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815 Colorado Avenue
Stuart, FL 34994

Seacoast National Bank is headquartered in Stuart and is the 14st largest bank in the state of Florida. It is also the 322nd largest bank in the nation. It was established in 1933 and as of June of 2014, it had grown to 490 employees at 36 locations. Seacoast National Bank has a A health rating.

Reviews (2)

Charged 5 Dollars A Day Because Account Was Dormant And They Were Arrogant

I had to pay to close my account. There were never any customers in this bank. I had little confidence in this bank. I had planned on depositing again with them until they informed me that they had been charging me 5 dollars a day. I had money in the account but had to pay it to them and pay more to close the account. They were arrogant. Dont use this bank.

I Can Not Recommend Seacoast National Bank For Loans!!!

At first everything was yes, yes, yes, then once they got me in, and the loan process started the contacts over there have since become hard to get a hold of and started taking forever to return phone calls or return emails. I have on separate occasions emailed asking specific questions and were replied with generic information and not answering the questions I needed answered. At times they have taken days to get back to me with time sensitive information. I'm in the last stages of the loan process and they decided to back to me after 5:00 on a Friday on a holiday weekend, and that is why I would not recommend them for a loan. I wish I could have a better report.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Seacoast National Bank had $27.94 million in non-current loans and owned real-estate with $278.42 million in equity and loan loss allowances on hand to cover it. This gives Seacoast National Bank a Texas Ratio of 10.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Seacoast National Bank decreased dramatically from 18.98% as of June 30, 2013 to 10.04% as of June 30, 2014, resulting in a positive change of 47.13%.This indicates that the balance sheet and financial strength for Seacoast National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Seacoast National Bank has increased its total deposits by $65.78 million, resulting in 3.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Seacoast National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Seacoast National Bank has $2.29 billion in assets with $278.42 million in equity, resulting in a capitalization level of 12.15%, which is excellent.

Institution Statistics

FDIC Certificate #131
Year Established1933
Primary RegulatorOCC
Assets and Liabilities
Assets$2.29 billion
Loans$1.34 billion
Deposits$1.81 billion
Equity Capital$260.28 million
Loan Loss Allowance$18.14 million
Unbacked Noncurrent Loans$21.75 million
Real Estate Owned$6.20 million
Historic Data - June 2013
Assets$2.18 billion
Equity Capital$208.17 million
Loan Loss Allowance$20.08 million
Unbacked Noncurrent Loans$21.75 million
Real Estate Owned$10.06 million
Profit Margin - Quarterly
Return on Assets0.43%
Return on Equity3.85%
Interest Income$35.50 million

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Seacoast National Bank has 35 locations. Click to view all Seacoast National Bank locations.