Seacoast Banking Corporation of Florida reported fourth-quarter 2025 earnings of $0.44 per share, falling short of the Zacks Consensus Estimate of $0.51 and down from $0.48 in the same quarter a year earlier. The miss primarily reflected continued margin compression as funding costs rose across the industry, as well as elevated provisioning for loan reserves. Total loan balances grew 6.2% year-over-year, driven by commercial real estate and middle-market lending, while total deposits increased 4.8% despite heightened competition for consumer deposits. Nonperforming assets remained low at 0.28% of total assets, underscoring stable credit quality. In discussing guidance for full-year 2026, CEO Chuck Shaffer emphasized a focus on improving net interest margin through targeted pricing adjustments and selective balance-sheet growth, with the bank maintaining a disciplined approach to capital management and returning excess cash to shareholders.