Jan'25 Feb'25 Mar'25 Apr'25 May'25 Jun'25 Jul'25 Aug'25 Sep'25 Oct'25 Nov'25 Dec'25 $12,498 Deposits End-of-Period ($ in millions) $12,242 $12,575 $12,498 $13,090 $16,256 4.50% 4.50% 4.50% 4.25% 3.75% 2.08% 1.93% 1.80% 1.81% 1.67% Total Deposits Fed Funds Upper Limit Cost of Deposits 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25

14FOURTH QUARTER 2025 EARNINGS PRESENTATION Deposits End-of-Period ($ in millions) $12,242 $12,575 $12,498 $13,090 $16,256 Transaction Accounts Savings Money Market Brokered Time Deposits 4Q'24 1Q'25 2Q'25 3Q'25 4Q'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 50% of total deposits, with an average balance per account of $26 thousand. Business deposits represent 50% of total deposits, with an average balance per account of $116 thousand. The average customer tenure is 10 years. 48%48%47%50%50% 6% 5% 4%4%4% 33% 33% 33% 34% 32% 2% 2% 4% 1% 1% 11% 11% 11% 12% 13%

15FOURTH QUARTER 2025 EARNINGS PRESENTATION $16.12 $16.71 $17.19 $17.61 $15.14 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 9.6% 9.6% 9.8% 9.8% 9.3% 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 16.2% 16.1% 16.1% 15.9% 15.8%14.8% 14.7% 14.6% 14.5% 14.4% Total Risk Based Capital Tier 1 Ratio 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 10.9% 10.2% 12.8% 10.7% 9.1% 12.7% 10.3% 13.3% 13.0% 12.0% GAAP - ROTE Adjusted - ROTE 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25 1Calculated treating all preferred shares as common. Each 1/1000th preferred share is convertible to one common share on the date a holder of preferred stock transfers such share of preferred stock to a non-affiliate of the holder. 2Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. 3FDICIA defines well capitalized as 10.0% for total risk-based capital and 8.0% for Tier 1 ratio at a total Bank level. 4Current quarter ratios are estimated. Tangible Book Value Per Share Tangible Equity / Tangible Assets Total Risk-Based and Tier 1 Capital3Return on Tangible Equity 2 10.0%4 8.0%4 Robust Capital Position Supporting a Fortress Balance Sheet $16.721

16FOURTH QUARTER 2025 EARNINGS PRESENTATION Investment Securities Performance and Composition Net unrealized losses in the AFS portfolio decreased during the fourth quarter by $18.5 million, driven by changes in long-term interest rates. $2.5 billion in securities were added through the VBI acquisition. Of the securities acquired, approximately $1.5 billion were sold, and the proceeds were reinvested into new positions with an average yield of 5.3%. Portfolio yield increased 21 basis points to 4.13% from 3.92% in the prior quarter, reflecting the higher yield securities purchased and acquired in the VBI acquisition. Net Unrealized Loss in Securities ($ in millions) 12/31/2025 9/30/2025 △ from 3Q'25 Total Available-for-Sale $ (101,727) $ (120,242) $ 18,515 Total Held-to-Maturity (96,618) (100,220) 3,602 Total Securities $ (198,345) $ (220,462) $ 22,117 ($ in m ill io ns ) $2,862 $3,253 $3,479 $3,811 $5,751 $635 $625 $613 $599 $586 $2,227 $2,628 $2,866 $3,212 $5,165 3.77% 3.88% 3.87% 3.92% 4.13% HTM Securities AFS Securities Yield 4Q'24 1Q'25 2Q'25 3Q'25 4Q'25

17FOURTH QUARTER 2025 EARNINGS PRESENTATION Securities Repositioning Leverages Strong Capital Position Strong capital levels with lower than projected dilution from the VBI acquisition provided the opportunity to further optimize the securities portfolio and accelerate our path to stronger earnings. In January 2026, the Company repositioned a portion of its available for sale portfolio. Securities with an average book yield of 1.9% were sold, resulting in a pre-tax loss of approximately $39.5 million impacting first quarter 2026 results. The proceeds of approximately $277 million were reinvested in primarily agency mortgage-backed securities with an average taxable equivalent book yield of 4.8%. The transaction is expected to be immediately accretive to earnings, net interest margin and return on assets, while having a neutral effect on total equity and tangible book value. ($ in m ill io ns ) $2,078 $2,170 Pro Forma Capital 12/31/25 (as projected in May 2025 with the VBI acquisition announcement) Total Capital 12/31/25* *Total Risk Based Capital is estimated until Call report/FR Y-9C is filed. High er th an p roje cted cap ital follo wing the VBI acq uisit ion 14.7% 15.8%

18FOURTH QUARTER 2025 EARNINGS PRESENTATION 2026 Outlook ($ in millions except per share data) 2025 Actual 2026 Outlook Adjusted Revenue (fully taxable equivalent basis) $ 656 29% - 31% Growth Adjusted Efficiency Ratio 58 % 53% - 55% Adjusted Earnings Per Share-Diluted $ 1.84 $2.48 - $2.52 Organic Loan Growth 9.4 % High Single Digit Growth Organic Deposit Growth 1.2 % Low to Mid Single Digit Growth 4Q’25 Actual 4Q’26 Outlook Adjusted ROA 0.89 % 1.30% Adjusted ROTE 12.0 % 16.0% Adjusted measures are non-GAAP measures, see “Explanation of Certain Unaudited Non-GAAP Financial Measures" for more information and a reconciliation to GAAP. Adjusted Efficiency Ratio includes amortization expense on intangible assets. Adjusted Earnings Per Share calculated treating all preferred shares as common. Assumptions: • 25 bps rate cuts in June and September 2026 and the current forward curve • Stable economic environment • Includes the benefit of the securities repositioning executed in January 2026

19FOURTH QUARTER 2025 EARNINGS PRESENTATION Appendix

20FOURTH QUARTER 2025 EARNINGS PRESENTATION Selected Acquisition-Related Impacts to Earnings Quarterly Trend Annual Trend ($ in millions, except per share amounts) 4Q’25 3Q’25 2Q’25 1Q’25 4Q’24 2025 2024 2023 2022 2021 Accretion on acquired loans $ 10.6 $ 9.5 $ 10.6 $ 8.2 $ 11.7 $ 39.0 $ 41.7 $ 56.7 $ 18.4 $ 12.8 Amortization of intangibles 10.4 6.0 5.1 5.3 5.6 26.8 23.9 28.7 9.1 5.0 Accretion on acquired loans, net of amortization of intangibles 0.2 3.5 5.5 2.9 6.1 12.2 17.8 28.0 9.3 7.8 Tax effect 0.1 0.9 1.4 0.7 1.5 3.1 4.5 7.1 2.4 2.0 Accretion on acquired loans, net of amortization of intangibles, after taxes $ 0.1 $ 2.6 $ 4.1 $ 2.2 $ 4.6 $ 9.1 $ 13.3 $ 20.9 $ 6.9 $ 5.8 Net per share impact $ — $ 0.03 $ 0.05 $ 0.03 $ 0.05 $ 0.10 $ 0.16 $ 0.25 $ 0.11 $ 0.10 The impact of acquisition related fair value marks on loans and deposits are generally offsetting and have limited effect on bottom line net income. Accretion on acquired loans of $10.6 million, net of amortization of intangibles of $10.4 million in Q4 2025 had no impact to the diluted earnings per share. The $4.4 million increase in amortization expense is a result of the additional intangible assets from the VBI acquisition. For the full year 2025, accretion on acquired loans of $39.0 million, net of amortization of intangibles of $26.8 million contributed only ten cents to diluted earnings per share.

21FOURTH QUARTER 2025 EARNINGS PRESENTATION Allocation of Purchase Consideration (Preliminary) October 2025 Acquisition of Villages Bancorporation, Inc. October 01, 2025 Assets: Cash and cash equivalents $ 166.8 Investment securities 2,540.4 Loans1 1,202.4 CDI 110.5 Goodwill 280.1 Other assets 145.7 Total Assets $ 4,445.9 Liabilities: Deposits $ 3,450.9 Other liabilities 165.9 Total Liabilities $ 3,616.8 Loans Acquired (Preliminary) Book Balance Fair Value Construction and land development $ 102.1 $ 98.8 Commercial real estate - owner-occupied 93.3 90.1 Commercial real estate - non owner-occupied 361.7 335.8 Residential real estate 365.9 349.8 Commercial and financial 335.8 322.6 Consumer 5.3 5.2 Total Acquired Loans $ 1,264.1 $ 1,202.4 The acquisition resulted in the addition of $25.7 million in allowance for credit losses, including $3.0 million for PCD loans, and $22.7 million for non-PCD loans recorded through the provision for credit losses at the date of acquisition. ($ in millions) 1Net of $3.0 million allowance for PCD loans.

22FOURTH QUARTER 2025 EARNINGS PRESENTATION Recognition 3rd consecutive year 5th consecutive year 1st time winner 6th consecutive year 2nd consecutive year 3rd consecutive year 1st time winner 1st time winner

23FOURTH QUARTER 2025 EARNINGS PRESENTATION About Non-GAAP Financial Measures: 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. Presentation of Non-GAAP Financial Measures: Certain monetary amounts, percentages and other figures included in this report have been subject to rounding adjustments. Accordingly, figures shown as totals in certain tables may not be the arithmetic aggregation of the figures that precede them and the total of the four quarters may not be the arithmetic aggregation of the year-to-date value. Explanation of Certain Unaudited Non-GAAP Financial Measures

24FOURTH QUARTER 2025 EARNINGS PRESENTATION Quarterly Trend Twelve Months Ended (Amounts in millions except per share data) 4Q'25 3Q'25 2Q'25 1Q'25 4Q'24 4Q'25 4Q'24 Net Income $ 34.3 $ 36.5 $ 42.7 $ 31.5 $ 34.1 $ 144.9 $ 121.0 Total noninterest income 28.6 23.8 24.5 22.2 17.1 99.2 83.4 Securities (gains) losses, net (0.1) 0.8 — (0.2) 8.4 0.5 8.0 Total Adjusted Noninterest Income 28.5 24.7 24.5 22.0 25.5 99.7 91.4 Total noninterest expense 130.5 102.0 91.7 90.6 85.6 414.9 343.3 Merger and integration costs (18.1) (10.8) (2.4) (1.1) — (32.4) — Business continuity expenses - hurricane events — — — — (0.3) — (0.3) Branch reductions and other expense initiatives — — — — — — (7.1) Total Adjustments to Noninterest Expense (18.1) (10.8) (2.4) (1.1) (0.3) (32.4) (7.4) Adjusted Noninterest Expense 112.4 91.2 89.3 89.5 85.3 382.4 335.9 Income Taxes 9.2 10.5 12.6 9.4 9.5 41.6 34.9 Tax effect of adjustments 4.6 3.0 0.6 0.2 2.2 8.3 3.9 Adjusted Income Taxes 13.8 13.4 13.2 9.6 11.7 50.0 38.8 Adjusted Net Income 47.7 45.2 44.5 32.1 40.6 169.5 132.5 Earnings per common share-diluted, as reported 0.31 0.42 0.50 0.37 0.40 1.57 1.42 Adjusted Earnings per Common Share-Diluted 0.44 0.52 0.52 0.38 0.48 1.84 1.56 Adjusted Earnings per Common Share-Diluted, Treating all Preferred Shares as Common $ 0.44 $ 0.52 $ 0.52 $ 0.38 $ 0.48 $ 1.84 $ 1.56 Average common shares-diluted 97.8 87.4 85.5 85.4 85.3 89.1 85.0 Average preferred shares, treating all preferred shares as common 11.3 — — — — 2.8 — Average common shares-diluted, treating all preferred shares as common 109.0 87.4 85.5 85.4 85.3 91.9 85.0 GAAP to Non-GAAP Reconciliation

25FOURTH QUARTER 2025 EARNINGS PRESENTATION GAAP to Non-GAAP Reconciliation Quarterly Trend Twelve Months Ended (Amounts in millions except per share data) 4Q'25 3Q'25 2Q'25 1Q'25 4Q'24 4Q'25 4Q'24 Adjusted Noninterest Expense $ 112.4 $ 91.2 $ 89.3 $ 89.5 $ 85.3 $ 382.4 $ 335.9 Provision for credit losses on unfunded commitments (0.8) (0.2) (0.2) (0.2) (0.3) (1.3) (1.0) Other real estate owned expense and net gain (loss) on sale — 0.3 — (0.2) (0.1) 0.1 (0.4) Amortization of intangibles (10.4) (6.0) (5.1) (5.3) (5.6) (26.8) (23.9) Net Adjusted Noninterest Expense 101.2 85.4 84.0 83.8 79.4 354.5 310.6 Average tangible assets $ 19,976.9 $ 15,658.7 $ 15,004.8 $ 14,594.0 $ 14,397.3 $ 16,321.6 $ 14,117.8 Net Adjusted Noninterest Expense to Average Tangible Assets 2.01 % 2.16 % 2.25 % 2.33 % 2.19 % 2.17 % 2.20 % Net Revenue $ 203.3 $ 157.3 $ 151.4 $ 140.7 $ 132.9 $ 652.6 $ 515.4 Total Adjustments to Net Revenue (0.1) 0.8 — (0.2) 8.4 0.5 8.0 Impact of FTE adjustment 1.6 0.4 0.4 0.3 0.3 2.8 1.1 Adjusted Net Revenue on a FTE basis $ 204.8 $ 158.6 $ 151.8 $ 140.8 $ 141.6 $ 656.0 $ 524.5 Adjusted Efficiency Ratio 54.50 % 57.63 % 58.74 % 63.30 % 60.01 % 58.13 % 63.77 % Net Interest Income $ 174.6 $ 133.5 $ 126.9 $ 118.5 $ 115.8 $ 553.5 $ 432.0 Impact of FTE adjustment 1.6 0.4 0.4 0.3 0.3 2.8 1.1 Net Interest Income Including FTE adjustment 176.2 133.9 127.3 118.9 116.1 556.3 433.0 Total noninterest income 28.6 23.8 24.5 22.2 17.1 99.2 83.4 Total noninterest expense less provision for credit losses on unfunded commitments 129.7 101.8 91.6 90.4 85.3 413.6 342.3 Pre-Tax Pre-Provision Earnings 75.1 55.9 60.2 50.6 47.9 241.9 174.2 Total Adjustments to Noninterest Income (0.1) 0.8 — (0.2) 8.4 0.5 8.0 Total Adjustments to Noninterest Expense including other real estate owned expense and net gain (loss) on sale 18.1 10.5 2.4 1.3 0.4 32.3 7.8 Adjusted Pre-Tax Pre-Provision Earnings $ 93.2 $ 67.2 $ 62.6 $ 51.7 $ 56.6 $ 274.7 $ 190.0

26FOURTH QUARTER 2025 EARNINGS PRESENTATION Quarterly Trend Twelve Months Ended (Amounts in millions except per share data) 4Q'25 3Q'25 2Q'25 1Q'25 4Q'24 4Q'25 4Q'24 Average Assets $ 21,203.4 $ 16,486.0 $ 15,801.2 $ 15,395.6 $ 15,204.0 $ 17,235.5 $ 14,933.8 Less average goodwill and intangible assets (1,226.5) (827.3) (796.4) (801.7) (806.7) (913.9) (815.9) Average Tangible Assets $ 19,976.9 $ 15,658.7 $ 15,004.8 $ 14,594.0 $ 14,397.3 $ 16,321.6 $ 14,117.8 Return on Average Assets (ROA) 0.64 % 0.88 % 1.08 % 0.83 % 0.89 % 0.84 % 0.81 % Impact of other adjustments for Adjusted Net Income 0.25 0.21 0.05 0.02 0.17 0.14 0.08 Adjusted ROA 0.89 1.09 1.13 0.85 1.06 0.98 0.89 ROA 0.64 0.88 1.08 0.83 0.89 0.84 0.81 Impact of removing average intangible assets and related amortization 0.19 0.16 0.16 0.15 0.17 0.17 0.17 Return on Average Tangible Assets (ROTA) 0.83 1.04 1.24 0.98 1.06 1.01 0.98 Impact of other adjustments for Adjusted Net Income 0.27 0.22 0.05 0.02 0.18 0.15 0.08 Adjusted ROTA 1.10 1.26 1.29 1.00 1.24 1.16 1.06 Return on Average Equity (ROE) 4.43 6.17 7.60 5.76 6.16 5.86 5.62 Impact of other adjustments for Adjusted Net Income 1.75 1.47 0.32 0.12 1.16 1.00 0.54 Adjusted ROE 6.17 % 7.64 % 7.92 % 5.88 % 7.32 % 6.86 % 6.16 % Average Shareholders' Equity $ 3,067.3 $ 2,345.2 $ 2,252.2 $ 2,215.0 $ 2,203.1 $ 2,471.9 $ 2,152.1 Less average goodwill and intangible assets (1,226.5) (827.3) (796.4) (801.7) (806.7) (913.9) (815.9) Average Tangible Equity $ 1,840.8 $ 1,517.9 $ 1,455.8 $ 1,413.3 $ 1,396.3 $ 1,558.0 $ 1,336.1 Return on Average Shareholders' Equity 4.43 % 6.17 % 7.60 % 5.76 % 6.16 % 5.86 % 5.62 % Impact of removing average intangible assets and related amortization 4.62 4.53 5.22 4.41 4.74 4.72 4.77 Return on Average Tangible Equity (ROTE) 9.05 10.70 12.82 10.17 10.90 10.58 10.39 Impact of other adjustments for Adjusted Net Income 2.91 2.28 0.49 0.18 1.84 1.58 0.86 Adjusted ROTE 11.96 % 12.98 % 13.31 % 10.35 % 12.74 % 12.16 % 11.25 % GAAP to Non-GAAP Reconciliation

27FOURTH QUARTER 2025 EARNINGS PRESENTATION Quarterly Trend Twelve Months Ended (Amounts in millions except per share data) 4Q'25 3Q'25 2Q'25 1Q'25 4Q'24 4Q'25 4Q'24 Loan Interest Income1 $ 187.9 $ 162.3 $ 157.5 $ 151.0 $ 152.3 $ 658.7 $ 598.4 Accretion on acquired loans (10.6) (9.5) (10.6) (8.2) (11.7) (39.0) (41.7) Loan interest income excluding accretion on acquired loans1 $ 177.3 $ 152.8 $ 146.9 $ 142.8 $ 140.6 $ 619.7 $ 556.7 Yield on Loans1 6.02 % 5.96 % 5.98 % 5.90 % 5.93 % 5.97 % 5.93 % Impact of accretion on acquired loans (0.34) (0.35) (0.40) (0.32) (0.45) (0.35) (0.42) Yield on loans excluding accretion on acquired loans1 5.68 % 5.61 % 5.58 % 5.58 % 5.48 % 5.62 % 5.51 % Net Interest income1 $ 176.2 $ 133.9 $ 127.3 $ 118.9 $ 116.1 $ 556.3 $ 433.0 Accretion on acquired loans (10.6) (9.5) (10.6) (8.2) (11.7) (39.0) (41.7) Net interest income excluding accretion on acquired loans1 $ 165.6 $ 124.4 $ 116.7 $ 110.6 $ 104.4 $ 517.3 $ 391.4 Net Interest Margin1 3.66 % 3.57 % 3.58 % 3.48 % 3.39 % 3.58 % 3.24 % Impact of accretion on acquired loans (0.22) (0.25) (0.29) (0.24) (0.34) (0.26) (0.31) Net interest margin excluding accretion on acquired loans1 3.44 % 3.32 % 3.29 % 3.24 % 3.05 % 3.33 % 2.93 % Securities Interest Income1 $ 57.9 $ 36.0 $ 32.5 $ 29.4 $ 27.0 $ 155.8 $ 99.6 Tax equivalent adjustment on securities (1.1) — — — — (1.1) — Securities interest income excluding tax equivalent adjustment1 56.7 36.0 32.5 29.4 27.0 154.7 99.6 Loan Interest Income1 187.9 162.3 157.5 151.0 152.3 658.7 598.4 Tax equivalent adjustment on loans (0.5) (0.4) (0.4) (0.3) (0.3) (1.7) (1.0) Loan interest income excluding tax equivalent adjustment 187.4 161.9 157.1 150.6 152.0 657.0 597.4 Net Interest Income1 176.2 133.9 127.3 118.9 116.1 556.3 433.0 Tax equivalent adjustment on securities (1.1) — — — — (1.1) — Tax equivalent adjustment on loans (0.5) (0.4) (0.4) (0.3) (0.3) (1.7) (1.0) Net interest income excluding tax equivalent adjustment $ 174.6 $ 133.5 $ 126.9 $ 118.5 $ 115.8 $ 553.5 $ 432.0 1On 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	Jan. 23, 2026
Cover [Abstract]
Document Type	8-K
Document Period End Date	Jan. 23, 2026
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