Seacoast Banking Corp of Florida 2024年度报告

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM10-K ☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year endedDecember31, 2024 ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from _______ to _________Commission File No.0-13660 Seacoast Banking Corporation of Florida (Exact Name of Registrant as Specified in its Charter) Florida59-2260678(State or Other Jurisdiction ofIncorporation or Organization)(I.R.S. EmployerIdentification No.) 815 Colorado Avenue,StuartFL34994(Address of Principal Executive Offices)(Zip Code) (772)287-4000(Registrant’s Telephone Number, Including Area Code) Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registeredCommon StockSBCFNASDAQ Global Select Market Securities registered pursuant to Section 12(g) of the Act: None. Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. ☒Yes☐No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. ☐Yes☒No Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and(2) has been subject to such filing requirements for the past 90 days. ☒Yes☐No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant toRule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant wasrequired to submit such files). ☒Yes☐No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reportingcompany,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. Large accelerated filer☒Accelerated filer☐Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness ofinternal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered publicaccounting firm that prepared or issued its audit report. ☒Yes☐No If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrantincluded in the filing reflect the correction of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysisof incentive-basedcompensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined by Rule 12b-2 of the Exchange Act).☐Yes☒No The aggregate market value of Seacoast Banking Corporation of Florida common stock, par value $0.10 per share, held by non-affiliates,computed by reference to the price at which the stock was last sold on June 30, 2024, as reported on the NASDAQ Global Select Market,was approximately $2.0billion. The number of shares of Seacoast Banking Corporation of Florida common stock, par value $0.10 pershare, outstanding as of January31, 2025, was85,612,136. DOCUMENTS INCORPORATED BY REFERENCE Certain portions of the registrant’s Proxy Statement for the 2025 Annual Meeting of Shareholders (the “2025 Proxy Statement”) areincorporated by reference into Part III, Items 10 through 14 of this report. Other than those portions of the 2025 Proxy Statementspecifically incorporated by reference herein pursuant to Items 10 through 14, no other portions of the 2025 Proxy Statement shall bedeemed so incorporated. Part IGlossary of Defined Terms2Forward-Looking Statements4Item 1.Business6Item 1A.Risk Factors15Item 1B.Unresolved Staff Comments27Item 1C.Cybersecurity27Item 2.Properties29Item 3.Legal Proceedings29Item 4.Mine Safety Disclosures29Part IIItem 5.Market For Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of EquitySecurities30Item 6.[Reserved]30Item 7.Management’s Discussion and Analysis of Financial Condition and Results of Operations31Item 7A.Quantitative and Qua