🏦Bank Scorer

SEACOAST NATIONAL BANK

STUART, FL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1933FDIC #131
Outstanding Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.62%

Institution Profile

FDIC BankFind

Address

815 S Colorado Ave, STUART, FL

County

Martin County

Established

January 1, 1933

Total Assets

$21.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 5, 2025

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$21.1B

Total Deposits

$16.6B

Net Loans

$12.5B

Net Income

$32M

ROA

0.62%

ROE

4.25%

Risk-Based Capital

15.12%

Regulatory minimum: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Mortgage Denial Rate35.86%Peer avg: 26.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

79

Branch Deposits

$12.5B

1-Year Change

+2

5-year net change: +28 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,86452.79%35.86%
20233,51752.63%36.91%
20225,65256.35%34.31%
20215,64759.52%27.71%
20206,03860.37%24.06%
20194,37662.48%24.15%
20184,71064.1%24.16%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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