Regulatory Capital

12 Months Ended

Dec. 31, 2024

Banking And Thrift Disclosure [Abstract]

Regulatory Capital

Note 13 - Regulatory Capital

Required Regulatory Capital

The Company is subject to various regulatory capital requirements administered by the Federal banking agencies. Failure to meet the minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by the regulators, which could have a direct material impact on the financial statements. These requirements involve quantitative measures of assets, liabilities and certain off-balance sheet items calculated pursuant to regulatory guidance. The Company's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios of total, Tier 1 capital and common equity Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets, all as defined in the regulations.

At December 31, 2024 and 2023, the Company and Seacoast Bank, its wholly-owned banking subsidiary, were both considered “well-capitalized” based on the applicable U.S. regulatory capital ratio requirements as reflected in the table below:

					Minimum to meet  “Well Capitalized” Requirements					Minimum for Capital Adequacy Purpose1
(Dollars in thousands)	Amount		Ratio		Amount			Ratio		Amount			Ratio
Seacoast Banking Corporation of Florida
(Consolidated)
At December 31, 2024:
Total Risk-Based Capital Ratio	$	1,785,247	16.18	%	N/A			N/A		$	882,582	≥	8.00	%
Tier 1 Capital Ratio	1,633,819		14.81		N/A			N/A		661,937		≥	6.00
Common Equity Tier 1 Capital Ratio	1,561,325		14.15		N/A			N/A		496,453		≥	4.50
Leverage Ratio	1,633,819		11.19		N/A			N/A		584,274		≥	4.00
At December 31, 2023:
Total Risk-Based Capital Ratio	$	1,713,797	15.92	%	N/A			N/A		$	861,355	≥	8.00	%
Tier 1 Capital Ratio	1,565,710		14.54		N/A			N/A		646,017		≥	6.00
Common Equity Tier 1 Capital Ratio	1,493,499		13.87		N/A			N/A		484,512		≥	4.50
Leverage Ratio	1,565,710		11.00		N/A			N/A		569,317		≥	4.00
Seacoast National Bank
(A Wholly Owned Bank Subsidiary)
At December 31, 2024:
Total Risk-Based Capital Ratio	$	1,685,451	15.30	%	$	1,101,383	≥	10.00	%	$	881,106	≥	8.00	%
Tier 1 Capital Ratio	1,555,986		14.13		881,106		≥	8.00		660,830		≥	6.00
Common Equity Tier 1 Capital Ratio	1,555,980		14.13		715,899		≥	6.50		495,622		≥	4.50
Leverage Ratio	1,555,986		10.66		729,699		≥	5.00		583,760		≥	4.00
At December 31, 2023:
Total Risk-Based Capital Ratio	$	1,593,431	14.82	%	$	1,075,494	≥	10.00	%	$	860,395	≥	8.00	%
Tier 1 Capital Ratio	1,466,878		13.64		860,395		≥	8.00		645,296		≥	6.00
Common Equity Tier 1 Capital Ratio	1,466,874		13.64		699,071		≥	6.50		483,972		≥	4.50
Leverage Ratio	1,466,878		10.32		711,039		≥	5.00		568,831		≥	4.00
1Excludes the Basel III capital conservation buffer of 2.5%, which if not exceeded may constrain dividends, equity repurchases and compensation.
N/A - not applicable.