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Peer Analysis

Performance Ratios (%) SBCF Peer Median Peer Average
ROAA 1.30 1.33 1.31
ROAE 9.82 10.86 11.17
Net Interest Margin 3.96 3.72 3.65
Efficiency Ratio 52.72 53.49 55.08
Loans / Deposits 87.89 95.03 95.45
Asset Quality Ratios (%)
NPAs / Assets 0.76 0.43 0.49
NCOs / Avg Loans 0.18 0.10 0.11
Reserves / Loans 0.67 0.75 0.73
Reserves / NPAs 64.59 116.88 193.82
Capital Ratios (%)
Tier 1 Capital 14.92 12.21 12.23
Tangible Equity / Tangible Assets 11.05 9.51 9.64
Total Equity / Total Assets 13.97 12.11 12.13
Market Ratios
Price / Earnings (x) 17.67 13.05 13.45
Price / Book (%) 159.74 135.53 146.79
Dividend Yield (%) 0.00 2.56 2.42
Data for trailing four quarters

Seacoast Banking Corporation of Florida's peer group consists of the following: Ameris Bancorp (ABCB), BNC Bancorp (BNCN), Cardinal Financial Corporation (CFNL), City Holding Company (CHCO), Eagle Bancorp, Inc. (EGBN), Enterprise Financial Services Corp (EFSC), Fidelity Southern Corporation (LION), First Midwest Bancorp, Inc. (FMBI), First of Long Island Corporation (FLIC), Flagstar Bancorp, Inc. (FBC), German American Bancorp, Inc. (GABC), Great Southern Bancorp, Inc. (GSBC), Horizon Bancorp, Inc. (HBNC), Lakeland Financial Corporation (LKFN), MainSource Financial Group, Inc. (MSFG), Northwest Bancshares, Inc. (NWBI), Pacific Premier Bancorp, Inc. (PPBI), Renasant Corporation (RNST), S&T Bancorp, Inc. (STBA), Sterling Bancorp (STL), Stock Yards Bancorp, Inc. (SYBT), Tompkins Financial Corporation (TMP), Trustmark Corporation (TRMK), Washington Trust Bancorp, Inc. (WASH)

Seacoast Banking Corporation of Florida's financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

MainSource Financial Group, Inc.'s financial data is as of 3/31/2018.
Fidelity Southern Corporation's financial data is as of 3/31/2019.
Cardinal Financial Corporation's financial data is as of 3/31/2017.
BNC Bancorp's financial data is as of 3/31/2017.