Seacoast Banking Corp of Florida 2025年度报告

SECURITIESANDEXCHANGECOMMISSION WASHINGTON,DC20549 FORM 10-K 1934 SeacoastBankingCorporationofFlorida (ExactNameofRegistrantasSpecifiedinitsCharter) Florida59-2260678 (State or Other Jurisdiction of(I.R.S. EmployerIncorporationorOrganization)IdentificationNo.) 815ColoradoAvenueStuartFL34994 (772)287-4000 (Registrant's Telephone Number, Including Area Code) Securities registered pursuant to Section 12(b) of the Act: 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. βYesNo Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. YesβNo Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required tofile such reports), and (2) has been subject to suchfiling requirements for the past 90 days. βYesNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (s 232.405 of this chapter) during the preceding 12 months (or for such shorter periodthat the registrant was required to submit such files). YesNo Indicatebycheckmarkwhethertheregistrant is alargeacceleratedfiler,an acceleratedfiler,a non-acceleratedfiler,a smaller“"accelerated filer,”*"smaller reporting company,"and“emerging growth company" in Rule 12b-2 of the Exchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition periodfor complying 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 theeffectiveness of internal control overfinancial reportingunder Section 404(b)of the Sarbanes-OxleyAct (15U.S.C.7262(b)) βYes□ No IfsecuritiesareregisteredpursuanttoSection12(b)oftheAct,indicatebycheckmarkwhetherthefinancialstatementsoftheregistrant included 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 analysis of incentive-based compensation 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 definedby Rule12b-2 of theExchange Act).Yes No The aggregatemarket valueof Seacoast Banking Corporation ofFlorida common stock,par valueso.10 per share,heldby nonaffiliates,computedby referenceto theprice at whichthe stockwas last soldonJune30,2025,as reportedon theNASDAQGlobal Select Market, was approximately S2.4 billion.The number of shares of Seacoast Banking Corporation of Floridacommon stock,par value $0.10 per share,outstanding as ofJanuary31,2026,was 97,958,734 DOCUMENTSINCORPORATEDBYREFERENCE Certain portions of the registrant's Proxy Statementfor the 2026Annual Meeting of Shareholders (the“2026 Proxy Statement")are incorporated by reference into Part Il, Items 10 through 14 of this report. Other than those portions of the 2026 ProxyStatement specifically incorporated by reference herein pursuant to Items 10 through 14,no other portions of the2026ProxyStatement shall bedeemed so incorporated. TABLE OFCONTENTS SPECIALCAUTIONARYNOTICE REGARDINGFORWARD-LOOKINGSTATEMENTS Certain statements made or incorporated by reference herein which are not statements of historical fact, including those under"Management's Discussion and Analysis of Financial Condition and Results of Operations"and elsewhere herein, are*"forward-looking statements"within the meaning, and protections, of Section 27A of the Securities Act of 1933, as amended,and Section 21E of the Securities Exchange Act of 1934,as amended (the“"Exchange Act").Forward-looking statementsincludestatementswithrespecttotheCompany'sbeliefs,plans,objectives,goals,expectations,anticipations,assumptions,estimates,and intentions about future performance,and involve known and unknown risks,uncertainties and other factors,which maybe beyond the Company's control, and whichmay cause the actual results,performanceor achievements of SeacoastBanking Corporation of Florida ("Seacoast"or the“Company")or its wholly-owned banking subsidiary,Seacoast NationalBank ("Seacoast Bank'),tobematerially differentfrom those set forth in theforward-looking statements. All statements other than statements of historical fact could be forward-looking statements.You can identify these forward-“target"or other similar words and expressions of the future.These forward-looking statements may not berealized due to avarietyoffactors,including,without limitation: The impact of current and future economic and market conditions generally (