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Business Combinations (Tables)
 12 Months Ended
Dec. 31, 2025
Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]  
Schedule of Business Acquisitions
(In thousands, except per share data)October 1, 2025
Number of VBI shares receiving stock550
Per share exchange ratio for VBI shares receiving stock38.5000
Number of shares of SBCF common stock issued9,923
Number of shares of SBCF preferred stock issued1
11
Multiplied by SBCF price per share at October 1, 2025$30.50 
Total Value of SBCF common and preferred stock issued$645,785 
Number of VBI shares receiving cash183
Per share exchange ratio for VBI shares receiving cash$1,000.00 
Cash consideration paid to VBI shareholders, including cash paid for fractional shares$183,360 
Total purchase price$829,145 
1Preferred stock is 1/1,000th share for every share of common stock.
(In thousands, except per share data)July 11, 2025
Number of Heartland shares receiving stock378
Per share exchange ratio for Heartland shares receiving stock4.9263
Number of shares of SBCF common stock issued 1,862
Multiplied by SBCF price per share at July 11, 2025$29.29 
Value of SBCF common stock issued$54,547 
Number of Heartland shares receiving cash378
Per share cash consideration for Heartland shares receiving cash$147.10 
Cash consideration paid to Heartland shareholders, including cash paid for fractional shares$55,623 
Cash paid to Heartland option holders1,054
Total purchase price$111,224 
(In thousands, except per share data)January 31, 2023
Number of Professional common shares outstanding14,358 
Per share exchange ratio0.8909
Number of shares of SBCF common stock issued12,792 
Multiplied by common stock price per share at January 31, 2023
$32.11 
Value of SBCF common stock issued$410,738 
Cash paid for fractional shares5 
Fair value of Professional options converted10,304 
Total purchase price $421,047 
Initially MeasuredMeasurement As Adjusted
(In thousands)January 31, 2023Period AdjustmentsJanuary 31, 2023
Assets:
Cash and cash equivalents$141,680 $— $141,680 
Investment securities167,059 — 167,059 
Loans1,991,713 (5,544)1,986,169 
Bank premises and equipment2,478 — 2,478 
CDI48,885 — 48,885 
Goodwill248,091 3,583 251,674 
BOLI55,071 — 55,071 
Other Assets74,232 2,561 76,793 
Total Assets$2,729,209 $600 $2,729,809 
Liabilities:
Deposits$2,119,341 $— $2,119,341 
Subordinated debt21,141 — 21,141 
Other Liabilities167,680 600 168,280 
Total Liabilities$2,308,162 $600 $2,308,762 
Schedule of Fair Value of Assets Acquired and Liabilities Assumed
The table below presents the allocation of the purchase consideration.
(In thousands)October 1, 2025
Assets:
Cash and cash equivalents$166,758 
Investment securities2,540,434 
Loans1,202,389 
Bank premises and equipment45,942 
CDI110,548 
Goodwill280,087 
Other Assets99,776 
Total Assets$4,445,934 
Liabilities:
Deposits$3,450,869 
Securities sold under agreements to repurchase105,064 
Other Liabilities60,856 
Total Liabilities$3,616,789 
The table below presents the allocation of the purchase consideration.

(In thousands)July 11, 2025
Assets:
Cash and cash equivalents$242,672 
Investment securities357,905 
Loans153,294 
Bank premises and equipment7,926 
CDI20,922 
Goodwill22,228 
Other Assets18,590 
Total Assets$823,537 
Liabilities:
Deposits$705,195 
Other Liabilities7,118 
Total Liabilities$712,313 
Schedule of Fair Value of Acquired Loans and Unpaid Principal Balance
The table below presents information with respect to the fair value and unpaid principal balance of acquired loans at the acquisition date.
October 1, 2025
(In thousands)Book BalanceFair Value
Loans:
Construction and land development
$102,067 $98,849 
CRE - owner occupied
93,284 90,147 
CRE - non-owner occupied
361,699 335,761 
Residential real estate365,935 349,786 
Commercial and financial335,831 322,627 
Consumer5,332 5,219 
Total acquired loans$1,264,148 $1,202,389 
The table below presents information with respect to the fair value and unpaid principal balance of acquired loans at the acquisition date.
July 11, 2025
(In thousands)Book BalanceFair Value
Loans:
Construction and land development
$7,575 $7,496 
CRE - owner occupied
31,504 30,790 
CRE - non-owner occupied
40,239 38,992 
Residential real estate52,960 51,434 
Commercial and financial21,104 21,029 
Consumer3,614 3,553 
Total acquired loans$156,996 $153,294 
The table below presents information with respect to the fair value and unpaid principal balance of acquired loans at the acquisition date.
January 31, 2023
(In thousands)Book BalanceFair Value
Loans:
Construction and land development$156,048 $151,012 
CRE - owner occupied293,473 274,068 
CRE - non-owner occupied752,393 692,746 
Residential real estate509,305 483,611 
Commercial and financial392,396 350,628 
Consumer33,656 32,153 
PPP Loans1,951 1,951 
Total acquired loans$2,139,222 $1,986,169 
Financing Receivable, Purchased With Credit Deterioration
The table below presents the carrying amount of loans for which, at the date of acquisition, there was evidence of more than insignificant deterioration of credit quality since origination:
(In thousands)October 1, 2025
Book balance of loans at acquisition$148,575 
ACL at acquisition(3,026)
Non-credit related discount(19,198)
Total PCD loans acquired$126,351 
The table below presents the carrying amount of loans for which, at the date of acquisition, there was evidence of more than insignificant deterioration of credit quality since origination:
(In thousands)January 31, 2023
Book balance of loans at acquisition$155,031 
ACL at acquisition(18,879)
Non-credit related discount(12,361)
Total PCD loans acquired$123,791 
Schedule of Business Combination, Pro Forma Information
For the Year Ended December 31,
(Dollars in thousands, except per share data)20252024
Net interest income$645,582 $539,975 
Net income available to common shareholders188,701 126,322 
EPS - diluted1.82 1.26 
EPS - basic$1.84 $1.27